vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX Name : ( XXXX XXXX ) Address : ( XXXX XXXX XXXX XXXX XXXX Collection Agency Name : COMENITYCAPXXXX Address : XXXX XXXX XXXX XXXX, OH XXXX XXXX : Account Number XXXX I am sending this letter in response to a letter you sent me on ( XX/XX/year> ). I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ).

I am NOT requesting a verification, but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you.

Please provide me with the following information : 1.

State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired 6. A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must ha delated and removed immediately from my credit t Repost to followers ire attempts to collect this debt must stop.

United States sincerelv. 
( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: DE

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 XXXXB 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 explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: OH

Complaint narrative:
I am writing to formally demand that you cease and desist from reporting any inaccurate, misleading, or unauthorized derogatory marks and collections on my credit report. Upon reviewing my credit file, I discovered that your company has reported negative information that I believe to be inaccurate, unverifiable, or improperly placed in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXXb.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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 am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC XXXXb regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: GA

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 XXXXB 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 explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are multiple inaccuracies on my credit report that must be removed without delay. Some contain incorrect details that do not match my records, others are entirely unfamiliar, and several have been reported without proper verification. These discrepancies violate the FCRA, which requires all information to be 100 % accurate and backed by legitimate documentation. 

To resolve this matter fairly, I demand that all inaccurate items be permanently removed from my credit report. If the reporting entities can not provide legitimate proof confirming their accuracy, they have no legal right to remain on my file. I expect immediate corrective action to restore the integrity of my credit profile.

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 2025-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX as a fake professor at XXXX University contacted me via XXXX for a bookkeeping training for his fake students. And then he had paid me {$7500.00} in advance via XXXX. But suddenly he canceled the contract a few days before the XXXX session of the training and asked me to refund 80 % of the funds via wire transfer and then I wire transfered {$6000.00} to XXXX XXXX via Chase on XX/XX/year> And then he canceled all the funds/payments via XXXX today, XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: MA

Complaint narrative:
On XX/XX/XXXX, I received a text from XXXX XXXX, my credit monitoring service, informing me that my FICO credit score had dropped by XXXX points. Upon investigating the situation, I discovered that my Discover account had not been closed as I had requested when I contacted them in XX/XX/XXXX to pay a bill for XXXX and to close the account. 

I was frustrated that they failed to close my account, which resulted in charges for interest and late fees that subsequently affected my credit report with late payments. When I asked them to refer to the recording of our conversation, they informed me that it was no longer available. 

I paid a bill of {$170.00}, which included a {$140.00} subscription, {$3.00} in interest, and a {$30.00} late fee, to prevent any further damage to my credit. I have not used the card at all this year, and it seems unfair that my credit is being impacted due to their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX TRANSUNION CONSUMER SOLUTIONS XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX Subject : Request for Investigation and Compliance with FCRA Sections 15 U.S.C. XXXXi ( a ) ( XXXX ) and 15 U.S.C. XXXX ( b ) To Whom It May Concern, I am writing to formally request an investigation into inaccurate and incomplete information on my credit report pursuant to the Fair Credit Reporting Act ( FCRA ). Specifically, I am invoking my rights under XXXX15 U.S.C. XXXXXXXX  ( a ) ( XXXX ) ** and XXXX15 U.S.CXXXX XXXX ( b ) XXXX to ensure the accuracy and fairness of my credit report. 

XXXX XXXX XXXX  15 U.S.CXXXX XXXXi ( a ) ( XXXX ) Disclosure of Reinvestigation Process I request a clear and detailed explanation of your reinvestigation process, as required by XXXX15 U.S.C. XXXXi ( a ) ( XXXX ) **. Please provide me with the methods used, sources consulted, and all supporting documentation obtained during your verification of the disputed information. 

XXXX XXXX XXXX 15 U.S.C. XXXXe ( b ) Duty to Ensure Maximum Possible Accuracy Under XXXX15 U.S.C. XXXXe ( b ) **, credit reporting agencies must ensure that the information contained in a consumers credit report is accurate and up to date. I believe that certain accounts or records on my report have not been adequately verified and may be incorrect. I request that you immediately review and correct any inaccuracies or provide documented proof of their validity. 

I have attached copies of my identification and supporting documents regarding the disputed information. Please conduct a thorough investigation and update my file accordingly. If you find that the information can not be verified, I request its immediate removal from my credit report. 

Please provide a written response within the legally required timeframe, confirming the results of your investigation and any corrective actions taken. Failure to comply with my request may result in further legal action. 

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

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX GA 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 2025-03-24 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: DE

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 XXXXB of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
Theres incorrectly information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: Shellpoint Partners, LLC
State: OH

Complaint narrative:
After my loan modification, I was unable to log into the portal for two years. I contacted the company multiple times to get this issue resolved, but I wasnt receiving paper copies during that time either. Each time I called, they told me I wasnt on the loan and couldnt discuss my account with me.

Last summer, after suffering significant hail damage to my home, I realized just how serious the situation was. My insurance company covered all the repairs, and the check was sent to the mortgage company for endorsement. However, not only has the mortgage company failed to pay the contractors, but I also discovered they still dont have my correct information on file as the owner.

Now, they claim I owe an enormous amount of money and are refusing to accept payments. They wont return my calls to help resolve this issue. Please assist me in addressing these problems and keeping my family in our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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 non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am writing to formally demand that ALLY FINANCIAL immediately cease all unlawful attempts to collect a debt by contacting my close friends and family members regarding a debt collection. It has come to my attention that the agency has reached out to individuals unrelated to this debt, specifically asking for my contact information. If this debt were legitimate, they would already have my contact details, making their methods not only deceptive but also a direct violation of the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S.C. 1692c ( b ) of the FDCPA, debt collectors are strictly prohibited from contacting third parties about a debt except under very limited circumstances ( such as to obtain location information, and even then, only once ). 

The fact that they have continued to reach out to individuals outside of this account holder, including requesting personal contact details, is illegal. Given these violations, I am formally requesting that all further communication regarding this matter cease immediately, and that any alleged debt associated with this account be removed. Failure to comply will result in further action, including potential legal consequences. 

Ive attached screenshots of when they tried to contact me and my sister, specially asking for XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: CA

Complaint narrative:
MOHELA student loans has withdrawn my payment, but is not posting it into my account. Despite multiple calls within the last month, they have not fixed the problem and my payments continue to be withdrawn and I am showing a past due amount.. when Im connected to a supervisor the supervisor does not respond and my phone call is dropped. Despite multiple attempts to try to fix this problem within the last month, I continue to show an overdue balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP
State: FL

Complaint narrative:
My house was impacted by XXXX XXXX. I got in touch with us bank and explained to them the situation. I was told we can differ 3 month of my mortgage payment and all I need to do is to call or go online XXXX weeks before the end of the 3rd month to apply for mortgage assistance to allow me to push these 3 month to the back of the loan. I was told it will take XXXX weeks for the process to be completed 100 %. I did everything I was directed to do. I applied for the mortgage assistance around XXXX XXXX. Yet its almost the end of XXXX and the application is still under review. I provided everything I was asked to provide. Now there is 2 late payments on my credit report that dropped down my credit from XXXX ish to XXXX. I was told by us bank employee that these late payment will be removed. And then another one told me they dont be removed. Us bank handled my request very poorly & its impossible to have 2 of their bankers agree to the same thing. Everyone have a mind of their own, there is lack of communication and training on their end. Please listen to the calls

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-03-24 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: AR

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 explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

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 non-monetary relief