vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 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: FL

Complaint narrative:
I attempted to resolve with them and credit bureaus several times. XXXX engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. They didn't even have my correct address. I advised this is most likely related to Equifax data breach. 

I demand these companies to delete these accounts from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.

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 2025-03-30 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: FL

Complaint narrative:
I attempted to resolve with them and credit bureaus several times. XXXX engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. They didn't even have my correct address. I advised this is most likely related to XXXX data breach. 

I demand these companies to delete these accounts from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.

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 2025-03-30 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXXXXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX XXXX has violated my rights.I looked at my EQUIFAX credit report on XX/XX/year> and noticed somethings are incomplete and not accurate, and according to the fair credit act whenever a consumer reporting agency prepares a consumer report it shall reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: LA

Complaint narrative:
On XX/XX/year> a collection named Ability Recovery Services LLC have reported a collection on my account in the amount of {$540.00}. I have no idea where this collection come from Im a victim of identity fraud and have reported 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 2025-03-30 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: Nelnet, Inc.
State: WI

Complaint narrative:
At least XXXX  years ago or more I spoke to someone over the phone and as it turns out the company obtained my information without my consent. I have never worked with this company or signed any agreements for loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: NJ

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 # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX XXXX has violated my rights.I looked at my EXPERIAN credit report on XX/XX/year>2025 and noticed somethings are incomplete and not accurate, and according to the fair credit act whenever a consumer reporting agency prepares a consumer report it shall reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX XXXX ( b ). 

And according to the fair credit reporting act 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 according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the 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. 

and according to XXXX XXXX XXXX they are suppose to 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2025-03-30 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: FL

Complaint narrative:
This company did not have my correct information including address. I have attempted to resolve this matter directly with the creditor and the credit bureaus for several months. This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b XXXX XXXX was charged off as of ( XX/XX/scrub> 2023 ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 
have been reporting multiple inaccuracies on this account, which is a blatant and unacceptable violation of the Fair Credit Reporting Act ( FCRA ). Additionally, you are in violation of 15 U.S.

Code 1681b - Permissible Purposes of Consumer Reports, which clearly states : ( a ) In General : A consumer reporting agency may furnish a consumer report only under the following circumstances : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I demand the late payments to be removed off of these accounts from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.

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 2025-03-30 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: FL

Complaint narrative:
This company did not have my correct information including address. I have attempted to resolve this matter directly with the creditor and the credit bureaus for several months. This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b XXXX XXXX was charged off as of ( XX/XX/2023 ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 
have been reporting multiple inaccuracies on this account, which is a blatant and unacceptable violation of the Fair Credit Reporting Act ( FCRA ). Additionally, you are in violation of 15 U.S.

Code 1681b - Permissible Purposes of Consumer Reports, which clearly states : ( a ) In General : A consumer reporting agency may furnish a consumer report only under the following circumstances : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I demand the late payments to be removed off of these accounts from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.

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 2025-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I have this PNC checking account, I thought it was a {$0.00} balance account as recently I changed the account type, but I am fed up of the emails I receive of the low balance, I decided to close the account, I called in the close the account, even sent a message on their app, still I am receiving email everyday that the account has a low balance, I don't know why PNC doesn't go ahead and close the account. 

I already took out all the money from the account and it is XXXX balance right now, so please close the account Close all the accounts in PNC Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Oliphant United, Inc.
State: PA

Complaint narrative:
You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Nun # ), has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions. 15 U.S.

C 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
On XX/XX/year>2020 a collection was add to my credit report. From a collection named NCA in the amount of {$380.00}. I have no idea where this collection came from. I also previously reported this collection and it wasnt successfully removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In early XXXX, I discovered that Synchrony Bank was reporting a charged-off account ( XXXX XXXX XXXX XXXX with a balance of {$10000.00} on my credit report. On XX/XX/XXXX, Synchrony responded to a prior CFPB case, stating that they charged off the account on XX/XX/XXXX, and issued a 1099-C in XX/XX/XXXX, indicating that the debt was canceled. 

However, I had previously requested proper validation of this debt, including documentation with my legal signature. The alleged debt was sold to XXXX XXXX XXXX, who filed a legal case against me. The case was later dismissed due to their failure to provide sufficient validation of the debt. XXXX later confirmed they no longer represented Synchrony in this matter. 

On XX/XX/XXXX I sent a certified letter to Synchrony Bank XXXX XXXX XXXX, Attn : XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX demanding the immediate removal of this account from my credit report due to the lack of proper validation, the dismissal of the legal case, and the cancellation of the debt as indicated by the 1099-C form. As of today, I have not received any response or resolution from Synchrony Bank. 

This inaccurate reporting is severely damaging my credit score and directly impacting my ability to secure a mortgage. I am currently XXXX XXXX XXXX and in the process of purchasing a home, so this matter is extremely urgent. 

I am requesting that this charged-off account be removed from all credit bureau reports immediately, as required under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), due to lack of legal validation and the issuance of a 1099-C.

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 2025-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am being financially harmed due to an account that was created through identity theft by a company.. I have informed them credit reporting agencies, but they are failing to comply, investigate and send me documentation as to why they are keeping this on my credit file without any evidence.

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 2025-03-30 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: SC

Complaint narrative:
I am being financially harmed due to an account that was created through identity theft by a company.. I have informed them credit reporting agencies, but they are failing to comply, investigate and send me documentation as to why they are keeping this on my credit file without any evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: NJ

Complaint narrative:
XXXX XXXX charges me over {$2000.00} to fix my credit and never did anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: SC

Complaint narrative:
I am being financially harmed due to an account that was created through identity theft by a company.. I have informed them credit reporting agencies, but they are failing to comply, investigate and send me documentation as to why they are keeping this on my credit file without any evidence.

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 2025-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX {$530.00} was ove drafted from my savings account into my checking account. I called Wells Fargo to dispute this bc I did not/ never signed up for overdraft protection, Wells Fargo stated that they automatically enroll customers in overdraft protection, and that you have to request to get it removed. Wells fargo is in violation of the The electronics funds transfer act. I never agreed to overdraft protection at all they should never have allowed a transaction to go through but instead decided that should enable it on my accounts to make the transfer. Wells Fargo has caused me great frustration financially and mentally and I'm ready to do what it necessary to see them punished for failing to follow the federal law regarding EFTA

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 2025-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Centron Services
State: MT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated FCRA and HIPPA by furnishing actual statements of myself and my husband 's medical procedures with no PHI redacted to a debt collector, Centron Services XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX HIPPA only allows the minimum necessary information to be revealed providing there is a XXXX XXXX agreement. They are only allowed to see : 1. Name and address 2. Social Security number 3. Date of Birth 4. Payment history 5. Account number The debt collector in turn furnished said statements to their attorney, and that attorney furnished the statement to Justice Court in the town we live in. None of these entities have any authorization to have protected health information of mine or my husband 's

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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:
I APPLIED FOR A CAR LOAN AND I NOTICED SEVERAL ACCOUNTS THAT WERE OPENED ON MY REPORTS I DIDNT OPEN.

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