vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IA

Complaint narrative:
Three things : Mohela Loan : 1 ) My teacher forgiveness application was denied for unknown reasons. I qualify to receive {$5000.00} in forgiveness and can not get information on why it was denied.

2 ) I am no longer able to access my account. When I try to log in, my old user name and password don't work. When I attempt to retrieve the information, the error message says that my social security number and birthday do not exist in their system. 

3 ) It seems as though XXXX XXXX and his unelected, unvetted employees have accessed my information without my permission, violating the right and terms I have agreed to as a borrower.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX 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 2025-03-13 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX 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 2025-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Prince Parker & Associates
State: IL

Complaint narrative:
I am submitting this complaint regarding the unlawful and fraudulent reporting of a collection account by Prince Parker & Associates on my credit report. The details of the disputed account are as follows : Collection Agency : Prince Parker & Associates Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$740.00} Date Opened : XX/XX/year> I, XXXX XXXX, am the victim of identity theft, and this fraudulent collection account is a direct result of that crime. I have no knowledge of this debt and have never entered into any contractual agreement with eitheXXXX XXXX XXXX XXXX XXXX XXXX XXXX or Prince Parker & Associates regarding this account. 

Upon discovering this fraudulent account, I took immediate action by submitting a formal Identity Theft Affidavit and an FTC Identity Theft Report to Prince Parker & Associates, requesting the immediate removal of this account from my credit reports. Despite providing sufficient documentation, the company has refused to honor my claim, failed to conduct a proper investigation, and continues to report this fraudulent debt to the major credit bureaus.

This failure to investigate and correct the reporting of a fraudulent debt is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I have verified with the Illinois Department of Financial and Professional Regulation ( IDFPR ) that Prince Parker & Associates does NOT hold a valid debt collection license in the State of Illinois, making their collection activities unlawful within my state of residence.

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 2025-03-13 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-13 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: FL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: NY

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. 
Accounts below 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
Consumer complaint received 2025-03-13 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/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: FL

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 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 2025-03-13 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:
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 2025-03-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
On Wednesday XX/XX/XXXX I was XXXX XXXX  twice by XXXX XXXX XXXX. I had a plan for XXXX  that night, but sought medical attention instead. While I was in the hospital, I discovered my insurance premium had been unpaid for 2 months ( even though I set up AutoPay in XX/XX/XXXX ). When I reviewed my bank activity further, I realized he had drained all 5 of our joint bank accounts while I was hospitalized, as well as additional instances I discovered dated for XX/XX/XXXX - so he's done this to me twice across multiple account. XXXX refuses to comply, USAA refused to acknowledge this as fraud, and wont return my emails, so I've decided to report both XXXX and USAA to the FTC and CFPB. I am a victim of not only fraud, but financial abuse - both during and well after our relationship coming to a violent end and USAA doesn't care that we shared those funds. Since reporting to USAA via phone and email I have been blocked from their fraud email XXXX, and I only ever receive and " out of office '' message even though this is the fraud contact email listed on their website at XXXX : XXXX. USAA refuses to open new accounts funded with the recovered funds. I am out of options at this point.

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 2025-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Charged me overdraft fees when I had {$66.00} on my account.

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 2025-03-13 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: IN

Complaint narrative:
The hard inquiry XXXX XXXX XXXX XXXX XXXX XXXX needs to be removed from my credit report immediately because it's fraudulent and inaccurate information I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to 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 2025-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I called Newrez to ask why they haven't paid my XXXX XXXX company, when they are collecting money in the escrow for paying my house Insurance, please see the attachment, I called the customer service but they were going on with the jargon- we are debt collecing company, and then later " California consumers have certain rights, and these are pretty long sentences, asking all of my info, and then later asking me to pay three months of payments, they did not entertain my question on the payment of house insurance. 

This company is like a leech, who just wants to XXXX as much money as possible from the customers, their long sentences jargon is used with the customers so that customers get irritated and fedup and hangup the phone, This is ridiculous, who has so much time to listen to a two 10 minutes jargon, and when I am already making payments on time, what three months of payment they come up with everytime? 

I am going through XXXX right now, and Newrez has no sense how to handle customers.

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 2025-03-13 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: Servicer under contract with Federal Student Aid
State: MI

Complaint narrative:
My financial information was accessed by individuals working for DOGE without my knowledge or consent. This breach occurred when DOGE unlawfully gained access to the Department of Education 's information and records. This is a breach of my privacy as well as putting my financial security at risk. My banking information is tied to those loans as well as my credit score and my borrowing power. Furthermore, the individuals that accessed that information have not been verified that they meet the proper security credentials and may have distributed my information elsewhere without my knowledge. The Department of Education and DOGE were not willing to communicate what information was accessed, what was done with said information, and what the purpose was for them to access my information without my knowledge or consent.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-13 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 explanation
Consumer complaint received 2025-03-13 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: MD

Complaint narrative:
I am writing to express my concern regarding the bankruptcy information that is currently being reported on my credit file. After reviewing my credit reports, I contacted the three major credit bureausExperian, TransUnion, and Equifaxrequesting the removal of the bankruptcy information, as I believe it was inaccurately reported.

Despite my request, the credit bureaus refused to remove the bankruptcy entry from my report. In light of this, I took the matter into my own hands and reached out directly to the bankruptcy court. I requested confirmation from them that they did not provide my bankruptcy information to the credit bureaus. The bankruptcy court confirmed that they did not report any such information to Experian, TransUnion, or Equifax.

Given this confirmation from the bankruptcy court, I am seeking your immediate attention to the incorrect information currently on my credit file. The credit bureaus are obligated to ensure that the data they report is accurate, and since the bankruptcy court did not furnish this information to you, I believe it should be removed from my report. 

Please investigate this matter promptly and correct my credit report as necessary. I would appreciate confirmation of the actions taken. 

Thank you for your time and cooperation in resolving this issue.

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST PORTFOLIO SERVICING INC
State: MD

Complaint narrative:
I am writing to formally dispute the reporting of late payments on my credit file associated with my account with Total Visa, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). I request that these inaccurate records be corrected or deleted from my report. 
Under Section 1681i of the FCRA, consumers have the right to dispute information they believe to be inaccurate or incomplete. Additionally, credit bureaus and furnishers are obligated to conduct a reasonable investigation into disputed items. I am asserting that the reported late payments are either inaccurately reflected or unverifiable under FCRA standards, thereby warranting immediate removal.

I question the accuracy and integrity of these entries based on the 1. Failure to Provide Proof of Reporting Compliance : The FCRA mandates that furnishers of information ensure maximum possible accuracy. In this case, the
evidence supporting these late payments has not been furnished, and 1 question whether the creditor has documentation to support these allegations. Please provide certified documentation validating the late payment entries as originally reported. Absent such documentation, these entries should be removed.

2.Potential Violation of Reasonable Investigation : The FCRA requires credit bureaus to perform a reasonable investigation when a consumer disputes an item. In the absence of verifiable proof from the creditor, any failure to conduct a thorough investigation into the accuracy of this information is a direct violation of my consumer rights.

3. Obligation to Ensure Maximum Possible Accuracy ( 15 US.C.

1681e ( b ) ) : This statute requires that credit reporting agencies follow procedures to ensure accuracy in reporting the reported late payments are damaging and do not reflect a verified record. Accordingly, I am requesting an immediate removal to prevent further harm to my creditworthiness.

Given the circumstances outlined, please initiate a prompt investigation, provide me with the results, and send documentation supporting the validity of the disputed entries. If the information can not be verified or substantiated in compliance with FCRA guidelines, I expect all disputed late payments to be promptly removed from my credit file. 
I look forward to your written confirmation of the results of your investigation within the legally allotted timeframe. Failure to adequately address this matter may compel me to explore legal remedies to protect my rights under the FCRA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation