vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: Rhode Island Housing and Mortgage Finance Corporation
State: RI

Complaint narrative:
I was granted a loan modification previously in XX/XX/XXXX. I have been making payments consistently until XX/XX/XXXX at which time I had lost my job. I then received a letter from an attorney on XXXX representing my mortgage lender stating payments were due starting from XXXX through XXXX. I have record of my payments as I paid them via my personal checking account. I had received a notice previously in XX/XX/XXXX regarding issues with my loan modification. I then spoke with the loan mitigation specialist/supervisor and we reviewed the issue. I also spoke with the manager of the mortgage company and he stated everything would be corrected. I never received the corrected loan mitigation information and I had made multiple calls and sent multiple emails at which time I never received a return response. On XX/XX/XXXX I received XXXX email regarding this issue and the email stated the following : " I just left you a message. I apologize for the delay in getting back to you. I have been and am currently working with XXXX on completing the loan modification process. They have provided the Loan Modification agreement to me to be used. I have sent the document to our legal department as it needs to be reviewed before we can send it out. I am hoping to have it reviewed and approved soon. 
As far as the letter you received, I have taken care of this and advised our department to notify the attorney to close this file. 
I am in the office today until XXXX and then I am out all next week. Please call me if you have any questions. '' After a few months, I had not received the revised documents and I began emailing and calling again with no response. I am attaching all of my emails to this document. 

Recently, on XXXX, I received an attorneys notice of default & mortgagee 's right to foreclose. I immediately called the attorney and was advised to speak with my lender as she is representing the debt collection. Once again, I made multiple calls and left many messages without a return response. Finally, on XXXX XXXX I spoke briefly with the loan mitigation specialist and was informed they were " working with XXXX XXXX  '' & then on XXXX I received another legal package with a sale of foreclosure date for XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: PRIMERA FINANCIAL CORP.
State: CA

Complaint narrative:
I purchased a car from XXXXXXXX XXXX XXXX XXXX, which was financed by Primera Financial CorpXXXX On XX/XX/year>, I questioned some disclosures and details of the installment contract. After I questioned the contract, XXXX XXXX XXXX XXXX never replied to my affidavit and certified mail number communications. I set them a default notice as well with a certified mail number, and never heard back. On XX/XX/year>, XXXXXXXX XXXX XXXXXXXX XXXX sent me a Contract cancellation notice, which was out of the TILA timeline, making it illegal to send that to me, especially for a company that's been in the business since the 70 's. 

I sent them a conditional acceptance to there notice and advised them I would address the issue once my notice to them was properly answered, which till this day never happened. 

On XX/XX/year> while DEBT was in dispute, XXXX XXXX repossessed my property, which I have a lien on. XXXX 's XXXX XXXX XXXX XXXX, and Primera Financial Corp. committed crimes based on Fraud and misrepresentation. 

The XXXX companies involved is bases for R.I.C.O act and charges which was made while benefiting their business/gang. Today I will be reporting it to the attorney general aswelll as the I.R.S. 

I wasn't given due process, so I contacted the XXXX, and they are also investigating these businesses currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: CT

Complaint narrative:
I submitted disputes to Equifax, Experian, and TransUnion regarding inaccurate or outdated information on my credit report. After the investigation, certain negative items were successfully removed. However, despite these corrections, my credit score did not improve or reflect the changes appropriately.

The investigation process exceeded the 30-day timeframe required under the Fair Credit Reporting Act ( FCRA ), and I was not notified of the status or results in a timely or adequate manner.

Additionally, I contacted the original creditors or debt collectors listed and requested debt validation. I did not receive verification of the debts within the legally required timeframe, yet the accounts remained on my credit reports during or after the dispute. 

There are still items on my reports that I do not recognize/ recognize and believe are not mine/ know are not mine. Despite providing documentation and following proper dispute procedures, these issues have not been fully addressed. 

There are still accounts listed that do not belong to me, and the continued presence of these unverified accounts is impacting my creditworthiness. As a direct result of the inaccurate credit reporting and score issues, I have been denied personal loans and was forced to accept less favorable terms on a vehicle lease. 

I am requesting that this matter be escalated, that all remaining unverified or incorrect items be removed, and that my credit score be properly updated to reflect these corrections. I also request a full explanation of why the score was not updated after inaccurate information was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing inaccurate address information on my TransUnion credit report. My current and correct address is XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, but the report shows an inaccurate or misleading address instead of my actual current residence. I request that my current address be updated accordingly. Additionally, the report lists outdated addresses that must be removed : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX ; and XXXX XXXX XXXX XXXX, XXXX, FL XXXX. These inaccuracies violate XXXX U.S.C. XXXXe ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. Failure to correct these errors is a violation of the Fair Credit Reporting Act. Willful non-compliance may result in statutory damages of {$1000.00} per violation. I request immediate correction and removal of these inaccurate addresses to prevent further harm.

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 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Management XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX Request for Debt Validation, Dear Midland Credit Management, I received your notice regarding an alleged debt. I'm requesting validation of this debt, including : The amount of the debt The name of the original creditor Detailed statemenrs or records supporting the debt amount Proof that your agency is authorized to collect this debt. 
Also, Kindly show me and explain in details how you calculated what you said I owe. 
I will also want to know what the money you said I owe was used for. 
Prove that the status of limitation has not expired on this account. 
Please provide me with your license number and Registered Agent and also prove to me that you are licensed to collect in my state. 

Until you provide the requested validation, please cease all collection activities. I expect your response within 30 days of receiving this letter. 
If your office is able to provide all requested information above, I will need at least 30 days to investigate all Documents, and during such time, all collection activities must cease and desist. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HOVG, LLC
State: GA

Complaint narrative:
I was in a XXXX XXXX XXXX that is still an open case. I was transported by ambulance to XXXX XXXX XXXX. And the ambulance company sold my account to a third-party company. This is still an open case my account should not have been sold. I contacted the ambulance company and my attorney contacted the ambulance company to let them know that they would be paid once the case was closed instead they sold it to a third-party company and its affecting my credit and my job. Because I cant have any collections or charges on my credit.

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 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Here is a formal dispute letter based on XXXX U.S.C. XXXXg of the Fair Debt Collection Practices Act ( FDCPA ), which allows you to request validation of a debt and dispute its reporting on your XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MCM RE : Formal Dispute and Request for Validation of Debt under XXXX U.S.C. XXXX To Whom It May Concern, I am writing in response to a collection account that appears on my credit report, which I do not recognize and do not believe I owe. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C. XXXXg, I am formally requesting validation of the alleged debt. 

Under federal law, you are required to provide the following information : The amount of the alleged debt ; The name of the original creditor ; A copy of the original signed contract or agreement ( if applicable ) ; A complete accounting of how the alleged amount was calculated ; Verification that you are authorized to collect this debt in my state ; Copies of any judgment ( if applicable ) ; Proof that you have reported this debt as disputed to all relevant credit reporting agencies. 

Until you provide this information, you must cease all collection activities, including reporting this item to credit reporting agencies. If the debt is currently on my credit report, it must be marked as disputed and must not be verified until validation is provided. 

If you can not provide the requested validation, you must : Immediately remove the account from my credit report, and Cease all attempts to collect this alleged debt. 

This letter serves as notice that I am exercising my rights under the FDCPA. Be advised that any failure to comply with the requirements of XXXX U.S.C. XXXXg may constitute a violation of federal law and subject your organization to legal action. 

I request that you respond to this request in writing within 30 days. All future communication regarding this matter should be made in writing only. 

Sincerely, ] XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am writing to file a formal complaint and request a resolution regarding the recent closure of my Chase account. 

My account was unexpectedly closed after I submitted multiple claims for items I had purchased but never received. Each of these claims was made in good faith, in accordance with Chases policy for disputing unauthorized or undelivered charges. I provided all relevant information and documentation at the time of each dispute and only filed claims when I believed I was rightfully owed a refund due to non-receipt of goods. 

Unfortunately, rather than addressing the issue with further communication or offering me the opportunity to clarify the situation, Chase closed my account entirely. I was not given a warning or a chance to respond before the decision was made. This has caused me considerable distress and inconvenience, especially since I have relied on my Chase account for everyday financial transactions and banking needs. 

I understand that a financial institution has the right to protect itself from potential abuse of the claims process. However, I respectfully maintain that I have acted as a responsible customer and only sought to dispute charges when it was justified. I never intended to misuse the system, and I feel this decision to close my account was made without giving me a fair opportunity to explain my side.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under XXXX USC XXXX. FCRA XXXXB ( XXXX U.S.C. XXXXc-2 ) FCRA XXXX ( b ) Block - XXXX USC XXXXi ( 5 ) - XXXX USC XXXXi ( a ) 1 - XXXX USC XXXXi ( a ) 6 ( B ) 3 - XXXX USC XXXXi ( a ) ( 5 ) B XXXX USC XXXXA XXXX XXXX USC XXXX XXXX XXXX USC XXXX THESE ACCOUNTS ARE NOT MINES AND I NEVER HAD ANY CONTRACT WITH THESE DEBT COLLECTORS. 
THESE ACCOUNTS ARE ILLEGALLY ADDED DEBT COLLECTION COMPANIES. 
I REPORTED THEM TO THE ( FTC ) ALL READY. PLEASE REMOVE THESE ACCOUNTS.. 

XXXX XXXX XXXX : Original creditor : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX : Original creditor : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX : Original creditor : XXXX XXXX  Account number : XXXX XXXX XXXX XXXX : Original creditor : XXXX XXXX  Account number : XXXX XXXX XXXX : XXXX XXXX Account number : XXXX - {$720.00}

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-29 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: NY

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX ( XXXX ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian continues repeatedly to take {$24.00} out of my bank account for a credit monitoring service I never signed up for. Also it is impossible to get a live person on the line concerning this topic as they only give you certain options that reroute you to automated recordings. When they say cancel the subscription once you login, well you cant until you update payment. Considering this is a company that is supposed to protect us from predatory companies, its really surprising that they allow this lack of service options from their own product. After further research this has been an ongoing problem for too many people. Very disappointing.

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 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MI

Complaint narrative:
Discover admits debt over {$10000.00} after filing chargeback claim ( XXXX ) -Resolution of Satisfaction of Settlement not received

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXXe ( b ) and XXXX USC XXXXi, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-29 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: Global Processing Services, LLC
State: TX

Complaint narrative:
XX/XX/scrub>XX/XX/XXXXI have received numerous calls and text messages from Global Processing Services , LLC with a XXXX XXXX XXXX, claiming that I have an unresolved payday loan debt from over XXXX XXXX XXXX 
However, whenever I ask for details so I can verify the legitimacy, the representatives are always combative, rude, and threatening, often stating we are not obligated to provide proof of the debt, but they are insistent that I set up a payment plan. The last time I received a call from this company, the representative stated that they are working on behalf of XXXX XXXX. They are unable to provide the loan account number, where the account was opened, or the date on which the account was allegedly opened. Either provide the necessary information needed, or stop contacting me!!!

Company response to consumer: Closed with explanation