vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the XXXX Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: NV

Complaint narrative:
Following a data breach that compromised my personal information, fraudulent accounts have been reported on my credit file. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I request that these accounts be blocked and removed within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$170.00}

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 2025-06-06 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: NV

Complaint narrative:
Following a data breach that compromised my personal information, fraudulent accounts have been reported on my credit file. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I request that these accounts be blocked and removed within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$170.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Summit A*R, Inc.
State: TX

Complaint narrative:
Formal Complaint Regarding Inaccurate and Potentially Unlawful Credit Reporting Account # XXXX To Whom It May Concern, I am writing to formally file a complaint against Summit AR for potential violations of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Duty to provide accurate information, 15 U.S.C. 1681s-2 ( b ) ( 1 ) Duty to investigate disputed information, 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) Definition and exclusion of certain items from " consumer reports. '' Nature of the Complaint : Summit AR is reporting account number XXXX, which was allegedly opened in XXXX and charged off in XXXX. Despite this charge-off status, the account is still being actively updated in XXXX on my credit report, which is both inaccurate and misleading. 

This continued reporting raises serious concerns regarding re-aging of the debta practice that is not only deceptive but may also be unlawful. By updating a charged-off account years after the fact, it appears that Summit AR is attempting to manipulate the statute of limitations for the purpose of prolonging the derogatory impact on my credit report. 

Such actions misrepresent the true status of the debt and are damaging to my credit profile. This practice creates a false and unfair portrayal of my financial history to lenders and other parties who access my credit report. 

Action Requested : Immediate removal of the inaccurate and outdated information related to account # XXXX. 

A formal investigation into the reporting and updating practices applied to this account. 

Confirmation that all future reporting by Summit AR will fully comply with the FCRA and applicable Texas state law. 

I have already attempted to contact your company directly to dispute and resolve this matter, but to date, I have not received an adequate response. Please consider this a formal complaint and request for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: DE

Complaint narrative:
I am alerting you to fraudulent accounts placed on my credit file following a data breach.

Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$91.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: LA

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and use of my XXXX XXXX information, which constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ). This federal law mandates the protection and confidentiality of XXXX XXXX XXXX including any personally identifiable information related to my enrollment and financial aid. 

Despite these legal protections, my XXXX XXXX XXXX data was accessed, shared, or used without my knowledge or consent. This breach of confidentiality has resulted in the compromise of both my personal and financial information, exposing me to potential identity theft, financial loss, and emotional distress. 

As a borrower, I have a reasonable expectation that my sensitive records will be safeguarded. The failure to do so is not only a violation of FERPA, but also a gross neglect of the duty owed to me as a XXXX and citizen. This misuse of my information has had a direct and negative impact on my financial standing and personal wellbeing. 

Given the severity of this breach, I am formally requesting the immediate cancellation and full discharge of my outstanding sXXXX XXXX debt. This action is both necessary and appropriate to rectify the damage caused and to hold the responsible parties accountable for their failure to uphold federal privacy laws. 

Please investigate this matter promptly and provide a written response outlining the steps that will be taken to address this violation, including confirmation of loan discharge.

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 2025-06-06 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: LA

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and use of my XXXX XXXX  information, which constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ). This federal law mandates the protection and confidentiality of XXXX XXXX XXXX including any personally identifiable information related to my enrollment and financial aid. 

Despite these legal protections, my private XXXX XXXX data was accessed, shared, or used without my knowledge or consent. This breach of confidentiality has resulted in the compromise of both my personal and financial information, exposing me to potential identity theft, financial loss, and emotional distress. 

As a borrower, I have a reasonable expectation that my sensitive records will be safeguarded. The failure to do so is not only a violation of FERPA, but also a gross neglect of the duty owed to me as a XXXX  and citizen. This misuse of my information has had a direct and negative impact on my financial standing and personal wellbeing. 

Given the severity of this breach, I am formally requesting the immediate cancellation and full discharge of my outstanding XXXXXXXX XXXX debt. This action is both necessary and appropriate to rectify the damage caused and to hold the responsible parties accountable for their failure to uphold federal privacy laws. 

Please investigate this matter promptly and provide a written response outlining the steps that will be taken to address this violation, including confirmation of loan discharge.

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 2025-06-06 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: LA

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and use of my XXXX XXXX information, which constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ). This federal law mandates the protection and confidentiality of student education records, including any personally identifiable information related to my enrollment and financial aid. 

Despite these legal protections, my private XXXX XXXX data was accessed, shared, or used without my knowledge or consent. This breach of confidentiality has resulted in the compromise of both my personal and financial information, exposing me to potential identity theft, financial loss, and emotional distress. 

As a borrower, I have a reasonable expectation that my sensitive records will be safeguarded. The failure to do so is not only a violation of XXXX, but also a gross neglect of the duty owed to me as a XXXXXXXX and citizen. This misuse of my information has had a direct and negative impact on my financial standing and personal wellbeing. 

Given the severity of this breach, I am formally requesting the immediate cancellation and full discharge of my outstanding XXXX XXXX debt. This action is both necessary and appropriate to rectify the damage caused and to hold the responsible parties accountable for their failure to uphold federal privacy laws. 

Please investigate this matter promptly and provide a written response outlining the steps that will be taken to address this violation, including confirmation of loan discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MO

Complaint narrative:
Fair Collections and Out is a collection agency wrongfully trying to collect {$3000.00} from me and my daughter in law for an apartment lease that we never broke. This account is reporting so incorrectly it should not even be reporting on credit. When we moved into this apartment almost immediately I started getting harassed by a maintenance staff member. I brought this up multiple times to the apartment manager and they did nothing. I then got my car broken into and they once again did nothing and this time I decided to file a police report since it was obvious the apartments would do nothing for my safety. My family and I talked to the apartment manager stating we no longer felt safe at the apartments, even when they apartments had advertised they had on site security. The current apartment manager let us leave the apartment without breaking the lease but shortly after they quit. When the new apartment manager came in they immediately sent us to collections for over {$3000.00} and the collection company has done nothing to help us or be understanding of the situation. This is unreasonable and this collection is not fairly reporting. We did nothing to be put into collections and I demand these be taken off of our credit reports.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Capital One is reporting my XXXX, Quicksilver, and authorized user credit card accounts twice monthly with inaccurate information, including false account balances. These incorrect balances are being updated at each credit bureau every two weeks, resulting in a significant drop in my credit score. I've contacted Capital One multiple times about this issue, but they don't seem to care. I've also contacted the credit bureaus with proof and supporting paperwork. 
They are not supposed to report balances twice monthly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: GA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am supposed to get my paycheck today XX/XX/year> and I went to check my PNC bank account, and it said I could not be logged in. I called PNCs customer support and was told my account was closed and they could not provide me a reason, or an answer as to where my paycheck went. I called back a third time and they told me that my paycheck will get sent back to the employer but they couldnt provide me a reason as to why my account was closed, nor did they provide me with any documentation or policy stating that my paycheck will be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: TX

Complaint narrative:
I recently discovered an account on my credit report that I did not open, authorize, or use. This is a case of fraud. I was not notified or given any opportunity to verify or dispute its legitimacy before it appeared on my credit file.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
Bridgecrest XXXX XXXX XXXX XXXX AZ, XXXX Subject : Dispute of Charged-Off Account and Request for Correction Dear Bridgecrest Customer Service , I am writing to formally dispute the charged-off status of my auto loan account ( Account Number : [ XXXX ] ). I believe there are inaccuracies regarding the balance reflected on my credit report and the failure to furnish a 1099-C form, which has led to misinformation on my credit file. 
1. Charged-Off Balance : Despite this account being charged off, I still see a balance reported as XXXX. Under the Fair Credit Reporting Act, I request a detailed explanation of the outstanding balance and any supporting documents that validate this amount. 
2. 1099-C Form : I have not received a 1099-C for this account. The absence of this form is concerning, as it affects both my tax reporting and credit history. The failure to issue this form could imply that the debt has not been canceled, leading to an inaccurate representation of my financial obligations. 
Under the Fair Credit Reporting Act, I request that you investigate these discrepancies and provide me with a written response. Please include any documentation that supports your claims, as I need to ensure my credit report accurately reflects my financial status. 
I appreciate your prompt attention to this matter and look forward to resolving these issues as soon as possible. Please send your response to my mailing address listed above or via email. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: IL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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