vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I had a XXXX dollar minimum payment due and they said it got returned by the bank which I dont know why it was XXXX dollars and I had more than XXXX dollars in my account and they went ahead and charged me XXXX dollars for it I called them and asked if they could waive it and they said they couldnt waive the fee

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 2025-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland Credit Management is trying to collect on a debt that was XXXX with my XXXX filed XXXX. XXXX  XXXX. They conveniently changed the " account open '' date on my credit report which took me longer to connect the dots. 
I called the number on the Midland Credit Management bill and they confirmed total and account number but said the account was opened in XXXX. That is not possible when I filed my bankruptcy using the SAME account number listed in XXXX. 
I have proof of my petiton ( the page that lists them as a listed unsecured creditor, notice of filing, and the bill. 
I also have an email between me and my attorney from XXXX where I noted I was still being contacted by them. If I opened the account in XXXX, why would they be mailing me collection efforts in XXXX? There is no way this particular account was opened in XXXX when I was emailing my attorney in XXXX and filed my petition in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: OR

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. XXXXi ( XXXX ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: NV

Complaint narrative:
I HAVE NO RECOLLECTION OF THIS ACCOUNT OR DEBT. I DO NOT OWE THIS DEBT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I requested that Service members Civil Relief Act ( SCRA ) benefits be applied to my newly added American Express account ( XXXX ), citing the Louisiana Provision Act that provides lending protections for active-duty servicemembers. I included current duty station orders confirming Louisiana residency. 

Additionally, I mentioned that I am already receiving SCRA benefits on another American Express account. 

Despite this, my request for SCRA relief was denied, and was instead enrolled in the Military Lending Act ( MLA ), which provides different benefits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nelnet, Inc.
State: KY

Complaint narrative:
XXXX XXXX and XXXX  illegally accessed my private information that was only supposed to be accessible by the XXXX Dept. Of Education. This information might have been sold, copied, stored, or otherwise used without my permission. This breach of my private information violates The Higher Education Act, The Privacy Act of XXXX. I request that you immediately discharge my student loan debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: MS

Complaint narrative:
I am writing to dispute the actions of True Accord CorpXXXX in violation of the Fair Debt Collection Practices Act ( FDCPA ), specialty under 15 usc XXXXc ( c ). I request your assistance in addressing this matter promptly. On XXXX I informed True Accord CorpXXXX that I refuse to pay the debt they are attempting to collect and to please stop contacting me. Despite this notification, True Accord CorpXXXX has continued to engage in communication with me regarding the debt. These communication have included phone calls, letters, emails, and etc. As per 15 XXXX 1692c ( c ) of the FDCPA, if a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease all communication with the consumer. True Accord CorpXXXX failure to adhere to this provision is a clear violation of my rights under the FDCPA.

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is my XXXX  FORMAL DISPUTE regarding inaccurate and incorrect personal information appearing on my credit file. My legal name is XXXX XXXX, my current and correct address is XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, and my current employer is XXXX XXXX XXXX XXXX. The continued misreporting of my personal information is a direct violation of the Fair Credit Reporting Act 15 U.S.C. XXXXc, which mandates that credit reporting agencies maintain accurate and up-to-date personal information. Since I have previously disputed this issue, your failure to correct these errors constitutes willful non-compliance under FCRA XXXX, making you liable for damages due to your continued negligence. Additionally, under FCRA XXXX, credit reporting agencies are legally required to conduct a full and proper reinvestigation to ensure that all reported information is correct. Your refusal to take action is a clear breach of federal law and a violation of the maximum possible accuracy standard required under the FCRA. I am demanding the IMMEDIATE CORRECTION of my personal information on my credit file. If you fail to resolve this matter without delay, I will escalate this issue through legal and regulatory channels to ensure compliance with the law. Provide written confirmation of the correction of my personal information immediately. This is your final opportunity to comply before I take further action.

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 2025-03-14 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: GA

Complaint narrative:
Under 15 USC XXXXi ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: CO

Complaint narrative:
XXXX XXXX, XXXX, and/or the XXXX XXXX XXXX , who do not have clearance to view my personal data, have viewed my student loan data and as a result have broken the contract regarding my federal student loans. At this point, my federal student loans must be forgiven in full in order to be in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: IL

Complaint narrative:
i have not supplied proof underXX/XX/XXXX XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) XX/XX/XXXXBALANCE {$19000.00}, XXXX XXXX BALANCE {$850.00}, XXXX XXXX BALANCE {$350.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: IL

Complaint narrative:
i have not supplied proof underXX/XX/XXXX XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) XX/XX/XXXXBALANCE {$19000.00}, XXXX XXXX BALANCE {$850.00}, XXXX XXXX BALANCE {$350.00}

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 2025-03-14 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: CA

Complaint narrative:
To whom it may concern, this is a complaint against Experian and Equifax. 

Subject : Dispute of Inaccurate Information and Violation of XXXX XXXX XXXX  XXXX ( Civil Liability for Negligence ) I am writing to formally dispute inaccurate and misleading information that appears on my credit report, as furnished by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This erroneous information has caused undue harm to my credit standing, and I believe that your organization has been negligent in ensuring compliance with the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXXXXXX XXXX XXXXXXXX. 

According to XXXX XXXX XXXX XXXX, any person or entity that negligently fails to comply with FCRA requirements is liable for damages sustained by the affected consumer. Your failure to properly investigate, verify, or correct this inaccurate information constitutes noncompliance, and I am requesting immediate corrective action. 

The inaccurate information in question : XXXX : Numerous accounts opened total of XXXX accounts, I only have one. It is also inaccurately reported to be late due to failure of the company to reach out. They are aware of this as well. This has tanked my credit score XXXX points. 

I am in good standing with XXXX and XXXX Credit card. I have been disputing these of my credit for months and it has not been properly been investigated. 



In accordance with the FCRA, I request that you : Conduct a proper investigation of the disputed information. 

Provide written confirmation of the steps taken to resolve this issue. 

Immediately remove or correct the inaccurate information if found to be unverifiable or incorrect. 

Provide a free updated copy of my credit report reflecting the corrections. 

Cease any further reporting of this erroneous information to third parties. 

Failure to comply with the FCRAs obligations may result in further legal action, including seeking statutory damages, attorneys fees, and any other applicable relief under the law. 

Please respond to this dispute in writing within the legally mandated timeframe of XXXX  days. I expect a formal confirmation of your compliance and the resolution of this matter by [ XXXX  days from todays date ]. 

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

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 2025-03-15 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: 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 XXXX XXXX XXXX. 


Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : Bankruptcy # XXXX Account Name : Bankruptcy # XXXX Account Name : Bankruptcy # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX - XX/XX/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 - XX/XX/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 explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Servicing Solutions, LLC
State: MI

Complaint narrative:
By turms of my account my business credit would only report if I was delinquent or in default and non of those terms are tru for my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The mistakes on my report are preventing me from accessing opportunities I should qualify for. Its incredibly frustrating to see my scores affected by errors that dont belong on my 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 non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 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 explanation
Consumer complaint received 2025-03-14 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 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 2025-03-15 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: IA

Complaint narrative:
I did not give permission for XXXX XXXX or DOGE to access my personal information in regards to my student loans. This is a breach is contract and wish to have my loans nullified to protect my identity against unauthorized personnel.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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:
I am writing to formally request Theo immediate removal of unauthorized inquiries on my credit report. I did not authorize and that were made without a permissible purpose as outlined under the Fair Credit Reporting act ( FCRA ) 15 U.S.C 1681b. 
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/year>

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

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 2025-03-15 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: CA

Complaint narrative:
In late XX/XX/XXXX XXXX declined my application for their credit card & I received my credit reports and created accounts with the credit agencies : TransUnion, XXXX XXXX XXXX. There were several accounts opened in my name. I followed all of the procedures- disputed fraudulent information, place fraud alerts, froze all accounts, filed a police report, opened account with ID-Theft.gov In this case, XXXX, I have written to them three times requesting that they : Reverse the fraudulent charges & close the fraudulent account, provide documentation showing the fraudulent activity has been cleared, ensure the negative information reported to the credit agencies is removed and provide a copy of the documentation used to open this account. 

The accounts that I fraudulent accounts were opened and used between XXXX and XXXX. XXXX charged-off this account and there was - and is - a lien placed on my property. 

As you will read, XXXX, gave very odd reasons for coming to the conclusion that " the account is valid '' & " you have accepted responsibility for this account '' & this is the most confusing " we mailed the credit card statements to this address and they were not returned '' I never received any statement from XXXX ( except when they mailed a large stack of statements showing where the money was being spent. ) As far as addresses go, I have been at my address and have never used another address for over ten years. I've included a page showing many addresses in my name and in trying to dispute them the credit agencies are unable to delete them because supposedly that is how I am doing business with the creditors.

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