vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: P&B Capital Group, LLC
State: NJ

Complaint narrative:
A company called P and B Capital called me twice about a debt I owe to a company called XXXX. The representative left two voicemail messages which I saved. The voicemail messages appeared to be harassing and threatening Insinuating that I knew what he was talking about and saying that I received information in the mail Which I dont remember receiving He claimed that. I knew what he was talking and he questioned why I never responded to the correspondence that was allegedly mailed to me One of his statements in one of the voicemails was Im sure you know what Im talking about but you failed to respond for whatever reason Which is not true. 
He stated that I failed to respond He then said that since I allegedly failed to respond he would have to make a difficult decision by Thursday He suggested that we come to an arrangement to which I suggested that I could pay {$100.00} a month since Im on a fixed income He then said that I can keep my {$100.00} suggest that it was enough. He also threatened that I could have my wages garnished

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

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 explanation
Consumer complaint received 2025-03-19 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: CA

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
This loan was taken out in 2013, and it still shows on my report as current like I opened it last year, and when I tried to call to fix the account they claimed they couldn't find my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/year>2025, at approximately XXXX XXXX  EST, I was contacted by someone pretending to be a Navy Federal agent. The person called using a spoofed Navy Federal number and claimed to be part of the fraud department. They informed me that they were reviewing pending transactions in my account and began discussing details that seemed legitimate. I received notifications directly from the Navy Federal app, not via email or phone messages, which led me to believe the call was genuine. These notifications directed me to log in to my account.

Upon logging in, I found that my funds were not visible and appeared to be gone. The person on the other end of the line, whom I believed to be a Navy Federal agent, told me my account had been locked due to unauthorized logins. I was reassured that the situation was under control and that all issues would be resolved. However, with the little control I had I checked my account further, I saw that several unauthorized devices were logged in, and I was informed that a loan had been taken out using my information. 

At this point, I was kicked out & unable to regain control of my account and was told that in order to retrieve my funds, I needed to send money via XXXX XXXX. Trusting that this was part of a legitimate process & that I had a empty bank account anyways I complied. 

The scammer then abruptly ended the call at XXXX XXXX  EST, and I immediately called the same number, reaching the Navy Federal automated system. I asked to speak to a representative, explained the entire situation, and requested assistance in securing my account. The representative helped me regain access and filed a fraud report. The following day, I also filed a police report ( XXXX ) at approximately XXXX XXXX. 

Despite both the police and Navy Federal investigating the incident, I was ultimately informed that my fraud claim of XXXX $ had been denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-03-19 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: GA

Complaint narrative:
On XX/XX/XXXX 2025, I became aware that my personally identifiable student loan information had been accessed and disclosed without my consent. News reports and legal documents confirmed that the U.S. Department of Education had allowed unauthorized access to student loan records by the Department of Government Efficiency ( DOGE ). 

According to The XXXX XXXX XXXX ( XXXX  : XXXX ) and XXXX  XXXX XXXX XXXX XXXX : XXXX ), DOGE personnel, who are neither authorized student loan servicers nor approved third-party vendors, accessed sensitive borrower information under the guise of a " government efficiency review. '' Additionally, University XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX  : XXXX ) alleges that the Department of Education unlawfully shared student loan data, violating the Privacy Act of 1974 and the Internal Revenue Code. A federal judge has since issued a temporary order preventing DOGE from further access to this data. 

Despite these reports, I have received no direct communication from my loan servicer or the Department of Education acknowledging the breach. I am deeply concerned that my personal and financial information was compromised without my consent, potentially exposing me to identity theft and financial fraud. 

Given the severity of this violation, I request an immediate investigation into how my data was accessed and who was responsible. Furthermore, as restitution for this breach, I am requesting full student loan forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: SC

Complaint narrative:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) - Billing Error ) Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NV

Complaint narrative:
I was notified in XX/XX/year>2024 to start paying for my loan. I paid every month up to XXXX but my payments kept being " returned. '' I called EduFinancial Services and the lady said that it was my bank 's fault because nothing is showing up on their end and that it was probably because I didn't connect to my bank but did my card. On EdFinancial, there is no option to link a card but only the bank, and when I called my bank ( XXXX ) they said they didn't see any charges for the past 3 months or so, being charged to me. Now, its at 90 days delinquency, interest keeps accruing and they're trying to ruin my credit even though I have proof of me paying my loan for the past 3-4 months with them constantly denying my finances. I've even tried switching banks and savings to checking. They aren't providing any assistance in this matter. It also isn't fair that I get payment confirmations but when they don't go through I don't receive any emails or notifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: MI

Complaint narrative:
XXXX XXXX has repeatedly violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to correct or remove inaccurate information from my credit report. Despite multiple disputes, they continue to report my co-signed account ( Account # XXXX, XXXX   XXXX XXXX XXXX ) as an individual account, which is false and misleading. 

This ongoing inaccurate reporting violates : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) : Obligation to ensure accurate reporting.

15 U.S. Code 1681i : Requirement to investigate and correct errors.

15 U.S. Code 1681e ( b ) : Duty to maintain maximum possible accuracy.

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 2025-03-19 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: MI

Complaint narrative:
XXXX XXXX has repeatedly violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to correct or remove inaccurate information from my credit report. Despite multiple disputes, they continue to report my co-signed account ( Account # XXXX, XXXX  XXXX XXXX XXXX ) as an individual account, which is false and misleading. 

This ongoing inaccurate reporting violates : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) : Obligation to ensure accurate reporting.

15 U.S. Code 1681i : Requirement to investigate and correct errors.

15 U.S. Code 1681e ( b ) : Duty to maintain maximum possible accuracy.

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 2025-03-19 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: NY

Complaint narrative:
I am writing to formally dispute the inaccurate late payment records reported on my credit report. Pursuant to 15 U.S.C. 1666b of the Fair Credit Billing Act ( FCBA ), I previously disputed these erroneous late payment entries with your bureau. However, you have failed to correct them, violating my rights as a consumer. Additionally, under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputes within 30 days and ensure the accuracy of the reported data. Your failure to resolve this matter within the required timeframe constitutes non-compliance with federal law.

Disputed Billing Errors XXXX XXXX XXXX XXXX XXXX Reported late payments : 2 times 30 days, 2 times 60 days, 5 times 90 days late Error : Payments were made on time, and late fees were assessed incorrectly. 

XXXX XXXX Reported late payments : 8 times 30 days, 3 times 60 days late ( Experian )/ 7 times 30 days, 3 times 60 days late ( XXXX XXXX XXXX ) Error : Account was in dispute, and no late payment should have been reported under 15 U.S.C. 1666a. 

XXXX XXXX XXXX XXXX late payments : 3 times 30 days, XXXX time 60 days late ( Experian, XXXX, XXXX ) Error : The creditor failed to provide proper billing statements before marking the account late. 

XXXX XXXX, XXXX Reported late payment : XXXX time 60 days late ( XXXX XXXX XXXX ) Error : Late payment reported in error, despite account closure and compliance with payment terms. 



Under 15 U.S.C. 1666b, a creditor can not report delinquency for amounts in dispute, and they must correct any billing errors after proper notice. The law states : A creditor ( A ) may not report to a credit reporting agency that an amount or account is delinquent because the amount due is in dispute, unless the creditor has complied with the requirements of this section and the billing error has been resolved. ( B ) If a creditor fails to comply with the requirements, the disputed amount shall be treated as a billing error and must be corrected immediately.

Furthermore, 15 U.S.C. 1681i ( FCRA ) requires credit bureaus to conduct a proper reinvestigation of disputed information within 30 days. Since you failed to investigate or correct these errors within the legally mandated timeframe, I am requesting the immediate removal of all inaccurate late payments and derogatory marks from my credit report.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo account ending in XXXX still shows on Credit Bureau Reports. This accounts Date of First Delinquency was back in XX/XX/XXXX. The delinquency and payment balance grew further through XXXX, XXXX, XXXX, XXXX, and XXXX. The account was ( XXXX ) closed around XXXX or XXXX of XXXX. The payment balance was never paid full and the account was Charged Off to settlement company. Later I settled and paid as per agreement. Since the ( XXXX  ) date of first delinquency was back in XX/XX/XXXX, I believe should account and status should now fall off my credit bureau reports ( FCRA Rules ). This affects my financial goals moving forward.

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 2025-03-19 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:
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 non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AES/PHEAA
State: IN

Complaint narrative:
I requested a student loan in XXXX. I began paying in XXXX or XXXX. When reviewing my account my loan was originally for XXXX but my loan had accrued interest into XXXX. I have since had to deal with a debt collector XXXX XXXX XXXX  on behalf of XXXX. The loan was sold by XXXX XXXX XXXXXXXX to XXXX XXXX and then to national collegiate trust. In the process of all the different companies taking over interest grew exponentially without explanation. XXXX and XXXX XXXX contacted multiple family members and told them I would go to jail if I did not pay. They left messages at my work for me to contact them. Left affidavits taped to my door saying that they were served to me. I did not receive court documents or information until the day of court or after court had happened and was unable to defend myself. The debt collectors threatened to tell my employers and would call all times of day and night. I currently have a judgment on the case and was never informed of court dates to speak on my behalf. My wages are garnished and the judgment was unfair and allows interest to still be accrued. I have payments coming out of my account in the amount of {$240.00} every two weeks. This debt has been paid in full from what I had originally borrowed. The remainder debt is what has accrued in interest. Please look into my case as I feel the remaining debt and judgement is unfair. The debtor also used unfair practices in debt collection by calling my family and employer multiple times a day and telling them what the call was in regards to. Calls were also made passed the time allowed by debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
l am disputing the collection account listed below due to inaccuracies and failure to meet XXXX XXXX compliance standards : The account contains errors in its reporting, including inconsistent or unverifiable information such as the Date of Last Activity ( DOLA ). Under the Fair Credit Reporting Act ( FCRA ), I request an investigation and removal of this account if it can not be verified.

Company response to consumer: Closed with explanation