vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: VA

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: DC

Complaint narrative:
On XX/XX/XXXX, I conducted a virtual urgent care visit with a medical provider. The medical bill was paid out of pocket on XX/XX/XXXX in the amount of {$120.00}. Attached to this complaint you will find : proof of payment, proof of cost, proof that this was my only visit with the provider. 

I was contacted on XX/XX/XXXX via text message by Receivables Management Partners , LLC regarding an alleged medical debt in the amount of {$110.00}. This was the first communication I received from the collection agency. It indicated the amount owed was originally {$230.00} as of XX/XX/XXXX and I had already paid {$120.00}. This is incorrect. I originally owed {$120.00} which I paid directly to the medical center out of pocket at the time services were provided. My account with the medical center confirms this. Records indicate only XXXX interaction resulting in a bill of {$120.00} and my account displays that this bill has been paid. I do not owe the debt they are attempting to collect. 

The original letter sent to me via text message said, " We accept disputes electronically at XXXX ''. I emailed a dispute letter to XXXX on XX/XX/XXXX. The dispute email said, " Hello, I am responding to your contact about collecting an alleged debt. You contacted me by text message, on XX/XX/XXXX and identified the alleged debt as a medical debt owed to XXXX XXXX - NY, with account number XXXX, in the amount of {$110.00}. You indicated the amount owed as of XX/XX/XXXX as {$230.00}. This is incorrect. Therefore, the amount you are seeking to collect is incorrect. The correct amount owed to XXXX XXXX - NY was paid in full. The reference number provided was XXXX. 

Please record this dispute. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you. '' Per consumer protection law and the original attachment to the text they sent me, " if you write to us by XX/XX/XXXX, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. '' No information was ever provided to me. No response was given to my email. 

However, I was contacted again via text message on XX/XX/XXXX regarding collection of this debt which I do not owe and which the company never provided documentation suggesting that I owe. 

I am requesting the immediate termination of my account as well as requesting the agency cease any and all attempts to collect this debt which I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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

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 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Opened account with XXXX bonus incentives, was told eighter direct deposit or maintain a XXXX balance in all three ( 3 ) linked accounts. 
Todate, the balance are confirmed by customer service representative, now they are semantically trying to say otherwise. 
talked with sooo many pnc representatives, yet they all have different understandings of the same banking products. this is exhausting banking, that's altered in a Lured lie.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-17 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: FL

Complaint narrative:
XX/XX/XXXX  CFPB Complaint : Greetings, XX/XX/2025 Ive sent Experian, TransUnion, and Equifax multiple disputesincluding validating duplicate conflicting data on all 3 bureaus reporting for XXXX XXXX on XX/XX/XXXX  with no explanation to verify either reporting occurrence. Need the accounts validated or deleted. 

XX/XX/2025 I disputed multiple accounts for verification of certificates of mailing. I did not receive any substantive proof. All the accounts are still on my report. I am following up with a ( MOV ) Method of Validation today XX/XX/XXXX XXXX I provided proof that XXXX XXXX could not verify the account to all 3 bureaus Equifax, Transunion and Experian and XXXX XXXX has still not been removed. Simultaneously I disputed the company XXXX XXXX XXXX in the same letter. No response from XXXX XXXX. 

XX/XX/2025 I sent an address update and requested removal of all outdated addresses based on Identity Theft prevention. I sent my Lease, ID and Bank Statement with all the EXACT same addresses. I still see all addresses on my report. Waiting for unofficial addresses to be removed. 

XX/XX/2025 I am submitting a ( MOV ) Method of Verification for the dispute I sent on XX/XX/XXXX  based on certificates of mailing and validation. Remedy is validate in 15 days or delete.

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 2025-07-17 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: VA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-17 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: DE

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintains on XX/XX/year>. I received a response stating that the accounts for exeter finance account # XXXX verified on XX/XX/scrub>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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintains on XX/XX/year>. I received a response stating that the accounts for exeter finance account # XXXX verified on XX/XX/scrub>XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$15000.00}

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 non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: PA

Complaint narrative:
The student loan payment adjustment count is missing 8 years ( XXXX ) of payments that were made ( XXXX payments missing from the current count ). I have the payment history that was provided to me by the servicer that managed the loan during the payment period in question ( XXXX XXXX ). I have been calling FedLoan, then Mohela and now the Federal Student Aid/Department of Education ( I have a spreadsheet with information on all my contacts ) trying to resolve this issue with no success. In XX/XX/year>, I was advised to submit a reconsideration request for the missing payments. I did submit for reconsideration in XX/XX/year> ( I have email acknowledging receipt ) and was advised that the usual time frame for this process would be 45 days, but that there might be a delay due to high volume or requests. I have been waiting for the outcome of the reconsideration since. During my last XXXX phone calls to FSA/Department of Education , I was told that the reconsideration appears active and that it was sent to the servicer. I have tried to call Mohela to get an update, but have been on hold for close to XXXX hours and have not been successful in reaching anyone. I am attaching to this complaint documents with the payment history for the time being reviewed, a list of the phone calls to servicers and FSA as well as a summary/overview of the student loan history. Please understand that this issue is preventing me from meeting the requirements for loan forgiveness under PSLF ( which I have exceeded ) or IDR ( XXXX payments away from reaching the XXXX payment requirement ).

Company response to consumer: Untimely response
Consumer complaint received 2025-07-17 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: VA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: WI

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$1500.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Complaint Against Unlawful Charges and Reporting to Credit Bureaus Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against [ Company Name ] for making unlawful charges and misreporting information to the credit bureaus, causing severe damage to my credit report and personal life.

Background : I initially owed {$850.00}, as confirmed by an email from the original creditor, which I still have as proof. However, [ Company Name ] has attempted to charge me nearly {$10000.00} without any legal justification, documentation, or explanation for the increase.

Issues : Unlawful Charges : The company has added unjustified fees, inflating my debt to an amount far beyond the original balance. They have not provided proper documentation or verification for this increase.

Harassment : I have received multiple threatening and intimidating emails from them, stating they will report me to the credit bureaus and take legal action.

Failure to Correct : Despite my disputes and requests for clarification, the company has not responded appropriately or corrected the information in a timely manner.

Damage to Credit : The false charges and report to the credit bureaus have caused significant harm to my credit score and personal financial situation.

I am requesting your immediate assistance in investigating this matter and ensuring that the unlawful charges and reporting are removed from my credit report. I also ask for an official confirmation that the company has ceased all further contact and the false information is corrected.

Supporting Evidence : 1. Email from the original creditor confirming the {$850.00} debt.

2. Copies of the threatening emails received from [ Company Name ].

3. A copy of my credit report showing the inaccurate reporting.

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: AZ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
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 2025-07-17 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: FL

Complaint narrative:
Same as explained below. 

I am filing a complaint against Experian Information Solutions , Inc. for multiple errors on my credit report, which I recently discovered and which are not reported by TransUnion or Equifax. Specifically : XXXX XXXX : An unauthorized XXXX account appears on my Experian report. I have no signed contract or personal obligation for this debt, and it should not be reported. 

XXXX XXXX : My Experian report shows a XXXX late payment for a XXXX lease XXXX which was paid in full and bought out as agreed. This is inaccurate and should be removed. 
XXXX XXXX : My Experian report shows a XXXX late payment for a XXXX lease XXXX which was also paid in full and bought out as agreed. This is incorrect and should be removed. 

These errors are unique to Experian and have not been corrected despite my efforts. I request that Experian immediately : Remove the XXXX account from my report, as it is not mine. 
Correct the XXXX and XXXX lease payment histories to reflect no late payments, as both were paid in full. 
Provide written confirmation and an updated credit report showing these corrections. 

I expect these issues to be resolved within 30 days to prevent further harm to my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation