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

Complaint narrative:
I am filing this complaint against XXXX XXXX ( a division of XXXX XXXX  ) for their failure to correct inaccurate credit reporting that has caused severe financial harm to my credit score. 

I financed a XXXX  XXXX XXXX through XXXX XXXX XXXX Account # XXXX ). 
Due to being a victim of fraud and grand theft, I temporarily paused payments after discussing with the XXXX XXXX State Attorneys Office that the criminal responsible was expected to pay restitution directly to XXXX XXXX as part of a plea deal. 
I notified XXXX XXXX of this information, and after legal delays in the case, I noticed they reported my account as 60 days late, which immediately dropped my credit score by over XXXX points. 
The second I noticed this, I brought my account current per our agreement, yet XXXX XXXX still refuses to remove the late payment designation from my credit report. 
My official loan statements from XXXX XXXX show my account as never late, yet they are reporting false information to credit bureaus. 
They initially agreed to discuss a settlement, but after I proposed a lower amount, they reneged the settlement offer and continued to harm my credit standing despite my good faith efforts. 
This inaccurate reporting has made it impossible for me to obtain fair financing, as my credit score has dropped from around XXXX to below XXXX, despite my loan being current and in good standing.

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 2025-03-03 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: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX ( a division of XXXX XXXX  ) for their failure to correct inaccurate credit reporting that has caused severe financial harm to my credit score. 

I financed a XXXX  XXXX XXXX through XXXX XXXX XXXX Account # XXXX ). 
Due to being a victim of fraud and grand theft, I temporarily paused payments after discussing with the XXXX XXXX State Attorneys Office that the criminal responsible was expected to pay restitution directly to XXXX XXXX as part of a plea deal. 
I notified XXXX XXXX of this information, and after legal delays in the case, I noticed they reported my account as 60 days late, which immediately dropped my credit score by over XXXX points. 
The second I noticed this, I brought my account current per our agreement, yet XXXX XXXX still refuses to remove the late payment designation from my credit report. 
My official loan statements from XXXX XXXX show my account as never late, yet they are reporting false information to credit bureaus. 
They initially agreed to discuss a settlement, but after I proposed a lower amount, they reneged the settlement offer and continued to harm my credit standing despite my good faith efforts. 
This inaccurate reporting has made it impossible for me to obtain fair financing, as my credit score has dropped from around XXXX to below XXXX, despite my loan being current and in good standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX ( a division of XXXX XXXX  ) for their failure to correct inaccurate credit reporting that has caused severe financial harm to my credit score. 

I financed a XXXX  XXXX XXXX through XXXX XXXX XXXX Account # XXXX ). 
Due to being a victim of fraud and grand theft, I temporarily paused payments after discussing with the XXXX XXXX State Attorneys Office that the criminal responsible was expected to pay restitution directly to XXXX XXXX as part of a plea deal. 
I notified XXXX XXXX of this information, and after legal delays in the case, I noticed they reported my account as XXXX  days late, which immediately dropped my credit score by over XXXX points. 
The second I noticed this, I brought my account current per our agreement, yet XXXX XXXX still refuses to remove the late payment designation from my credit report. 
My official loan statements from XXXX XXXX show my account as never late, yet they are reporting false information to credit bureaus. 
They initially agreed to discuss a settlement, but after I proposed a lower amount, they reneged the settlement offer and continued to harm my credit standing despite my good faith efforts. 
This inaccurate reporting has made it impossible for me to obtain fair financing, as my credit score has dropped from around XXXX to below XXXX, despite my loan being current and in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: PA

Complaint narrative:
I had paid this debt in full there should be no balance In applying for mortgage, it's data is reported that I'm XXXX  days past due. 

Previously, I had setup a special deferment agreed on after my last payment during pandemic. 

My family is relying on my ability to provide stable, affordable housing Now, I am unable to do that, because of this reporting data My credit is crashed because of this malinformation

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

Complaint narrative:
I am writing to formally dispute inaccurate and fraudulent information listed on my credit report. As a survivor of human trafficking, I am exercising my rights under the Fair credit Reporting Act ( FCRA ) and the Debt Bondage Repair Act ( DBRA ) to request the immediate correction of the following items : XXXX. XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # : XXXX ) XXXX. XXXX XXXX  ( Account # : XXXX ) XXXX. XXXX XXXX ( Account # : XXXX ) XXXX. XXXX XXXX XXXX XXXX ( Account # : XXXX ) XXXX. XXXX XXXX XXXX XXXX ( Account # : XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate and fraudulent information listed on my credit report. As a survivor of human trafficking, I am exercising my rights under the Fair credit Reporting Act ( FCRA ) and the Debt Bondage Repair Act ( DBRA ) to request the immediate correction of the following items : XXXX. XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # : XXXX ) XXXX. XXXX XXXX  ( Account # : XXXX ) XXXX. XXXX XXXX ( Account # : XXXX ) XXXX. XXXX XXXX XXXX XXXX ( Account # : XXXX ) XXXX. XXXX XXXX XXXX XXXX ( Account # : XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: TN

Complaint narrative:
I tried calling the debt company on XX/XX/XXXX to try and figure out where and when this debt was accumulated. They could not give me an answer, very very rude customer service.

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

Complaint narrative:
I am writing to formally dispute the repossession and charge-off entry on my credit report, listed under XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i ( a ), I request an immediate investigation and removal of this item due to inaccurate or unverifiable reporting.

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

Complaint narrative:
I am writing to formally dispute the repossession and charge-off entry on my credit report, listed under XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i ( a ), I request an immediate investigation and removal of this item due to inaccurate or unverifiable 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 non-monetary relief
Consumer complaint received 2025-03-03 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: FL

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX  : Account number : XXXX, XXXX XXXX  : Account number : XXXX, XXXX XXXX  : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
Date of Incident : XX/XX/year> Company Involved : XXXX XXXX in Dispute : {$1200.00} I am filing this complaint regarding an issue with overdraft fees and their reporting on my credit file by XXXX. As of XX/XX/year>, my account reflects a balance of {$1200.00} due to overdraft fees, which I believe contain errors and do not accurately reflect my account activity.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Trans Union and Equifax and XXXX are reporting wrong addresses. Ive asked for them to be removed on multiple occasions and they are still have Not been removed. I have provided the correct information under my name and social and ID also proof of address in Which I should be only showing one address, one name, one birthday on my credit reports in compliance with reporting the correct information on an individuals behalf.

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 2025-03-03 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account XXXX to the breach that occurred in 2024. My name is XXXX XXXX, and I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.Thank you for your assistance.Sincerely, XXXX XXXX. 

Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX  XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account

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 2025-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
On XX/XX/year>, I switched my auto insurance coverage from XXXX to XXXX XXXX. At that time, XXXX assured me that they would contact XXXX to cancel my previous policy, so that no further charges would be incurred. 

However, XXXX failed to follow through and cancel the XXXX policy as promised. As a result, XXXX continued to charge me, resulting in a balance of {$410.00} that has now been reported to credit agencies. When I contacted XXXX directly, they offered to accept half the balance as a settlement. This demonstrates that the full {$410.00} balance should not have been owed, as there was no need for me to maintain XXXX active auto insurance policies. 

The reporting of this inaccurate debt to credit agencies has unfairly impacted my credit profile. I am requesting that XXXX immediately remove this XXXX account from my credit report, as it does not reflect an accurate or legitimate debt. 

You will find downloaded in this portal, a letter of cancellation that progressive sent to XXXX at the time of this dispute

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this complaint against Sheffield Financial ( a division of Truist Bank ) for their failure to correct inaccurate credit reporting that has caused severe financial harm to my credit score. 

I financed a XXXX XXXX XXXXXXXX through XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 
Due to being a victim of fraud and grand theft, I temporarily paused payments after discussing with the XXXX XXXX XXXX XXXX XXXX that the criminal responsible was expected to pay restitution directly tXXXX XXXX XXXX XXXXs part of a plea deal. 
I notified XXXX XXXX of this information, and after legal delays in the case, I noticed they reported my account as 60 days late, which immediately dropped my XXXX XXXX by over XXXX points. 
The second I noticed this, I brought my account current per our agreement, yeXXXX XXXX XXXX still refuses to remove the late payment designation from my credit report. 
My official loan statements from XXXX XXXX  show my account as never late, yet they are reporting false information to credit bureaus. 
They initially agreed to discuss a settlement, but after I proposed a lower amount, they reneged the settlement offer and continued to harm my credit standing despite my good faith efforts. 
This inaccurate reporting has made it impossible for me to obtain fair financing, as my XXXX XXXX has dropped from around XXXX to below XXXX, despite my loan being current and in good standing.

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 2025-03-03 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My wallet was stolen and the cards were used to both make purchases and withdraw cash from accounts. The bank will not acknowledge that these were fraudulent charges nor provide documentation to support their erroneous position that these were verified transactions. A police report was filed and the bank was given copy of the report. 
These charges were in excess of {$90000.00} and were made in a 90 minute period at five different locations simultaneously. Well Fargo branch manager allowed a pin change to the account and now refuses to acknowledge the existence of fraud and refuses to share security footage of the transaction. Wells Fargo is not pursuing further investigation into the multiple transactions that tone place that day even when presented with all of the evidence.

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 2025-03-03 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: NC

Complaint narrative:
15 U.S.C. 6802 is a section of the United States Code that covers how financial institutions can disclose personal information. 15 USC 6801 Protection of nonpublic personal information. 15 USC 1681 is part of the FCRA, which governs how consumer credit reports are accessed.

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 2025-03-03 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate and fraudulent information listed on my credit report. As a survivor of human trafficking, I am exercising my rights under the Fair credit Reporting Act ( FCRA ) and the Debt Bondage Repair Act ( DBRA ) to request the immediate correction of the following items : XXXX. XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # : XXXX ) XXXX. XXXX XXXX  ( Account # : XXXX ) XXXX. XXXX XXXX ( Account # : XXXX ) XXXX. XXXX XXXX XXXX XXXX ( Account # : XXXX ) XXXX. XXXX XXXX XXXX XXXX ( Account # : 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 2025-03-03 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-03-03 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: National Credit Systems,Inc.
State: NC

Complaint narrative:
I was an authorized guest at my friend 's apartment. I didn't live there but I was visting and the lady in the rent office at XXXX XXXX XXXX XXXXXXXX informed me in order to place a maintenance request she needed my ID information ; which I thought was weird but I did it. I was only over there for 2 days when I placed the request and went back home to where I lived which was XXXXXXXX XXXX XXXX XXXX XXXX XXXX Well fast forward to 3 years I see that my friend apartment balance and eviction was on my credit when I never signed a lease or live there! I was only there for 2 days and have spent a night over there maybe 5 times out of 3 years. How is this even legal? PLEASE HELP ME! ITS RUINING MY LIFE AND IT ISN'T FAIR TO ME. I TOLD THE PROPERTY MULTIPLE TIMES IF THEY LOOK UP THE ORIGINAL LEASE THEY'LL SEE I NEVER SIGNED A LEASE OR ASKED TO BE APART OF THAT HOUSEHOLD. I HAVE NO FINANCIAL OBLIGATION OR ANY KIND TO THAT PROPERTY!

Company response to consumer: Closed with explanation