vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: KS

Complaint narrative:
I have several student loans through XXXX XXXX college and I did not give permission for my loans to be turned over to another administration and I did not give permission for them to look at it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: MD

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: NC

Complaint narrative:
I reviewed my Transunion Credit Report and found a XXXXday late payment is reporting on my credit report when I was never late. XXXX XXXX agencies have a vital role and are responsible for reporting Consumer Information to the best of their ability with Maximum Accuracy. I have never been late for payment to XXXX XXXXXXXX XXXX XXXX account number XXXX. Please investigate and provide proof with statements of the late payment reporting. If evidence can not be provided I demand that this late payment be updated to on time as it should be because I have never been late. Thank you

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 2025-03-29 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: Early Warning Services, LLC
State: FL

Complaint narrative:
After serving XXXX consecutive years in XXXX  and multiple failed attempts to open a bank account once freed, I was informed that I some how was in XXXX XXXX XXXX and XXXX for fraudulent activity, from accounts that where clearly opened while I was locked up. I informed XXXX that these accounts were not mine. I made sure to attach an ftc report, a Notice to furnisher of information, FCRA XXXX ( 15 u.s.c. XXXX ), copy of my ID, and proof of my XXXX which shows an arrest date of XX/XX/XXXX ; and a release date of XX/XX/XXXX the record reflects that these accounts where opened inbetween my arrest date and release date yet and still they refuse to remove these accounts off of my consumer report thus robbing me of the opportunity to open a bank account. Which we all know is an essential element needed for a proper reintegration back into society. These people literally have my whole financial life on hold for fraudulent activities that clearly reflect on the face of the record, i had nothing to do with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 UNAUTHORIZED INQUIRIES : 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 2025-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Applied Business Services, Inc.
State: IL

Complaint narrative:
Have made the payment like XXXX ago, but still on collection.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: January Technologies, Inc
State: TX

Complaint narrative:
Subject : Formal Dispute of Inaccurate Tradeline Metro 2 Compliance Violations ( XXXX XXXX Bank, Acct XXXX XXXX ) To Whom It May Concern, I am writing to formally dispute the following inaccurate and non-compliant information on my XXXX credit report in violation of XXXX*Metro 2 Credit Reporting Guidelines** and the XXXXFair Credit Reporting Act ( FCRA ) **. The account in question is : XXXX XXXX Bank Account XXXX XXXX XXXX Status : Charged Off Metro 2 Violations & Dispute Reasons XXXX. Incorrect " Date of Status '' ( Metro 2 XXXX XXXXXXXX ) - The Status Updated '' date is XX/XX/XXXX, yet the tradeline reports a past-due balance as of XX/XX/XXXX. 
- Violation : The " Date of Status '' must reflect the most recent activity. This inconsistency misrepresents the accounts timeline. 


XXXX. Improper " Account Status '' Reporting ( Metro 2 XXXX XXXX Status CXXXXe XXXX ' ) - The account is closed and charged off, but the furnisher continues reporting a past-due balance ( {$730.00} ) as if the account were active. 
- Violation : A charged-off account ( Status CXXXXe XXXX ' ) should not report monthly past-due amounts unless new delinquency occurs ( which is impossible on a closed account ). 


XXXX. Balance Exceeds Credit Limit Without Proper Coding ( Metro 2 XXXX XXXX " Credit Limit '' ) - The credit limit is {$400.00}, but the balance is {$730.00} ( 183 % utilization ). 
- Violation : If fees/interest caused the over-limit balance, the furnisher must report it under XXXX XXXX ( Original Charge-Off Amount ) not as an ongoing revolving balance. 


XXXX. Inaccurate Payment History ( Metro 2 XXXX XXXXXXXX ) - The last payment was XX/XX/XXXX, yet the **balance was updated in XX/XX/XXXX without justification. 
- Violation : Payment history must reflect XXXX months of verifiable activity. Arbitrary updates without payment activity violate Metro 2 standards. 


XXXX. Missing Dispute CXXXXe ( Metro 2 XXXX XXXX XXXX  Compliance Condition CXXXXe '' )- The comment states " Account information disputed by consumer '' * but lacks the required Metro 2 dispute cXXXXe ( XXXX ' for FCRA disputes ) **. 
- Violation : Furnishers must use proper dispute codes to ensure compliance with FCRA XXXX ( a ) ( XXXX ). 


Requested Action Under FCRA XXXX, I demand : Permanent deletion of this tradeline if the furnisher can not verify its accuracy within XXXX days. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
We submitted an on-time payment. The company sent the payment back saying the account was unable to be identified. The company had already accept a previous payment. We sent documentation stating as such but then did not respond. The sending of the payment back resulted in us missing a payment date. We contact their online customer service but they denied and refund of the late fee and interest charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-29 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX, XXXX Balance {$14.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance {$2300.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1300.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$720.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$700.00} Open Date 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 2025-03-29 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$18000.00} Open Date XX/XX/XXXX XXXX, XXXX Balance {$0.00} Open Date XX/XX/XXXXXXXX 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 2025-03-29 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: GA

Complaint narrative:
Kindly remove the unauthorized accounts from my credit report as soon as possible. I have no connection to these accounts, nor did I authorize them. Per XXXX XXXX, I am formally requesting their removal within XXXX days. I have enclosed supporting documents for your review. Moreover, discrepancies exist as different account details are being reported to each credit bureau.

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 2025-03-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
On the first occasion when I went to the Pend fed branch in XXXX XXXX in XXXX XXXX XXXX, the associate who assisted me lacked experience in the information to open an Irrevocable Living Trust account, but even so I had my documents with me and the scanners to send them to an office in the United States and supposedly process it, that happened on XXXX, After that, follow-up was given to the account in which they requested evidence of the XXXX number, in which it was sent twice, and then more or less XXXX weeks passed and they notified me that it could not be processed for no apparent reason. Later it was filled out again on XXXX at Pend Fed in the Municipality of XXXX, XXXX XXXX, in which the Associate who assisted me was given the same documents as at the Previous Branch ( XXXX ), and when a few days passed, they did not open the Trust account for me due to the lack of the XXXX document, which was sent along with the package to process the Trust. For the third time, the Pend Fed Branch in XXXX, XXXX XXXX, went to the branch last ( XXXX ) with the hope that they could help me, but the person processed all the required documentation for the third time and did not receive a clear explanation indicating the reason why it was DENIED.

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 2025-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
They keep reporting. On my credit I never signed any document with these collectors

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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:
Kindly remove the unauthorized accounts from my credit report as soon as possible. I have no connection to these accounts, nor did I authorize them. Per XXXX XXXX, I am formally requesting their removal within XXXX days. I have enclosed supporting documents for your review. Moreover, discrepancies exist as different account details are being reported to each credit bureau.

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 2025-03-29 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: MO

Complaint narrative:
XXXX XXXX XXXX Formal Dispute and Request to Remove Inaccurate Information Under FCRA 605B and 611 To Experian I am filing this dispute to demand the immediate removal of fraudulent and inaccurate information on my credit report, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) and FCRA 611 ( 15 U.S.C. 1681i ). The listed accounts below are not valid and must be investigated and removed. Disputed Items The following accounts appearing on my Experian credit report are fraudulent : 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 XXXX XXXX XXXX Violations of the FCRA and FDCPA 1. Failure to Investigate : Under FCRA 611, Experian must investigate any disputed information. If the furnishers can not verify the accounts, they must be removed. 2. Failure to Notify : Under FDCPA 1692g, debt collectors are required to notify me within five days of their first contact. This notification did not happen for the accounts above, making these debts unverifiable and invalid, must be removed immediately. 3. Insufficient Validation : A breakdown of charges is insufficient for verification. Validation must include documentation proving the debts are mine, including my wet-ink signature on the original agreements.

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 2025-03-29 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: GA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a Auto Loan account opened at XXXX XXXX XXXX on XXXX XXXX, XXXX, under the account number ( XXXX ), an auto loan account opened at XXXX XXXX account on XX/XX/XXXX under the account number ( XXXX ) credit reporting XXXX XXXX opening date XX/XX/XXXX account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-03-29 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: WA

Complaint narrative:
Kindly remove the unauthorized accounts from my credit report as soon as possible. I have no connection to these accounts, nor did I authorize them. Per USC 1681g, I am formally requesting their removal within 15 days. I have enclosed supporting documents for your review. Moreover, discrepancies exist as different account details are being reported to each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX, XXXX XXXX {$14.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX Balance {$1300.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$720.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$700.00} Open Date XXXX XXXX, XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: NV

Complaint narrative:
I reviewed my credit report and found several fraudulent accounts that do not belong to me. These accounts were opened without my authorization, negatively impacting my credit score. I have contacted the creditors involved and confirmed that these accounts were opened fraudulently. Additionally, under the Fair Credit Reporting Act ( FCRA ), the credit bureau is required to investigate and verify all reported accounts, yet they have not provided proper verification. I am submitting identity theft reports and supporting documents, including an FTC report, to prove that I did not authorize these accounts. I request immediate action to have them removed and my credit report corrected.

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 2025-03-29 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: GA

Complaint narrative:
I'm disputing the information in this FTC complaint, as it appears on my credit profile, I would like validation of the debt to prove it belongs to me XXXX XXXX. If the debt can't be validated, I would like to for the debt to be removed from the credit profile. Please note

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 2025-03-29 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: GA

Complaint narrative:
I'm disputing the information in this FTC complaint, as it appears on my credit profile, I would like validation of the debt to prove it belongs to me XXXX XXXX. If the debt can't be validated, I would like to for the debt to be removed from the credit profile. Please note

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