vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 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: FL

Complaint narrative:
XXXX XXXX has an hard inquiry about berleys bank wen that case was resolved and closed butt yet it is still there for some strange reasons

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 2025-05-04 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:
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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. CXXXXe XXXXb Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
* * Subject : Formal Complaint Regarding Unverified Collection Account * * To Whom It May Concern, I am writing to formally lodge a complaint regarding an unverified and potentially invalid collection account being reported by XXXX XXXX XXXX, which has not complied with my lawful requests for verification under the Fair Debt Collection Practices Act ( FDCPA ). 

I have not received sufficient documentation to validate the legitimacy of the account. They say I owe {$540.00}. Specifically, the following information is requested or the item must immediately be removed from all three credit reporting agencies.I requested the following information : * A copy of the original contract bearing my signature; * Proof that the company offered lawful consideration; * The specific identities of all parties of interest ; * Sworn affidavits affirming the debts accuracy and ownership; * A full ledger of accounting documentation from inception to present ; * A breakdown of specific services rendered and associated billing codes; * A copy of the companys Georgia business license ; and * Certified copies of the company 's articles of incorporation. 

None of these documents have been provided. As such, this collection agency is in violation of both federal and state consumer protection laws by continuing to report and/or attempt to collect on a debt that remains unverified. I believe this constitutes an unfair and deceptive practice. 

I am requesting that the CFPB investigate this matter promptly and take the appropriate actions to ensure the collector complies with all applicable laws, including but not limited to : ceasing collection efforts, deleting any reporting made to credit bureaus, and providing full documentation if the debt is in fact valid. 

Please keep me informed of any updates or actions taken regarding this complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: MI

Complaint narrative:
The company Nelnet is stating that as of this year alone I have over {$6000.00} in interest acquired. I was told interest would be frozen under the XXXX information. Also, the company has remained to put on my information page that XXXX payment was due at this time. 2024 interest was still be accured when it was supposed to be on freeze.They have continued to accure interest all of last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
Account is paid in full and closed by me the company is still reporting it open with a balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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 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 non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Advanced Resolution Services Inc.
State: MI

Complaint narrative:
XXXX, I am filing this complaint about certain inaccurate and/or incomplete information contained in my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit file, I have identified the following information that is either incorrect or incomplete and should be deleted immediately to ensure the accuracy of my credit report. 

Account Information to Be Disputed : XXXX XXXX  Under the FCRA, you are required to ensure that the information reported on consumers is accurate and complete. If you are unable to verify the accuracy of the information in question, it must be deleted from my credit file. 

I request that you investigate this matter promptly and correct or remove the inaccurate information. Please provide me with written confirmation that the investigation has been completed and the necessary corrections have been made. 

I expect to receive a response within the XXXX timeframe, as required by the FCRA, confirming the removal or correction of the disputed information. 

Thank you for your prompt attention to this matter. I look forward to your response and to a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/year>, I was the victim of a scam involving someone who falsely claimed to be XXXX customer support. I was having trouble with a XXXX transfer and searched online for a support number. I unknowingly called a fraudulent number, and the individual on the call convinced me they were assisting with a Venmo-related issue. 

The person asked me to install a remote access app on my XXXX ( named XXXX ) and instructed me to log into my Bank of America and XXXX accounts while they were remotely connected. They then initiated XXXX unauthorized XXXX transfers from XXXX Bank of America account totaling approximately {$2900.00}. I was told this was part of a security verification process, but I now understand this was fraudulent. 

The scammer also had me call what I now believe was a spoofed Bank of America fraud number in order to approve the transfers under the guise of verifying my identity. 

I realized it was a scam after the transfers had already gone through. I immediately disconnected the device, turned on XXXX XXXX, and attempted to contact Bank of America and XXXX to report the fraud. 

I am requesting an investigation into these unauthorized transactions and seeking assistance in recovering the stolen funds.

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 2025-05-04 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: GA

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

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 2025-05-04 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ________________________________________ FORMAL NOTICE OF DISPUTE AND DEMAND FOR PERMANENT DELETION UNDER FCRA 1681c-2, 605B, and 1681i To : Experian P.O. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. Box XXXX, XXXX, GA XXXX TransUnion XXXX. XXXX XXXX, XXXX, PA XXXX ________________________________________ To Whom It May Concern : This communication serves as a formal notice of dispute, request for permanent blocking and deletion, and demand for immediate legal compliance with the Fair Credit Reporting Act ( FCRA ), including 15 U.S. Code 1681c-2, 1681c-605B, and 1681i. 
You are hereby notified that certain entries listed below are either : The direct result of identity theft or unauthorized activity, Reinserted without proper consumer notification and certification, or Inaccurate and unverifiable under federal law. 
Your failure to promptly correct or remove this information constitutes willful noncompliance and subjects your agency to federal regulatory penalties, statutory damages, and potential civil liability under 1681n and 1681o. 
________________________________________ DISPUTED ACCOUNTS TO BE IMMEDIATELY BLOCKED AND REMOVED : XXXX. XXXX Bank Account ending in XXXX Status : {$0.00} balance as of XX/XX/XXXX Issue : Reinserted or outdated information, no valid reporting purpose, requires full deletion. 
XXXX. XXXX XXXX XXXX Account ending in XXXX Balance : {$6000.00} Reported Date : XX/XX/XXXX Issue : Account tied to identity theft and/or erroneous assignment. Supporting evidence enclosed. Block under XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ________________________________________ FORMAL NOTICE OF DISPUTE AND DEMAND FOR PERMANENT DELETION UNDER FCRA 1681c-2, 605B, and 1681i To : Experian P.O. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. Box XXXX, XXXX, GA XXXX TransUnion XXXX. XXXX XXXX, XXXX, PA XXXX ________________________________________ To Whom It May Concern : This communication serves as a formal notice of dispute, request for permanent blocking and deletion, and demand for immediate legal compliance with the Fair Credit Reporting Act ( FCRA ), including 15 U.S. Code 1681c-2, 1681c-605B, and 1681i. 
You are hereby notified that certain entries listed below are either : The direct result of identity theft or unauthorized activity, Reinserted without proper consumer notification and certification, or Inaccurate and unverifiable under federal law. 
Your failure to promptly correct or remove this information constitutes willful noncompliance and subjects your agency to federal regulatory penalties, statutory damages, and potential civil liability under 1681n and 1681o. 
________________________________________ DISPUTED ACCOUNTS TO BE IMMEDIATELY BLOCKED AND REMOVED : XXXX. XXXX Bank Account ending in XXXX Status : {$0.00} balance as of XX/XX/XXXX Issue : Reinserted or outdated information, no valid reporting purpose, requires full deletion. 
XXXX. XXXX XXXX XXXX Account ending in XXXX Balance : {$6000.00} Reported Date : XX/XX/XXXX Issue : Account tied to identity theft and/or erroneous assignment. Supporting evidence enclosed. Block under 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 2025-05-04 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: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
Re : Dispute of Inaccurate Reporting Account Dear Bridgecrest XXXX Department, I am writing to dispute the accuracy and completeness of information you have furnished to the credit reporting agencies regarding my account referenced above. Upon reviewing my credit reports from XXXX XXXX XXXX XXXX, I have identified the following inconsistencies and inaccuracies : Inaccuracy As Reported Correct Information Account Type Reported as by XXXX XXXX XXXX ; Installment by XXXX This was a closed auto loan installment account. 

Delinquency Date Reported First missed payment is different across all three credit agencies Account Closing Date different across all three agencies Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s 2 ( a ) & ( b ), furnishers of information must report only accurate and complete data and must investigate and correct or delete any information once they receive notice of a dispute. Accordingly, I request that you : XXXX. XXXX a thorough reinvestigation of my Bridgecrest account. 

promptly delete the erroneous entries from all credit reporting agencies. 

XXXX. Provide me with written confirmation of your findings, the steps taken to correct ( or remove ) the information, and the dates on which you notified XXXX XXXX XXXX XXXX of these corrections. 



Please complete your reinvestigation within the XXXX day period mandated by the FCRA and furnish me with a written response. A Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: DE

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: PA

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 2025-05-04 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: SC

Complaint narrative:
In XX/XX/XXXX, I discovered several accounts on my credit report that I did not authorize. These accounts were opened without my knowledge and appear to be the result of identity theft. 

The fraudulent accounts include : XXXX XXXX Credit card Opened on XX/XX/XXXX XXXX XXXX Credit card Opened on XX/XX/XXXX XXXX XXXX Line of Credit Opened on XX/XX/XXXX XXXX XXXX, XXXX Line of Credit Opened on XX/XX/XXXX XXXX XXXX XXXX Charge Card Opened on XX/XX/XXXX XXXX XXXX Unsecured Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX card Opened on XX/XX/XXXX XXXX XXXX XXXX Unsecured Opened XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Card Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Credit card Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Credit card Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Unsecured Opened on XX/XX/XXXX Credit Central Unsecured Opened on XX/XX/XXXX XXXX Charge Card Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  Debt Buyer Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX These accounts were added to my credit report without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: SC

Complaint narrative:
In XX/XX/XXXX, I discovered several accounts on my credit report that I did not authorize. These accounts were opened without my knowledge and appear to be the result of identity theft. 

The fraudulent accounts include : XXXX XXXX Credit card Opened on XX/XX/XXXX XXXX XXXX Credit card Opened on XX/XX/XXXX XXXX XXXX Line of Credit Opened on XX/XX/XXXX XXXX XXXX, XXXX Line of Credit Opened on XX/XX/XXXX XXXX XXXX XXXX Charge Card Opened on XX/XX/XXXX XXXX XXXX Unsecured Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX card Opened on XX/XX/XXXX XXXX XXXX XXXX Unsecured Opened XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Card Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Credit card Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Credit card Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Unsecured Opened on XX/XX/XXXX Credit Central Unsecured Opened on XX/XX/XXXX XXXX Charge Card Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  Debt Buyer Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX These accounts were added to my credit report without my consent.

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 2025-05-04 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: IL

Complaint narrative:
I am filing this complaint because Experian is reporting inaccurate and unverifiable personal identifying information on my credit file, despite a formal dispute submitted in writing. 
Specifically, Experian continues to report the following inaccurate addresses and employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These identifiers are not associated with me and do not reflect my accurate personal information. I submitted a dispute including proof of my current address and government-issued identification, as required under FCRA XXXX ( a ) and XXXX ( a ), and requested immediate removal of these unverifiable records in compliance with FCRA and Metro 2 standards. 
Experian has failed to correct or delete the disputed data and has not provided sufficient verification of their continued reporting. 
This is a violation of the Fair Credit Reporting Act and has negatively impacted my ability to maintain an accurate and fair 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 explanation
Consumer complaint received 2025-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Accounts & Request for Explanation of Investigation To Whom It May Concern, I am writing to formally dispute the following accounts currently listed on my credit report. These accounts have already been investigated and removed by XXXX  after I provided evidence of inaccuracies : XXXX XXXX  ( 2 accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of any disputed information and remove or correct any information that is found to be inaccurate or unverifiable. Specifically, the FCRA states that credit reporting agencies must : conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file I request that you provide : 1. A clear explanation of the specific methods and steps taken during your investigation of these accounts ; 2. The name and contact information of any furnisher ( s ) you contacted during your investigation ; 3. A copy of any documentation you relied upon to verify these accounts.

Since XXXX  has already determined that these accounts were inaccurate and has removed them from my XXXX  credit report, I am requesting that you do the same for Experian / TransUnion. Please reinvestigate these accounts promptly and provide a detailed response within the 30-day period mandated by the FCRA. 

I have enclosed a copy of the XXXX confirmation letter for your reference. 

Thank you for your prompt attention to this matter. Please send your findings and confirmation of corrections to the address listed above. 

Sincerely, XXXX SSN ( last four digits ) : XXXX Date of Birth : XX/XX/1979

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