vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I sent a letter to Experian, Opt Out, XXXX XXXX XXXX, XXXX, TX XXXX, requesting to permanently opt out of all preapproved and / or prescreened offers and remove my name and addresses listed on the request. 

A few years later, offers from XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX were sent to my residence. They were addressed to someone who has never lived at my residence, I wrote " Return to sender addressee unknown '' on the outside of the envelope and mailed at the post office. 

On XX/XX/XXXX, I wrote Experian and restated that I wanted to be permanently opted out of offers and I wanted the offers stopped to the person they were sending them to. 

In XXXX on XXXX, I received a response from Experian stating that they removing my name from preapproved offer for five years and if I wanted to be removed permanently, I could write a letter requesting that. They did not deal with my request to remove the person 's name that was receiving offers at my address. 

On XX/XX/XXXX, I went on a website provided by XXXX to remove your name from receiving and future offers. I put the information in and was told that I might receive 1 to 2 more mailings. I have received 3 mailings since opting out. 

On XX/XX/XXXX, I called XXXX and found out that their marketing information is provided by Experian. 

On XX/XX/XXXX, I logged on to my account at Experian and found no information on how to handle this problem. I called Experian and the bot told me to go to the website and figure it out and hung up on me.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX Acct # XXXX ; Amount {$500.00} has continuously been reported as a debt with the responsible party being XXXX XXXX XXXX 31 US Code 1501 - Documentary evidence requirement for Government obligations ( a ) An amount shall be recorded as an obligation of the United States Government only when supported by documentary evidence of - ( 2 ) a loan agreement showing the amount and terms of repayment ; This statute clearly outlines the above mentioned debt as a direct obligation of the United States Government, NOT XXXX XXXX XXXX. Therefore I demand that XXXX XXXX cease all negative reporting of this account under my name and social security number and delete these reports from my credit report. I have requested this account be cleared from my name on multiple occasions and if it is not cleared within XXXX  days of receipt of this final demand, I will be filing a lawsuit which outlines all of my attempts to rectify this issue. XXXX  XXXX and each reporting agency to which XXXX XXXX has sent a report, have been knowingly and purposefully misreporting this account and others for years which is in direct violation of the US Code and the FRCA.

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 2025-04-26 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: NV

Complaint narrative:
XXXX XXXX Acct # XXXX ; Amount {$500.00} has continuously been reported as a debt with the responsible party being XXXX XXXX XXXX 31 US Code 1501 - Documentary evidence requirement for Government obligations ( a ) An amount shall be recorded as an obligation of the United States Government only when supported by documentary evidence of - ( 2 ) a loan agreement showing the amount and terms of repayment ; This statute clearly outlines the above mentioned debt as a direct obligation of the United States Government, NOT XXXX XXXX XXXX. Therefore I demand that XXXX XXXX cease all negative reporting of this account under my name and social security number and delete these reports from my credit report. I have requested this account be cleared from my name on multiple occasions and if it is not cleared within XXXX  days of receipt of this final demand, I will be filing a lawsuit which outlines all of my attempts to rectify this issue. XXXX XXXXXXXX and each reporting agency to which XXXX XXXX has sent a report, have been knowingly and purposefully misreporting this account and others for years which is in direct violation of the US Code and the FRCA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: PA

Complaint narrative:
I have disputed the XXXX XXXXXXXX XXXX account multiple times with the credit bureaus and the creditor. Despite my disputes, XXXX continues to report incomplete and misleading information. The account is listed as charged off with a reported balance of {$350.00}, even though the credit limit was only {$300.00}. The account shows as closed and charged off but does not clearly indicate whether the debt was sold, settled, or remains with the original creditor. The highest balance and payment history reporting are inconsistent and missing important details. This reporting is incomplete and misleading under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ) and does not comply with Metro 2 reporting standards. Additionally, by verifying inaccurate or incomplete information after prior disputes, XXXX may have violated FCRA Section 611 ( 15 U.S.C. 1681i ). 

This inaccurate reporting is actively harming my credit profile and limiting my ability to obtain fair credit opportunities. I am requesting an immediate investigation and the full deletion of this account from my credit reports because it fails to meet the legal standards of accuracy and completeness required under federal law.

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 2025-04-26 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: PA

Complaint narrative:
I have disputed the XXXX XXXXXXXX XXXX account multiple times with the credit bureaus and the creditor. Despite my disputes, XXXX continues to report incomplete and misleading information. The account is listed as charged off with a reported balance of {$350.00}, even though the credit limit was only {$300.00}. The account shows as closed and charged off but does not clearly indicate whether the debt was sold, settled, or remains with the original creditor. The highest balance and payment history reporting are inconsistent and missing important details. This reporting is incomplete and misleading under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ) and does not comply with Metro 2 reporting standards. Additionally, by verifying inaccurate or incomplete information after prior disputes, XXXX may have violated FCRA Section 611 ( 15 U.S.C. 1681i ). 

This inaccurate reporting is actively harming my credit profile and limiting my ability to obtain fair credit opportunities. I am requesting an immediate investigation and the full deletion of this account from my credit reports because it fails to meet the legal standards of accuracy and completeness required under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
I was XXXX on XX/XX/year> and tried to reach out Mr cooper and would have my family contact the attorney and they would not assist me. And they would assist me for mortgage. I filed bankruptcy on XX/XX/year> and mailed the paperwork to bankruptcy court in XXXX and they did not post the paperwork they posted the bankruptcy for XX/XX/year> but it was too late! And I want to file a complaint on Mr cooper because they did not assist me and I was incarcerated during this process and reached for assistance but no one returned my calls! And I feel this was done unlawfully and incorrectly and I lost my home for no reason. Please assist me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: CA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: VA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my livelihood ability to obtain credit. This is a third-party and I do not recognize or authorized them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: LA

Complaint narrative:
I have my receipt I also talked to the atm agent then called chime their agent confirmed my money went back into the machine but still saying XXXX when I only get paid every XXXX weeks that was for my energy bill in my lights are on the verge of being disconnected I don't understand if they finished investigating but still making me wait for my hard earned money.i have my receipt and everything I also got witness the XXXX  employee

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: TX

Complaint narrative:
Sallie Mae, the private lender of my student loan refused categorically to lower my monthly student loan payment despite my several complaints and request made directly to loan servicer. I just started a job which does not pay a six-figure income, and I am taking care of my parents both are over XXXX XXXX XXXX, my XXXX XXXX XXXX XXXX XXXX, and my XXXX had a XXXX, my father despite his health conditions still performing a Part time job, my mother is unemployed. Sallie Mae is over charging me, just recently they increased the monthly payment beyond {$1400.00}. They have shown no concerns nor consideration and totally neglecting and disregarding the real challenges and struggles I am facing. My father called and spoke to a representative, but they could not find a better way to show compassion or respect to his worries but dismissing him refusing to give consideration to his complaint and concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 
and accuracies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian is reporting a primary address that I have never lived at. 

I am trying to dispute it, but they are insisting that I contact the company that reported it and the company is erroneously reporting a collection account under this address and my name as well. I have disputed the collection report on my credit file, but Experian will not let me delete the address at which I have never lived. 

My address is XXXX XXXX XXXX, XXXX, NJ XXXX ( which appears on my file ) The incorrect address is XXXX XXXX XXXX XXXX, NJ XXXX which should be promptly removed from my file. I HAVE NEVER LIVED THERE OR USED THAT ADDRESS FOR ANY REASON.

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 2025-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hi, Im reaching out regarding XXXX fraudulent transactions tied to my account : XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX ) When I initially disputed these transactions, I waited the full XXXX period for a resolution. However, when I followed up, I was informed that no dispute had been filed. When I attempted to properly dispute the charges at that point, I was told the XXXX window to dispute had expired, preventing further action. 

Over the past XXXX years, I have repeatedly tried to reopen these claims. Now, Im being told that the bank can not locate which card was used for these transactions. I was advised the only way to resolve this would be by visiting a branch but as I live in the XXXX, the nearest BMO branch is over XXXX hours away in XXXX XXXX, making this extremely difficult. 

I have escalated this matter several times to supervisors and resolution specialists. I was instructed to email the Reg E department, which I have done on multiple occasions without receiving any response. 

I have since closed my BMO account due to the distance issue, but I want to make sure this dispute is properly addressed and resolved. My account number was XXXX. 

Please let me know the next steps to escalate this appropriately. Thank you for your 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 explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I made a payment for XXXX to my American Express. I was having XXXX and set up my affairs to be in order. I was unaware that a payment account had bounced and caused my account to be unable to clear that large payment. In the process of this matter over 3 times XXXX was added to my American Express making my bill over XXXX! I immediately tried to resolve the problem and they adjusted 1 of the 3 charges. I was able to get the bill to XXXX while they investigated the other 2 charges. I paid in full the total of the actual charges and now I am still being asked to pay that added XXXX two months in a row in excess. I am calling and writing them only to keep getting denied resolution. Please advise me of what to do next because this is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
Theyre trying to collect a debt that I dont owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: GA

Complaint narrative:
I am asking for your assistance in looking into accounts from companies that have incorrectly reported late payments. After reviewing my credit report, I found some accounts showing late payments that are not accurate. These accounts should not have any such remarks. Please remove these errors and update the accounts to show a positive status as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: GA

Complaint narrative:
I am writing in response to your attempt to collect an alleged debt from me. I am formally requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. 
Please provide the following information : 1. 
The name and address of the original creditor. 
2. 
The original account number associated with the debt. 
3. 
The amount of the original debt and an itemized breakdown of any additional fees, interest, or charges added. 
4. 
Proof that you have the legal right to collect this debt, including a copy of the assignment or purchase agreement transferring the debt to your agency. 
5. 
Copies of any signed agreements or contracts establishing my liability for this debt. 
6. 
Proof that the debt is within the applicable statute of limitations. 
7. 
Copies of any judgments obtained against me ( if applicable ). 
8. 
The full name and address of any previous collectors who have attempted to collect this debt. 
Until I receive the requested information, I am disputing this debt in its entirety. Under the FDCPA, you are required to cease collection efforts until this debt is validated. If you fail to provide proper validation, I will consider this matter resolved and expect no further communication regarding this debt. 
Additionally, any reporting of this unvalidated debt to credit bureaus may be a violation of the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office if necessary. 
Please respond to this request in writing at the address provided above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IN

Complaint narrative:
Yes, on XXXX i purchased a house, that same day i provided the managment with a verbal and 30 day written notice that i would be moving out of the apartments. On XXXX i gave managment {$540.00} ( the amount of monthly rent ). On XXXX i was moved out and turned over the mail box keys and apartment keys since i was moved out befor the due date ( the XXXX of every month ) managment gave my {$540.00} check back. Now a creditor is saying i owe for the whole month of XXXX. This is not true i was out befor due date and there managment gave me my check back. Thank you for your time 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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Everything in my credit report was involved in the data breach.

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 2025-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
I had a number of fraudulent charges on my account. Before the charges could post and I could dispute them the Current team closed my account. While I understand they have this right I am now unable to contact the bank to dispute the fraudulent charges as required by Regulation E.

Company response to consumer: Closed with explanation