vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
When my student loans were transferred from XXXX to XXXX, I proactively called XXXX to clarify their delinquency reporting policy. XXXX did not report to credit bureaus until loans were 60 days past due. I was specifically told by a XXXX representative that the same 60-day window applied. 

Based on that information, I scheduled a payment for XX/XX/year>. I later learned that XXXX actual policy is to report after 30 days, and that they report to credit bureaus on the last day of the month. As a result, I was reported delinquent for being one day late ( on XX/XX/year> ). 

I called to clarify the policy because the paperwork was confusing. I acted in good faith, based on the verbal information I was given. This misunderstanding caused my first-ever derogatory mark in 60 years, and when I requested a goodwill adjustment or for them to review the call, I was told it wasnt possible unless it was due to a system error. 

This situation is unfair and distressing. Im requesting a review of the circumstances and a removal of the late mark due to the incorrect verbal guidance I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: GA

Complaint narrative:
When my student loans were transferred from XXXX to XXXX, I proactively called XXXX to clarify their delinquency reporting policy. XXXX did not report to credit bureaus until loans were 60 days past due. I was specifically told by a XXXX representative that the same 60-day window applied. 

Based on that information, I scheduled a payment for XX/XX/year>. I later learned that XXXX actual policy is to report after 30 days, and that they report to credit bureaus on the last day of the month. As a result, I was reported delinquent for being one day late ( on XX/XX/year> ). 

I called to clarify the policy because the paperwork was confusing. I acted in good faith, based on the verbal information I was given. This misunderstanding caused my first-ever derogatory mark in 60 years, and when I requested a goodwill adjustment or for them to review the call, I was told it wasnt possible unless it was due to a system error. 

This situation is unfair and distressing. Im requesting a review of the circumstances and a removal of the late mark due to the incorrect verbal guidance I received.

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 2025-03-22 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: GA

Complaint narrative:
When my student loans were transferred from XXXX to XXXX, I proactively called XXXX to clarify their delinquency reporting policy. XXXX did not report to credit bureaus until loans were 60 days past due. I was specifically told by a XXXX representative that the same 60-day window applied. 

Based on that information, I scheduled a payment for XX/XX/year>. I later learned that XXXX actual policy is to report after 30 days, and that they report to credit bureaus on the last day of the month. As a result, I was reported delinquent for being one day late ( on XX/XX/year> ). 

I called to clarify the policy because the paperwork was confusing. I acted in good faith, based on the verbal information I was given. This misunderstanding caused my first-ever derogatory mark in 60 years, and when I requested a goodwill adjustment or for them to review the call, I was told it wasnt possible unless it was due to a system error. 

This situation is unfair and distressing. Im requesting a review of the circumstances and a removal of the late mark due to the incorrect verbal guidance I received.

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 2025-03-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC BANK I request information on an account, please provide this information enclosed in pdf through the CFPB thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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 AM A VICTIM OF THE RECENT DATA BREACH PLEASE REMOVE AND BLOCK THESE ACCOUNTS DUE TO THE RECENT DATA BREACH IMMEDIATELY [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, PA, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] [ EXPERIAN ] [ XXXX XXXX XXXX ] [ XXXX, TX, XXXX ] Subject : Formal Dispute of Inaccurate Information Under FCRA ( 15 U.S.C. 1681n & 15 U.S.C. 1681o ) Dear [ EXPERIAN ], I am writing to formally dispute inaccurate information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ). The following item ( s ) on my report contain errors and must be investigated and removed immediately : [ XXXX XXXX  ] Account # [ XXXX ] Nature of Dispute : [ fraudulent accounts ] [ Inaccurate Information ] According to 15 U.S.C. 1681i, you are required to conduct a reasonable investigation of this dispute within 30 days. If the information is found to be inaccurate or unverifiable, it must be deleted or corrected. Additionally, under 15 U.S.C. 1681n, if you fail to comply with the FCRAs requirements willfully, you may be liable for actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, and attorney fees. Under 15 U.S.C. 1681o, if noncompliance is due to negligence, you are still liable for damages, including legal costs. I demand that you correct or delete the inaccurate information from my credit report immediately. Please provide me with a written response detailing the results of your investigation. If the disputed item is not corrected, I will explore all legal remedies available to me. Enclosed are copies of supporting documents [ list documents such as a copy of your credit report with the inaccurate item highlighted, proof of identity, statements, etc. ] to assist in your investigation. Please respond in writing to the address above within the required timeframe. 

Sincerely, [ 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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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 block this 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 explanation
Consumer complaint received 2025-03-22 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
In XXXX of XXXX  I planned to move into an apartment and checked my credit on credit karma. I noticed I had an maxed out credit card for {$15000.00} at navy federal. I never opened a credit line at navy federal but did have an account there so I called explained to them that I was a victim of fraud and went through their process for over a year almost just for them to tell me that there is nothing they can do and I am responsible to pay the debt myself. This has really taken a toll on me and as I am expecting a son this summer I am trying to get this disputed as fast as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: OK

Complaint narrative:
My payment record demonstrates consistent punctuality with zero instances of tardiness. I demand prompt evidence substantiating this alleged late payment, as my consumer protections are being infringed without it. Per 15 U.S. Code 1681s-2 ( a ) ( 2 ), information furnishers must promptly correct or update data upon discovering inaccuracies, incompleteness, or changes affecting accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In XX/XX/year>, I paid off the balance on my Zales credit card ; however ; they sent me an email stating I had a balance of {$41.00}. I called and explained the account was balance of {$1600.00} was paid in full. They said I paid on the wrong date, During the month of XXXX I received XXXX email from Comenity Bank Zales credit card stating I owed {$82.00} dollars. I paid the {$82.00} and closest the account. I also opened a with dispute with XXXX and my credit report has a delinquency and red laters I paid in full and they still charged fees and added derogatory information and/or delinquency to my credit report which is very unfair. 

I will submit the bank statements and email I sent to Zales and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
Payment history wrong. Account was paid properly on time every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX. XXXX at XXXXXXXX XXXX XXXX XXXX  at XXXX airport I had a reservation to rent a car. Since I did not have an active credit card, both the agent and manager told me that if I underwent a credit check I could use a debit card with a deposit of {$500.00}. The credit company was Equifax Information Services of XXXX Georgia XXXX. They asked me for my SS number which I supplied. I was denied credit because I have no debts or credit information due to the fact that I live XXXX  and use cash for most transactions. On XX/XX/XXXX I got a fraud alert from XXXX XXXX  regarding a payment on my debit card made to ladrisa.com for {$4.00} made on XX/XX/year>. I responded that it was fraudulent, and XXXX did not make the payment. Since I had no other transactions on that debit card it is obvious that someone at the credit company used my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: John C. Heath, Attorney at Law, PLLC
State: OH

Complaint narrative:
I only asked for a simple timeline for seeing results. I can not remember any other complaints besides finding it hard to contact anyone after my initial call. FILED BANKRUPTCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: MORGAN STANLEY & CO. LLC
State: MA

Complaint narrative:
I received an email about phone number changing on my account. I do not have a eTrade account nor did I log into an account to change my number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: MA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX This account is not mine and I dont know this account XXXX XXXX XXXX XXXXXXXX This account is not mine and I dont know this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: MA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX This account is not mine and I dont know this account XXXX XXXX XXXX XXXXXXXX This account is not mine and I dont know this account

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 2025-03-22 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: VA

Complaint narrative:
In XXXX of XXXX  I planned to move into an apartment and checked my credit on XXXX XXXX. I noticed I had an maxed out credit card for {$15000.00} at XXXX XXXX. I never opened a credit line at XXXX XXXX  but did have an account there so I called explained to them that I was a victim of fraud and went through their process for over a year almost just for them to tell me that there is nothing they can do and I am responsible to pay the debt myself. This has really taken a toll on me and as I am expecting a son this summer I am trying to get this disputed as fast as possible.

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 2025-03-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Interest rate
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
On XX/XX/XXXX I used the messaging service Freedom Mortgage offers on their website advising I would like this account reviewed to reflect scra interest rate of no higher than 6 % and provided my XXXX XXXX orders. I received a letter response that THEY HAVE received my inquiry. 

XX/XX/XXXX After no update, no response, I begin calling Freedom Mortgage where I am told by XXXX XXXX they don't have the information or documents, with no care or responsibility that her system advised they had received it XX/XX/XXXX. 

Allowing me to submit and falsely believe the messaging center is a legitimate form of communication is deceptive. 

XX/XX/XXXXXXXX  No update as usual on the rate change, I begin following up again. 

XX/XX/XXXX XXXX XXXX advises there will be a subsidy payment of XXXX going out shorty. 

XXXX Months of writing. Months of requesting the account to reflect the rate change. Letters from Freedom advising we were approved and advising the interest rate can not exceed 6 %. Our account REMAINS reflecting the 6.75 % rate.

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 2025-03-22 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 am writing to formally request that you block certain erroneous data reported on my credit report, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. It has come to my attention that incorrect information has been included in my credit report, which I believe to be the result of identity theft. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine. 
I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thanks.

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 2025-03-22 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 am writing to formally request that you block certain erroneous data reported on my credit report, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. It has come to my attention that incorrect information has been included in my credit report, which I believe to be the result of identity theft. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine. 
I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thanks.

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
After a claim to FirstBank PR  on XX/XX/year> related to the information contained in my credit report and they determined to proceed to correct the 30-day delinquency with all relevant credit agencies. The delinquency continued to appear after being removed for a short period of time from my credit report. During the next few months this continued intermittently reflecting my credit erratic ups and downs due to the inconsistent information that the credit agencies received affecting both my XXXX  and financial health. After several disputes with the credit agencies, they inform me that FirstBank PR continues to report the delinquency despite it being evidenced that FirstBank PR would proceed to correct the delinquency as a result of an investigation.

Company response to consumer: Closed with explanation