vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief
Consumer complaint received 2025-05-15 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: Dovenmuehle Mortgage, Inc.
State: AL

Complaint narrative:
CFPB Complaint Against Dovenmuehle Mortgage , IncXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Complainant : XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Dovenmuehle 's procedural sabotage, including failure to respond to disputes and retaliatory credit reporting has only escalated since litigation began. their XX/XX/year> inaccurate mortgage statement, multiple credit inaccuracies, and abusive CFPB responses demonstrate a systemic effort to undermine consumer protections. 

XXXX. Systemic Dispute Suppression Policy - New Issue : Based on the pattern of Dovenmuehles actions, their intent is to intimidate and deny thus they label borrower disputes duplicative and frivolous without review. 
- Violation : RESPA 2605 ( e ) ( pattern of non-compliance ) + CFPA 5531 ( unfair acts ).

- Distinction : This evidence wasnt available during prior complaints.

2. Collusion in Post-Litigation Harassment - New Evidence : Dovenmuehle placed XXXX XXXX XXXX XXXX XXXX ( Exhibit E : Call Log ) after lawsuit and XX/XX/scrub>XXXX XXXX was sent. 
- Violation : FDCPA 1692d ( 5 ) ( harassment ) + CFPA 5536 ( a ) ( 1 ) ( B ) ( abusive tactics ). 
- Distinction : This harassment occurred after litigation began. 

XXXX. Requested Action - Investigate Dovenmuehles corporate policy of dismissing disputes.

- Impose civil penalties under 12 U.S.C. 5565. 
-An immediate and thorough investigation into the inaccuracies reported on my credit. 
-Immediate correction of erroneous delinquency entries with XXXX XXXX XXXX XXXX 
-A written response detailing the corrective actions taken regarding my account. 

Key Distinctions from Litigation Issue| Federal Lawsuit New CFPB Complaints | Retaliatory Credit Reporting| Not addressed in original complaint. | Focus on post-filing retaliation ( XXXX and XX/XX/year> ). | Escrow Fraud| General RESPA violations. | Specific to XX/XX/year> statements. | Corporate Policy | Procedural abuses ( discovery/answer delays ). | Dovenmuehles " frivolous '' dispute directive. | Saturday Calls * | Prior FDCPA violations ( evening calls ).

| New harassment tied to litigation timeline. |

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: Maximus Federal Services, Inc.
State: MN

Complaint narrative:
I am filing this complaint because my federal student loan servicer, Aidvantage, has reported 90-day late payments on my credit report that are both misleading and unjustified, and I am requesting that they be removed.

For multiple months, my account appeared as Current on my credit reports, and I was never notified that payments were due. I did not receive any billing statements, mailed notices, or alerts indicating the account was delinquent. I believed the loan was in forbearance or otherwise not requiring payment at the time.

I only became aware of the issue after reviewing my credit report, which suddenly showed a 90 Days Past Due with no prior reporting of 30-day or 60-day delinquencies. This kind of reporting is both inaccurate and inconsistent with standard credit reporting guidelines, which require a progression of late payment history.

After registering with Aidvantage, I saw that their system claims bills were mailed monthly, yet I never received a single statement or notice. My contact information was correct, and I regularly monitor my mail and credit but still had no idea this account was being marked delinquent. 

I contacted Aidvantage to dispute the late payment and explain that I had never been properly notified, but they refused to remove it, stating only that they were reporting accurately. However, I strongly disagree with this assessment, as I had no reasonable way to know that I was behind on payments. I acted in good faith and would have resolved the issue immediately if I had been aware of it. 

I have attached credit report screenshots from both XXXX  and XXXX, which clearly show : No 30- or 60-day late payments reported, A sudden 90 Days Late status No indication that the account was becoming past due before that point. 

This inaccurate reporting has severely impacted my credit and is threatening my ability to qualify for a mortgage and secure stable housing for my family. I am requesting that the CFPB review this case and compel the servicer to remove the late payments due to : Lack of proper notice, Misleading and inaccurate reporting, Inconsistent payment history presentation, Significant and unfair financial harm. 

I have not yet disputed this directly with the credit bureaus because the reporting is clearly inaccurate and unsupported. I am seeking expedited resolution through the CFPB due to the urgent impact on my credit and mortgage eligibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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, 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 2025-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Service Bureau, Inc.
State: KS

Complaint narrative:
Midwest Services has been calling been calling me since XXXX of XXXX both on my personal cell phone and at my place of employment. I tried to do the online payment to see what it was about because I have not had any medical services since XXXX. My name and dob did not work when trying to log in. They told me they sent a statement to an old address from 12 years ago XXXX XXXX XXXX. I told them I hadn't lived there in a very long time and gave them my new address of XXXX XXXX and asked for a statement to be sent. They said they would not because they already mailed on. I had been called 33 times between XX/XX/XXXX and XX/XX/XXXX. I have talked to them probably 5 times because they call when I'm busy at work and can not keep taking phone calls to keep asking for them to send me a statement to my new address. I spoke with them on XX/XX/XXXX when they refused to send me a statement telling me they would only email it and XXXX XXXX up on me. I called back and talked to another representative explaining I'm just trying to get a statement so I can see what it is. He told me no, I was refusing to pay and I had issues. I asked to speak to a manager and was just put on hold. I hung up and called back and talked to a female explaining and she said they would send a statement. It has been 9 business days and I still have not received anything but they did send me anything in the mail to my current address I have updated with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: MD

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of identity theft. I discovered several unauthorized credit accounts, hard inquiries, employers, and addresses listed on my credit reports that do not belong to me. 

The fraudulent activity includes : Credit inquiries from 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 

Fraudulent credit accounts opened in my name : 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, no amount reported. 

Incorrect employment information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Unauthorized addresses listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect name variations on credit report : XXXX XXXX and XXXX XXXX XXXX XXXX 

Since discovering these issues, I have taken the following actions : Disputed all inaccurate and fraudulent entries with the credit bureaus. 

Filed an Identity Theft Report with the FTC ( Report # XXXX ). 

Submitted documentation to the relevant institutions for investigation and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
XX/XX/XXXX On my bank statement saw a charge XXXX XXXX XXXX XXXX for {$2100.00} Called the bank as soon as I saw this and disputed the charge, I have never been to XXXXXXXX XXXX, and never used my card there. 
My husband has his own card and XXXX not use mine. 
I called bank XX/XX/XXXX, after not hearing anything since XX/XX/XXXX, the date I disputed charge, they informed me the dispute was denied, I call this XXXX XXXX  which is a mortgage, light bill, water bill company that you pay your bills to, they refused to talk to me and said take it up with bank. 
Please help me recover this money. 
I nor my husband made this charge and the bank can tell me nothing except my dispute was denied. 
This is so unfair, my husband lost his job in XX/XX/XXXX, and our house caught fire XX/XX/XXXX, and we really need our money back. 
Please investigate these charges. 
Thank you Also the day I found out I quit using my debit card and got a new one. 
XXXX Bank of America explained if this were fraud, they would keep using my card, but XXXX time does not make fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: LA

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 explanation
Consumer complaint received 2025-05-15 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was trying to reach out to Experian by calling ( XXXX ) XXXX to talk about the dispute report XXXX XXXXXXXX to confirm some information concerns there, and also want to talk about the inaccurate decreasing of my XXXX XXXX on XX/XX/XXXX. XXXX. But the automatic audio kept asking me very weird question and didn't direct me to a representative even after trying several calls, the audio just directed to end the call anytime when my answer doesn't match with the system setup. This is very not intelligent and not able to solve customer 's questions. 
I also tried to ask online, the robot chat just told me this number : XXXX. I dialed it and still got the same issues in the above, I also attached the screenshot, it just told me there is nothing else it can do. I have no idea how hard it is to get to a real agent in Experian to solve my questions.

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