vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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: LA

Complaint narrative:
I am writing to formally dispute inaccurate and unverifiable information on my credit report under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. Despite my previous disputes, these errors remain unresolved, and as a result, I have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) due to your continued noncompliance. 

The following accounts and information are incorrectly reported and must be immediately investigated and removed : XXXX Account # XXXX Date Opened : XX/XX/XXXX Issue : Late Payment incorrectly reported. I have never made a late payment on this account. This is a clear violation of 15 U.S.C. 1681e ( b ), which mandates accurate reporting. 

XXXX XXXXXXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Issue : Late Payment incorrectly reported. I have never been late on this account, and no verifiable evidence supports this claim. Under 15 U.S.C. 1681i ( a ), you are required to reinvestigate and correct these errors. 

Additionally, my credit report contains multiple inaccurate addresses that I have never lived at and should be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA 15 U.S.C. 1681c ( a ) ( 5 ), outdated or inaccurate addresses must be deleted. The continued reporting of false information violates my rights and has significantly harmed my credit score.

Since my previous disputes have been ignored, I have escalated this matter to the CFPB. If you do not remove these inaccurate items within 30 days, I will explore further legal action for damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. 

Please provide me with written confirmation that these items have been removed or corrected. I expect a full response within the legally mandated XXXX period. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: MO

Complaint narrative:
I am getting 15-20+ calls a week from Sallie Mae about my loan that is behind that I spoke to someone about last month and thought I was back on track. I am being harassed on a daily basis. Last week I was called on : XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX XX/XX/XXXX : XXXX, XXXX ; XXXX, XXXX XX/XX/XXXX : XXXX, XXXX, XXXX XX/XX/XXXX : XXXX, XXXX, XXXX, XX/XX/XXXX : XXXX, XXXX, XXXX, XX/XX/XXXX : XXXX, XX/XX/XXXX : XXXX Yesterday XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
My mortgage was changed from a VA loan to a conventional loan when it was transferred to Carrington Mortgage. I recently discovered this. They also denied my forbearance request because of the type of loan they changed it too. I asked for mortgage assistance due to a car accident that left me unable to walk. Once I asked Carrington to address the issue of the fraudulent loan change they secretly started foreclosure preceedings. I called to attempt to catch up payments and that's how I found out I was in foreclosure no calls or mail from Carrington or lawyer. Carrington sends me a reinstatement fee with outrageous fees which they will not detail. I requested the documents on XX/XX/year> and they emailed me late on XX/XX/year> which is a Friday. They gave me until the XX/XX/year> to have the payment in their possession or it's no longer valid. The sale of my home was scheduled for next month. They are angry about me inquiring about the error and secretly started foreclosure they say. I only owe {$5100.00} and they sent me a reinstatement for {$7000.00}. Carrington has caused me money by doubling a va fixed rate mortgage to a conventional.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
While checking my credit report with XXXX, I noticed that Chase reported a 30 day late payment on two of my closed credit cards. That information is incorrect, I've never been 30 days late on a credit card payment with Chase.

These were on two separate credit cards. The first mistake was on a card opened on XX/XX/XXXX showing a 30 day late payment on XX/XX/XXXX. The second card was opened on XX/XX/XXXX and has a 30 day late payment reporting on XX/XX/XXXX. 
I don't have the full card number for these two accounts because both cards are closed and no longer active, so I no longer have the physical credit card. 
This information is wrong, I've never been 30 days late on a payment with Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from 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 non-monetary relief
Consumer complaint received 2025-03-18 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX TransUnion Subject : Formal Dispute of Inaccurate Personal Information under the Fair Credit Reporting Act ( FCRA ) TransUnion, I am writing to formally dispute the inaccurate personal information that appears on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to dispute any incorrect or unverifiable information, and you are required by law to conduct a reasonable investigation and correct or remove any inaccurate or unverified data.

Inaccurate Information on My Credit Report 1. Incorrect Addresses : I have noticed multiple incorrect addresses listed on my credit file. These addresses are not associated with me, and I request their immediate removal : Incorrect Addresses to Be Removed : XXXX XXXX XXXX XXXX, GA XXXX Correct Address to Be Added : XXXX XXXX XXXX XXXX, GA XXXX 2. Incorrect Employers : Additionally, my credit report lists incorrect employment information. Under the FCRA ( 15 U.S.C. 1681c ), credit bureaus are required to ensure the accuracy of consumer reports. The following employers should be removed as they are incorrect and not associated with me : Incorrect Employers to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that all employer information be removed from my credit report, as employment history is not required for credit reporting purposes.

Legal Basis for My Request Under the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), credit bureaus must investigate disputed information within 30 days and remove or correct any inaccurate, incomplete, or unverifiable information. Failing to do so is a violation of federal law.

Additionally, under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy in consumer reports. Allowing false personal data to remain on my file is a direct violation of this provision.

Requested Action I request that you : Remove all incorrect addresses and employers listed above.

Update my credit file with my correct address.

Provide written confirmation that these corrections have been made.

I have attached copies of my government-issued ID and a recent utility bill as proof of my correct address. If these errors are not corrected within the legally required 30-day period, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Please confirm the corrections in writing at your earliest convenience. If you need additional information, you may contact me at the details above.

Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX XX/XX/year> Subject : Urgent XXXX Violation Dispute Unauthorized Access & Deletion of Student Loan Data Dear CFPB, I am formally disputing the unauthorized access and deletion of my student loan data as reported in the XXXX XXXX article titled XXXX XXXX and FERPA : Did Doge Breach Student Loan Contracts? '' ( XX/XX/year> ). The report raises alarming concerns regarding potential violations of the Family Educational Rights and Privacy Act ( FERPA ) due to unauthorized access and tampering with student loan records.

As a borrower with active student loan obligations, I am highly concerned that my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures.

I am formally requesting the following actions : 1. Immediate Investigation A full audit into whether my records were accessed, altered, or deleted without my consent.

2. Full Disclosure A comprehensive list of entities or individuals involved in accessing, modifying, or deleting my records.

3. Restoration & Rectification Immediate correction of any unauthorized deletions, accompanied by a written statement confirming all corrective actions taken.

4. Future Compliance Assurance A formal, written confirmation that my student loan records will remain fully protected under FERPA and that no further unauthorized access or modifications will occur. 

I expect a written response within 30 days from the date of this letter, detailing the steps taken to address this matter. If my concerns are not properly addressed, I will escalate this issue by filing a formal complaint with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( FPCO ) and explore legal remedies. 

Please contact me at ( XXXX ) XXXX or email XXXX with updates. I trust that you will handle this matter with the urgency it demands. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: TX

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$740000.00} - Remove late only CAPITAL XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} New lates XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$33000.00} - Chargeoff- XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$16000.00} -late/closed XXXXXXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$14000.00} -late/closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$34000.00} - Chargeoff XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$210.00} -late/closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Chargeoff

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$740000.00} - Remove late only CAPITAL XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} New lates XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$33000.00} - Chargeoff- XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$16000.00} -late/closed XXXXXXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$14000.00} -late/closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$34000.00} - Chargeoff XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$210.00} -late/closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Chargeoff

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 2025-03-18 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: DC

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have filed numerous complaints about not being notified of limit decreases on my card ending in XXXX. I have tried to obtain copies and in the past couple years and they just denied me. 

Most recently an executive contacted me and told me she found the letter dated XX/XX/XXXX and sent a copy. I NEVER RECEIVED THE ORIGINAL LETTER. In speaking with her she said that I received it digitally. I DID NOT. When I asked them to send a copy of the electronic notification, they are telling me I need a subpoena. Citi is likely using an internal policy to avoid compliance due to their failure to send it. I have checked the U.S. C ss 7001 and they are required to send it to me. 

I want a legal basis for their rejecting my requests. I will NOT send a subpoena and will go the attorney general if they fail to comply. This is my personal information, and I am entitled to receive it. 

Please refrain from mentioning that I would like my accounts restored. I just want proof that a letter was sent.

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