vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
I have documentation from Ally by mail and by chat agents, reiterated that no inquiries are made on my account. I have XXXX on experian that states I do, XX/XX/year>. Ally said they'd remove them. XXXX requests have been made with no results. They keep requesting and requesting but this bank is incompetent. I have the proof it needs removed, they said it would be removed, but nothing happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: DC

Complaint narrative:
My loans were put into forbearance in XXXX of last year ( XXXX ) due to the SAVE plan. There has still been no decision on the SAVE plan. I never wanted my loans to be in forbearance and I have been making monthly payments since this happened. I called and they told me to apply for an income driven repayment plan and then in 30 days I will have a new plan that will allow me to pay my loans and they will count towards my PSLF loan forgiveness. I did this in XXXX of XXXX and it is XXXX of XXXX and I am still not on a plan and still in forbearance which I never wanted to be in. I call Mohela and they have not information for me and are no help. I have sent emails and I have called Mohela multiple times. They have not helped and this is now delaying my forgiveness for my PSLF. I have now been in forbearance for 10 months and they are telling me my payments I have been making have not counted for my PSLF or I am going to have to buy these months back. I want to be out of forbearance. Mohela continues to not respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SN SERVICING CORPORATION
State: TX

Complaint narrative:
Requested SN Servicing Company to please send a copy of all of our Billing Statements since inception on 3 separate occasions. They sent a spreadsheet which was not what we requested ; therefore, we requested again 2 more times. 
As to date, no responses to our request nor have they complied. 
We are also locked out of our account. 
This company is rude and deceptive. XXXX XXXX NOTE : I selected the option above regarding Late Payment or Default only because it took me to the next selection that best fit ; however, we have NOT been late on our mortgage with SN Servicing since they took over. They are saying we are in default despite ALWAYS paying them on time and the amounts that they have specifically stated. Also, unsure if this is an FHA or conventional loan as it has been passed around and sold to many servicing companies over the entire duration of the loan ( beginning XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Bank of America has done nothing but drag their feet with this entire situation. They state they investigated the fraud charges but there is no way they could have. They have never once asked me for any supporting documentation or anything else that could be important to this case. Every case they close out is a cut n paste generic response.

Reported fraud on my account. I was told within XXXX business days provisional credits would be posted to my account. This never happened. The bank never reached out with any updates on what was going on they just closed the case. When I called the bank multiple times I was given different answers by different people and lied to just the same. Every person I spoke with contradicted the person before them. I sent in additional information FTC complaint, police report, and other various information. I was told credits would be applied to my account while they re-research this. This never happened. Yet again everyone started lying just to get me off the phone. I spoke to someone last week who said that the money would be posted to my account the morhningt of the XXXX. This did not happen. When I called back in I spoke to XXXX in the fraud department he told me by the end of the week. I then asked to speak to his supervisor who was XXXX. She then stated that XXXX misinformed me and that it can take up to 60 days. I said no that is not what I have been told all along. I asked to speak to her supervisor XXXX yet again she kept reading a script and provided ZERO information. Finally XXXX in Arkansas who is a " Senior Manager '' refused to do anything for me except repeat himself like a broken record. There is an obvious reason why Bank of America is shutting down its branches. It has now been 17 days since my original claim was processed. I have received ZERO help from BOA except continuous lies and redirects. I have filed complaints for fraud from the bank itself with the FTC, the Attorney General and SC Consumer affairs. Will be filing with the Office of the Currency Controller and also filing with an attorney. I have contacted the local news as well.

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 monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Recovery Group
State: TX

Complaint narrative:
In XXXX I defaulted on a XXXX loan from XXXX. I started receiving calls from " Financial Recovery Group '' which also goes by " XXXX XXXX XXXX '' and " XXXX XXXX XXXX  '' and now " XXXX XXXX XXXX  '' I began paying $ XXXX to reduce the debt beginning on XX/XX/XXXX. This was allegedly from a debt in XXXX. I paid a total of {$2600.00} to them. 

I have now discovered that this was not the company that the debit was sold to. It was transferred to XXXX XXXX XXXX XXXX XXXX, which I have confirmed with XXXX and XXXX XXXX XXXX. This was the only transfer of the debt before it went to collections, as I thought I was already paying it with the above mentioned group. 

When I call Financial Recovery Group, they now say they recently merged with " XXXX XXXX XXXX  '' and that I still owe them {$400.00}. 

Here is XXXX contact information for them : XXXX XXXX # XXXX XXXX, CA XXXX TEL : XXXX WEB : XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Hello, Around XXXX or XXXX, I received a letter from the IRS to satisfy the debt I have with XXXX XXXX XXXX I don't remember the exact number but it was about $ XXXX to satisfy this debt. Now they are contacting me again and telling me that I owe {$90.00} for " fees ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XX/XX/year> The attach letter and image was a result of my dispute to XXXX XXXX. They made the correction. I note that both a TransUnion XXXX Equifax are reporting a derogatory remark and both have dropped my XXXX XXXX. In the attached letter address to me from XXXX XXXX the correct the mistake : We sent an update to the credit bureaus to change your account 's current balance to {$0.00}. It may take the credit bureaus up to 60 days to update your credit report. 

We ( XXXX XXXX and I ) spoke today regard any derogatory information sent to the credit bureaus. The XXXX XXXX XXXX stated there has never been a missed payment on this account. In fact, XXXX XXXX wants to upgrade me given my payment record. I am an excellent customer in their words. 

In a statement if there was a payment the statement would indicate the interest and possible additional fees. You will never see that indicated on any XXXX XXXX payment statement attached to my good name. 

Finally, my XXXX XXXX payment date is on the XXXX of the month. That marks the end of the previous billing cycle. I pay the bills from the XXXX of the month up until the XXXX of the month if needed. XXXX XXXX will generate there reports at the XXXX of the month. This means I am in the next billing cycle. The {$36.00} you XXXX TransUnion XXXX Equifax ) show is next cycle meaning the XXXX of the next month again I pay the bills from the XXXX of the month up until the XXXX of the month. If I do not pay the {$36.00} on the tenth please believe me XXXX XXXX will smile feeling like it hit the jackpot. I never want them to experience that feeling, trust me!!! 

Please remove the information and remove XXXX XXXX from any negativity on my credit report. XXXX XXXX and I have a great business relationship. It should be reflected the way it truly is in life. 

XXXX XXXX is sending me a letter indicating how long the card has been in use. The letter due to arrive in the next XXXX to XXXX business days will indicate I have never missed a payment and is in excellent standing, something like that. I will provide all three bureaus with that communication when I receive it. 

To TransUnion, I see you greatly lag the other bureaus in your scoring. Please do not personalize this.

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 2025-05-20 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 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 2025-05-20 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:
Im writing about a tradeline thats showing on my credit report. The way this account is being reported is not fully accurate, and it doesnt meet the standard of maximum possible accuracy thats required under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: NY

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! 

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/ 2025, I issued a formal Debt Validation Request to XXXX XXXX XXXX concerning an alleged {$1000.00} medical debt associated with XXXX XXXX XXXX XXXX XXXX which is being reported to consumer reporting agencies. This request was issued pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ( b ) ).

My written demand requested the following substantiating documentation : Competent evidence that I bear legal liability for the alleged obligation A full accounting and itemized breakdown of the charges comprising the balance Verification that XXXX XXXX XXXX possesses legal authority and assignment to collect on the alleged debt Documentation of my express consent to treatment and financial responsibility Affirmation that the alleged obligation has been handled in full compliance with HIPAA and all applicable state and federal consumer protection laws To date, no response of any kind has been received from XXXX XXXX XXXX. They have failed to satisfy their statutory duty to provide validation, nor have they acknowledged the dispute or ceased reporting. 

Despite their noncompliance, XXXX XXXX XXXX has continued to furnish the derogatory item to Equifax and TransUnion, in violation of both the FDCPA and the FCRA. The item is still being reported as of XX/XX/2025, per the XXXX XXXX summary. Notably, XXXX  has already purged the account from its records, indicating a lack of sufficient verification. 

This constitutes the following violations : FDCPA 1692g ( b ) : Continuing collection and reporting activity without first validating the debt is a statutory violation FCRA 1681s-2 ( b ) : Furnishing inaccurate or unverified information after receiving a consumer dispute constitutes a failure to conduct a reasonable investigation and a violation of the 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 2025-05-20 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:
Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681. 
In accordance with the fair credit reporting act convergent account 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 has violated my rights. 

15 U.S.C 1681 section 602 A. 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 may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: BARCLAYS BANK DELAWARE
State: NE

Complaint narrative:
I notified the Barclays company about an application ( XXXX ) that it was a Fraudulent application. Barclay informed me that this application was indeed a fraudulent application. I asked for Barclays to remove a Hard Inquiry from my credit report which they replied by saying I have to dispute this with the credit bureaus.

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 2025-05-20 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: MO

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XXXX XXXX 2025, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a disabled veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. XXXX XXXXefusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and XXXX stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief