vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: TX

Complaint narrative:
About XX/XX/XXXX I started an account with XXXX. They messed up the way the account was set up and told me they made an error so the XXXX I already got from them would need to be sent back AFTER they sent me a new one. After some time, I received the replacement XXXX. I packed up the device and shipped it back to XXXX. I called them several times asking if they had received the device. On XX/XX/XXXX, I received an email from XXXX stating I hadn't sent the device back. I spoke with XXXX on the phone and asked them to find it. They escalated to the receiving warehouse where they said they would get back to me. XX/XX/XXXX after additional calls, I got an email from them stating, Hi XXXX, XXXX received the XXXX XXXX XXXX equipment that you returned, so you will not be charged back for that equipment. '' They also included the exact ID associated with the XXXX. I thought this was settled. MANY months later, I received notification through an Identity Protection agency that XXXX XXXX  had filed collections against me. This is the conversation : Went to collections XXXX XXXX, XXXX and they told me I could pay {$230.00}. I explained that they confirmed receipt and the collections was due to XXXX mistake. They then said I could pay ~ {$110.00} or file a dispute. I told him I would file a dispute. This is that dispute. ( I also gave them ALL of the details including account info, device IDs, etc ) If this mistake by XXXX causing a debt issue is not deleted and removed from all Credit Bureaus within 30 days from todays date Or if anyone disputes my dispute Or if I do not receive a response within 30 days My attorney will be filing a lawsuit against the appropriate parties. 
XXXX XXXX said they would let XXXX know, but that they would not send any communication to me whether the dispute was received, completed or rejected. I got no response whatsoever. 
Several months later, I get a text from MB & W another collections request for the same XXXX issue. After I explained to them the situation up to that point, they asked if I wanted to pay some money to them, to which I stated, this is a dispute and XXXX is not correct. I sent them a formal dispute through their email address on XX/XX/XXXX to Dispute - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  Their text was from XXXX stating there was a debt collector by the name of McCarthy Burgess & Wolff. 

When I called MB & W at a time later, they did indicated that they got my dispute, but still nothing has been resolved. XXXX will not let me deal with them directly and is keeping me at arms length with these collection companies, so I need to ensure that these companies quit coming after me with these false claims. I just need this to stop and these companies need to create better practices of notification and confirmation directly to the consumer. XXXX is at fault as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I have collections on my credit report from accounts that I never opened and I have no clue about I genuinely believe they are a result of identity theft because I know I am not the one who opened the accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
According to the FRCA laws I did not receive a 1099C from this creditor the account says charge off, written off and late payments, they have written this account off as a profit loss., I wanted a copy to my 1099C and they have not presented it to me this is considered as fraud, and I want this account removed off my credit report immediately. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: NJ

Complaint narrative:
Subject : Request for Assistance in XXXX XXXX Credit Report XXXXation Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in correcting inaccurate and outdated information that appears on my credit report. Despite my repeated attempts to resolve this matter directly with the credit reporting agencies, the issues remain unaddressed.

Upon reviewing my credit report, I discovered that it lists several addresses that are not, and have never been, associated with me. These include : XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NJ These addresses are incorrect and should be removed from my credit file immediately. 

The only accurate and current address that should appear on my credit report is : XXXX XXXX XXXX, XXXX, NJ XXXX I have attached proof of my current address to facilitate your review and correction of this information. 

Additionally, I am requesting the removal of the extended fraud alert currently placed on my credit file. I also ask that any accounts that were linked to or resulted from this alert be reviewed and removed if found to be inaccurate or fraudulent. 

Please provide me with an updated copy of my credit report reflecting the corrections once they have been made. 

Thank you for your attention to this matter. I appreciate your help in ensuring the accuracy and integrity of my credit information. 

Sincerely, XXXX XXXX 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 2025-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I paid off my student loans in XXXX The Department of education/aidvantage keeps asking me for money. I had contacted a representative at aidvantage letting them know that I have documentation from the bank and they had made an error. Whoever I spoke with said that they would look into it, but aidvantage is still asking me for money and ruining my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: TX

Complaint narrative:
I am submitting this complaint regarding one account reported by XXXX XXXX XXXX to Experian and Equifax. I previously disputed this account with both credit bureaus and requested an investigation and deletion if unverifiable, in line with FCRA 1681i and Metro 2 reporting standards.

Account details disputed : Date opened : XX/XX/XXXX Reported balance : Experian : {$660.00} Equifax : {$610.00} High balance : {$1000.00} Status : Experian : Closed Collection or charge-off Equifax : Open 90 days late Date of last activity : Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Last reported : Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Payment info : No payments listed, no payment validation provided Dispute reason : The balance, account status, and last activity dates differ between Experian and Equifax, which reflects inconsistent and inaccurate reporting.

Experian reports this account as charged-off and closed, while Equifax shows it as open and 90 days late. These designations can not both be correct.

I have not received any documentation proving that I owe the reported amounts.

There has been no verification provided to support the derogatory labels placed on this account.

The information reported lacks transparency and supporting documentation, as required by law. 

I disputed this account with both bureaus and requested that XXXX XXXX XXXX validate the data. To date, no supporting evidence has been produced. 

This account is negatively impacting my credit profile and may be misleading to potential lenders.

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 2025-04-11 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: GA

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. 

XXXX 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2025-04-11 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
The family educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This is a clear violation of FERPA and your responsibility to safeguard my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
Because of maintenance on the web site for the credit card, I twice made duplicate payments in the total amount of {$2200.00}. On both occasions, the site indicated that a payment had not been made, and no payment was in process, so I initiated payments. In both cases, payments had already been made. In one case, the site indicated that the payment had been made but canceled. In the other instance, the site indicated no payment was initiated, in process, or in the history. In both cases, the payment was debited from my checking account twice. I called immediately and have called back several times. Every time I have called since the initial call, I have been told checks were mailed to refund the amount. Every time I have been given a different date, and I have been told that I would receive the check in 7-10 business days. It's been 13 business days from my initial call. Yesterday I was told the checks were mailed on the XXXX. Today I was first told that the checks were mailed yesterday. Then I was told the checks were mailed today. My balance still shows XXXX XXXXXXXX, which tells me nothing has even been cut.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX 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 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 2025-04-11 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 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 2025-04-11 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: TX

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of an account by XXXX XXXXXXXX XXXX XXXXXXXX to both XXXX and Experian. I have previously submitted formal disputes to both credit bureaus and requested that they delete the account if it can not be verified in accordance with FCRA 1681i and Metro 2 standards.

Despite this, the account remains on my credit reports with contradictory and unverified information. 

Disputed Account Details : Creditor : XXXX XXXX XXXX  XXXX. 

Original balance : {$4800.00} Current balance : {$0.00} Account type : Installment Educational loan Date opened : XX/XX/XXXX Date of last activity : XX/XX/XXXX Last verified : XX/XX/XXXX Reported Status : XXXX : Closed Charged off Experian : Transferred Charged off Remarks ( Experian ) : Unpaid balance reported as a loss by credit grantor Remarks ( XXXX ) : Charged off account Dispute Summary : The reported status is contradictory across XXXX and Experian ( Closed vs. Transferred ). 

The balance is shown as {$0.00}, yet the account is still reported as charged off, which is misleading and possibly inaccurate. 

No documentation has been provided showing how this status was verified. 

XXXX XXXX has not produced evidence of a permissible purpose, nor has either bureau shown that a proper investigation was completed. 

There is no payment history or clear record explaining the {$0.00} balance and charge-off label. 

I dispute the accuracy, format, and legitimacy of this accounts reporting. It continues to negatively affect my creditworthiness without proper justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: NJ

Complaint narrative:
For some reason, your company appears multiple times in the inquiry section of my credit report, and I dont recall ever giving permission for that. I havent reached out to you or requested anything, so these inquiries make no sense to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, FL XXXX CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

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 2025-04-11 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: MA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are legally required to report only accurate and verifiable information. Given the federal dissolution of the agency responsible for these loans, the chain of custody legal authority, and servicing legitimacy of these accounts are in question. There is no verified entity authorized to validate, collect, or report these debts.

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 2025-04-11 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: IN

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 2025-04-11 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: PA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation