vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
In XXXX, I received an advertisement in the mail from American Express Bread cash back stating that I was pre-approved for a credit card with them. It stated that I when I spent {$1000.00} within XXXX months of opening the card, I would receive a cash back of {$200.00} on my statement. I called the number provided on XX/XX/year> and I was approved for this credit card. I received the credit card XXXX days later. 

After spending {$1000.00} after XXXX  months, in XXXX, I called the AMEX Bread credit card number on the back of the card and was told I was not in the program. Upon further checking, they said I was in the program and had to wait XXXX billing cycles for the {$200.00} to appear. I waited XXXX billing cycles and called back when I did not receive the {$200.00}. 

Yesterday, XX/XX/XXXX, I called again and was told I was not in the program. I asked to speak to a XXXX. After holding for XXXX minutes while she reviewed by account, she came back and said I could set up a dispute and that would take up to XXXX days to look into it. 

After numerous phone calls and getting different answers from everyone, I am totally frustrated why it is taking so long to receive my cashback when I fulfilled my obligation back in XXXX and it is now XX/XX/XXXX. And I feel no one there can help me as I have received many different answers. 

This is false advertising and their personnel are incompetent as to how to handle their customers. I am tired of waiting and would like to know when I am to receive the {$200.00} as I met my obligation back in XXXX. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: CA

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 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 2025-05-09 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The following information is reporting on my credit report as inaccurate ownership of the account. I would like this to be removed due to it not representing my current or previous status of purchases or loans.

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 2025-05-09 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: AZ

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: NC

Complaint narrative:
I am submitting this complaint regarding the inaccurate and misleading reporting of my student loan accounts by MOHELA XXXX Missouri Higher Education Loan Authority ). Despite providing updated and accurate account information directly from MOHELA, my credit reports continue to reflect late payments and an incorrect account status. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers of information are obligated to ensure maximum possible accuracy of the data they report ( 15 U.S.C. 1681e ( b ) ). Additionally, under Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ), data furnishersincluding MOHELAare required to promptly correct and update information when they discover inaccuracies or receive disputes from consumers.

I have made multiple attempts to resolve these inaccuracies by contacting both the credit bureaus and MOHELA directly. However, MOHELA continues to report late payments that are either outdated, incorrect, or not reflective of my actual payment history. The account status is also being misreported, which has had a significant negative impact on my credit profile and financial opportunities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I 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. 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 explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-09 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-09 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: TN

Complaint narrative:
Reported as a charged-off account with a current balance, which contradicts XXXX XXXX and FCRA XXXX XXXX b ). Charged-off accounts should not reflect a balance if sold or XXXX. 

This account is reported without a complete account number, only showing XXXX '. Under XXXX XXXX Field XXXX and FCRA XXXX ( a ) ( XXXX ), the reporting entity is required to include sufficient identifying details for consumer verification. Failure to provide a complete account number makes this tradeline unverifiable and it must be deleted.

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 2025-05-09 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: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). 
Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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 is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). 
Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: APEX Asset Management, LLC
State: NJ

Complaint narrative:
My son had a medical bill that was due and XXXX XXXX sent it to XXXX over 85 % of the cost was covered by the insurance company and was settled with virtual. Only about 15 % I owed to this collection company called Apex Collection LLC in Pennsylvania. 

I did arrange to pay them {$1100.00} previous month and then they forced me to pay another {$1100.00} to settle the account but I have no job currently and going through a lot of hardship along with my XXXX. Other collection companies do make some sort of accommodation or give some more time to settle the account even after our settlement has been agreed. I feel like this company is very greedy and does not work with the consumer or at least give them a accommodation to that debt. 
In the past, I did work with a lot of XXXX company they do give require accommodation in settling debt but this particular company Apex asset management LLC in Pennsylvania dont care. 
I investigation is required for this company. You can check the XXXX review and plenty of people have said negative things about the company. I had borrowed money and settled the debt because of the frustration that they have created for me. I think government agencies should give them a fine for harassing the customer and putting them in a extra pressure even when the situation is very tight within themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Carter-Young, Inc.
State: FL

Complaint narrative:
I am requesting the removal of a paid collection account from my XXXX credit report. The account is with Carter-Young Inc. ( original creditor : XXXX ). The full balance of {$250.00} was paid in full on XX/XX/year>, and the account has been closed since that time. Despite this, the account remains listed as a negative item on my XXXX credit report, significantly impacting my credit score. 

I have contacted the company directly and submitted a goodwill deletion request but have not received a response. I am requesting that this account be removed as it is fully paid and no longer relevant to my current creditworthiness. 

Thank you for your assistance in resolving this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-05-09 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: NJ

Complaint narrative:
XXXX XXXX XX/XX/year> XXXX CREDIT BUREAU Re : Notice of Dispute for Late Payment Entry Account ; XXXX XXXX XXXX  Date of Alleged Late Payment : ( XX/XX/year> ) ( XX/XX/year> ) ( XXXX ) Dear Sir/Madam, I am writing to formally dispute an entry on my credit report regarding 3 late payments associated with my mortgage account, Account : XXXX XXXX XXXX. I would like to clarify the circumstances surrounding this account and explain the basis of my dispute. 
Upon reviewing my credit report, I initially believed that the account was fraudulent and disputed it as such. However, after further investigation, I have learned that this mortgage account was transferred from another lender to XXXX XXXX. I did not realize this transfer had occurred, which led me to mistakenly assume the account was fraudulent. I now acknowledge that this account is indeed mine, and I am taking full responsibility for it. 
That being said, I am disputing the late payment entries reported on this account, as I believe they are incorrect. Specifically, I have reviewed the documentation related to this account and believe that there are discrepancies with the dates/payment amounts reported as late payments. 
Additionally, I spoke with XXXXXXXX XXXX  XXXX, and they informed me that they did not report any late payments to the credit bureaus. This further complicates the situation, as the late payments should not have been reported under the current circumstances.

Therefore, I am invoking my rights under FCRA Section 611 ( a ) and formally dispute the accuracy of these late payment entries. I request that the credit bureau conduct a full investigation into this matter, including a review of the lenders reporting history, and remove these entries if they can not be fully verified.

Those payments entries are unverified, outdated which make them illegal. If the late payment entries can not be properly verified, I request that they be removed from my credit report.

Thank you for your attention to this matter. I look forward to your investigation and an updated report reflecting the corrected information. 
Sincerely, XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: IA

Complaint narrative:
In accordance with the fair credit reporting act the following accounts has violated my rights : There are several accounts that appear on my credit report which I do not recognize. I believe these accounts may be the result of potential fraud or an error in the credit report. 

Disputed Accounts : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXXXXXX 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