vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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: TN

Complaint narrative:
XX/XX/year>XXXX  I called and spoke with a representative at experian and advised them to update my personal information as well as my account information. The representative stated to me that I would get a response within 24 to 48 hours the information that I was requesting was for them to update account information such as late payments on my account being that all of my accounts have been paid on time also Experian not properly investigating my consumer dispute despite them having a lawsuit out with the CFPB for the same matter I need this issue resolved as soon as possible. Experian needs to send information verifying the late payment and if they can not do so within 14 days, the late payments need to be updated on my credit profile to paid on time and never late. Because I have gotten back the report and the information had not been updated personal information or the account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: AZ

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 XXXX 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 non-monetary relief
Consumer complaint received 2025-03-20 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX BANK # XXXX XX/XX/XXXX -- {$1100.00} XXXX XXXX BANK XXXX XXXX XXXX XX/XX/XXXX -- {$4400.00} XXXX CARD # XXXX XX/XX/XXXX -- {$4800.00}

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 2025-03-21 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: NJ

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX XXXX Owed : {$4700.00} Charged off XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$870.00} Charged off XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX  XXXX **** Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX CARD XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Collection Inquiries in Dispute : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: NJ

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX XXXX Owed : {$4700.00} Charged off XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$870.00} Charged off XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX  XXXX **** Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX CARD XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Collection Inquiries in Dispute : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2025-03-20 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: TX

Complaint narrative:
I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor. 

Charge Off XXXX XXXX XXXX {$280.00} Date Open : XX/XX/XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$3300.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX {$760.00} Date Open : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX {$720.00} Date Open : XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX {$1000.00} Date Open : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX {$640.00} Date Open : XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-03-20 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: EdFinancial Services
State: NM

Complaint narrative:
My student loan servicer, Edfinancial, has made an error on my repayment plan. I am registered for the XXXX year extended repayment plan, which they have me correctly " assigned '' to. However, the repayment terms are for XXXX years, which means the repayment amounts are calculated for XXXX  years and are almost double the correct amount. 

It's a confusing problem that their customer service has been unable to correct. I have contacted them multiple times via email, phone, and XXXX complaint. They keep giving me a canned response and refuse to review either XXXX an amortization schedule or XXXX. the printable account information from their system that shows my loans will be paid off in XXXX years instead of XXXX. I have explained that the XXXX student loan repayment calculator estimates my payments around ~ {$290.00} vs the {$490.00} they are charging me. 

I have requested the XXXX complaint be elevated to the Ombudsman group, but that doesn't happen because the complaint gets closed by Edfinancial each time. 

Please please please review the attached plan information that EDFinancial refuses to acknowledge. Note that the scheduled end date is XXXX/XXXXXXXX for loans XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: PA

Complaint narrative:
I am writing to formally dispute the following fraudulent accounts and inquiries that appear on my credit report. These entries were added without my authorization and are directly linked to identity theft and potential data breaches. As a victim of identity theft, I am asserting my rights under federal law to have these inaccurate and fraudulent accounts and inquiries removed immediately.

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 2025-03-20 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: Nav Technologies, Inc.
State: AZ

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX NAV TECHNOLOGIES, INC XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT XXXX XXXX XXXX : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to XXXX XXXX. XXXX. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to XXXX years of imprisonment, in addition to civil liability. 

By obtaining my CREDIT BUREAU consumer report on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C XXXXb ( a ) XXXX ( f ) ( i ). 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. XXXX ) I have not initiated any transaction with NAV TECHNOLIGIES, INC. Furthermore, I do not have an account under 15 U.S.C. XXXX ( XXXX ) with NAV TECHNOLOGIES , INC. for review or collection. 

Pursuant to 15U.S.C. XXXXn ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under XXXX XXXX, imprisoned for not more than XXXX years, or both. 

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$15000.00} pursuant to FCRA XXXX ( a ) ( XXXX ) ( B ) [ 15 U.S.C. XXXXn ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$15000.00} within XXXX ( XXXX ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$15000.00}. 

Send payment immediately via Certified Funds to : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I sent a XXXX to this company because they said I owe a debt. Under the Fair Debt Collection Practices Act ( 15U.S.C. XXXXg ), I was requesting validation of the debt but they sent me nothing what I was requesting. 
Im not recognized this debt even the company they said I've never make any agreement. 
And doesn't appear on my credit report the company what they've mentioned. 

Im attaching documents that proof about what I said... Thanks ahead and please I hope this problem has any way out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: MI

Complaint narrative:
A fraud XXXX XXXXXXXX Account was made in my name, phone number, address, and email. That account was used to then purchase an XXXX XXXX using my debit card number ( debit card was in my possession, physical card not stolen ). Attempted to do it XXXX but the XXXX purchase was flagged as fraud. This was an online purchase and picked up in person with pick up person as myself ( though I did not make this purchase ). PNC was notified of fraud, debit card was cancelled. Claim was declined stating that the Merchant provided documentation to support No Fraud. Have requested that information and I am still waiting for it. Resubmitted the fraud claim as I did not make this purchase. Police report has been filed. An open investigation is currently taking place. Credit bureaus have been notified. XXXX XXXX has declined any responsibility due to the bank releasing the funds. PNC denies responsibility and claims that they are under federal regulations for the investigation and all information XXXX XXXX provided does not show fraud. PNC recommends I go after XXXX XXXX. XXXX XXXX recommends I go after PNC. XXXX claim for the same fraud has verbally been denied by PNC, no official letter received in mail as of XXXX XXXX 2025.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-20 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX and the three credit reporting agencies ( XXXX, XXXX, and TransUnion ) for multiple violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ).

Issues Identified : Inaccurate Reporting : The same account is reporting different balances, charge-off statuses, and dates across bureaus. This violates FCRA 15 U.S.C 1681s-2 ( a ) ( 1 ) as all furnished information must be complete and accurate.

Re-Aging of Debt : The account 's date of first delinquency ( DOFD ) has changed, which artificially extends the reporting period beyond the legal limit.

Multiple Charge-Offs : A creditor can not report continuous charge-offs month after month, inflating derogatory impacts unfairly.

Failure to Validate Debt : Under FDCPA 15 U.S.C 1692g, the furnisher must provide proof of a valid contract before collection or reporting. No such documentation was provided.

No Required Notice : I never received a written notice before this derogatory remark was placed on my credit report, violating FCRA 15 U.S.C 1681s-2 ( a ) ( 7 ).

Illegal Collection After Charge-Off : If this debt was charged off and used as a tax deduction, any further collection or reporting is unlawful.

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 2025-03-21 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: PA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX and the three credit reporting agencies ( XXXX, XXXX, and TransUnion ) for multiple violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ).

Issues Identified : Inaccurate Reporting : The same account is reporting different balances, charge-off statuses, and dates across bureaus. This violates FCRA 15 U.S.C 1681s-2 ( a ) ( 1 ) as all furnished information must be complete and accurate.

Re-Aging of Debt : The account 's date of first delinquency ( DOFD ) has changed, which artificially extends the reporting period beyond the legal limit.

Multiple Charge-Offs : A creditor can not report continuous charge-offs month after month, inflating derogatory impacts unfairly.

Failure to Validate Debt : Under FDCPA 15 U.S.C 1692g, the furnisher must provide proof of a valid contract before collection or reporting. No such documentation was provided.

No Required Notice : I never received a written notice before this derogatory remark was placed on my credit report, violating FCRA 15 U.S.C 1681s-2 ( a ) ( 7 ).

Illegal Collection After Charge-Off : If this debt was charged off and used as a tax deduction, any further collection or reporting is unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim XXXX XXXXXXXX XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX ( b ) ( 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