vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: GA

Complaint narrative:
CFPB Complaint Summary XXXX XXXX Complainant : XXXX XXXX XXXX Servicer : University XXXX XXXX ( XXXX ) School : XXXX University Account Number : XXXX Date Range of Reported Late Payments : XX/XX/XXXX XX/XX/XXXX Complaint Description I am a student at XXXX University, and my XXXX loan serviced by University XXXX XXXX ( XXXX ) was reported with 120-day late payments from XX/XX/XXXX through XX/XX/XXXX. These late payments were reported in error. I was actively enrolled and attending classes during that entire period, and my account should have been in in-school deferment status.These inaccurate late payments have severely damaged my credit score and are now preventing me from qualifying for an FHA mortgage XXXX which is urgent for my familys housing needs.I have contacted XXXX University XXXX XXXX, and XXXX  multiple times and provided verification of my enrollment, but the late payments have not yet been corrected or removed. I also filed a XXXX  complaint and still have not received resolution.I am requesting that the CFPB assist in having : - The inaccurate late payments removed from my credit report- XXXX  and XXXX formally acknowledge and correct the reporting error- The credit bureaus update the reporting with a Rapid Rescore request from my mortgage lender Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: NJ

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR

Complaint narrative:
XXXX & XXXX received four phone calls. Two were hang ups. One said to call XXXX concerning a civil matter. Never mentions my name. XXXX call ( saved ) is just talks about banks, they are just the messenger and next Thursday. And call is sent from XXXX, XXXX. I attempted multiple times to call XXXX and get a busy signal. Even today no matter the day or time from my phone number will get a busy signal. Have to use an outside phone, which I then can get through. I text the XXXX and look up the number and it says XXXX. I email. And did get a return email from someone identifying themselves as an investigator. XXXX. I use a different phone and called XXXX at XXXX. Which went through. I had tried multiple times from my phone and just get a busy signal. He states we have tried multiple times to reach you at your old address and the mail was never returned therefore we are proceeding forward with court proceeding etc. 
Which could include a lien on your bank account and house. I ask for details of this account and he says they are not required to do so Since I was given notice. Although I did not live there. But it did say it was from HSBC and they last sent documents ( To my old address ) XXXX. But then he goes into possibly I could do a settlement if its done by Monday. Which I will include the letter sent. I go into the account, with the ID number sent and XXXX. It goes into the settlement I still do not recognize this debt I call HSBC directly with the number that is on the settlement offer claim. HSBC says they have no record of it- ( they searched using my name- social- old and new address also ) sent me over to XXXX XXXX as they keep their old archives. They have one on file that was sent to XXXX XXXX  from HSBC only. They also look using social- old- new address. I call XXXX XXXX and ask for anything they have with my name- social old or new address. Possible accounts sold etc. Especially if it concerned HSBC. They emailed me all documents including one that I had with them concerning HSBC that was paid off. Including the pay off letter. None showed sent off. I also during this call, email a lawyer of what has occurred. I then call XXXX  Secretary of State to verify XXXX  address that they have on their letter head and settlement agreement. Since I will also send a request of all documents from XXXX. Since HSBC states they have nothing. She states they have nothing with XXXX  at that address.Which is XXXX XXXX XXXX, XXXX, XXXX. XXXX Said settlement agreement also does not include my rights to dispute the debt. 
And as of today I still have nothing in writing to verify debt occurred and was never paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: Experian Information Solutions Inc.
State: FL

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 XXXX XXXXSC 1681.

The accounts below have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
lm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not please delete as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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:
My name is XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion, credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX, This accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-12 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: AZ

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, Experian, and Equifax.

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 2025-05-12 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: IL

Complaint narrative:
I am writing to formally dispute certain information in my credit file that has been reported by XXXX XXXX account number XXXX opened XX/XX/year> to the credit reporting agencies. Specifically, I am disputing one or more late payments reported on my account, which are inaccurate and illegal to report under 15 US 1666B.Experian is showing a late payment with inaccurate info about the amount owed on Equifax and Transunion it's showing a different amount being owed I'm asking for this account to be removed from all 3 credit bureaus asap or will be filing a lawsuit.

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 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I noticed this account on my credit report as a collection. I have never heard of this company nor any amount claimed owed. They were not able to provide a Forward Flow Agreement or Chain of Assignment. I would like to request this be removed. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weber & Olcese, PLC
State: TN

Complaint narrative:
Received a court summons from a different debt collector that is trying to take me to court for a debt they purchased from another debt collector. Have been trying to get the purchase agreement from them and have not been able to. When I called to ask for more information they say the person handling my account is not available. And then that person does not call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: AL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: NJ

Complaint narrative:
I am disputing inaccurate and inconsistent credit reporting from Continental Finance ( XXXX XXXX, issued by Celtic Bank ) on my account ending in XXXX. On XX/XX/year>, they reported a {$15.00} balance to XXXX, which is correct. On XX/XX/year>, they reported a {$160.00} balance to XXXX, which is incorrect and caused a negative impact on my credit score despite my on-time payments and low utilization. 

Additionally, my credit report states an annual fee of {$120.00}, but I was charged a {$150.00} annual fee and $ XXXX monthly maintenance fees, raising issues of misleading disclosures. 

I contacted Continental Finance but was disconnected after waiting on hold for over an hour. They do not provide a direct dispute line or email beyond a general support address. I am requesting immediate correction of the XXXX report and clarification of fee disclosures. 

Attach your PDF dispute letter to support your complaint.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-12 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: NY

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 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 2025-05-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
A Collection account was supposedly opened XX/XX/year> by a Jefferson Capital Systems , LLC claiming I owe them in the amount of {$170.00}. The reference number provided is # XXXX. Ive learned that sometimes the name I see is Jefferson Capital Systems XXXX XXXX XXXX. Ive also received numerous emails from XXXX different email address claiming to be this collector. I hadnt noticed any issues with my credit until I couldnt get approved for a card due to a collections account on my report. Ive disputed the debt/collections account more than once via XXXX XXXX XXXX XXXX luck and no communications from any party.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
Dear XXXX XXXX XXXX This letter is being sent to you in response to : Check XXXX ( XXXX ) - Notice sent to me on _ XXXX YES- Response to a listing on my Credit Report. 

Be advised this is NOT a refusal to pay but a notice sent pursuant to the FAIR DEBT Collection Practices Act 15 USC 1692g stating your claim is disputed and validation is requested. 

This is NOT a request for " verification '' or proof of my mailing address, but a request for XXXX made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( Equifax, Experian or TransUnion ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your offices are able to provide the proper documentation as requested in the following declaration, I will require at least 30 days to investigate this information during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
My name is XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX, A person loan account with XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with account number XXXX XXXX XXXX XXXX XXXXXXXX, and a balance of {$310.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief