vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Braviant Holdings, LLC
State: MI

Complaint narrative:
Please see attached. 

I paid this loan in full. Its being reported as 30 days late, and it was and is not. I was also told that the creditor would not report me as 30 days late if I paid the loan off in the amount of XXXX, on or before XX/XX/year>, which I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: GA

Complaint narrative:
I am filing this formal complaint against Experian for failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically concerning my dispute request that was notarized and sent to Experian on XX/XX/2025, at XXXXXXXX XXXX. 

The dispute was sent via USPS with tracking number XXXX and was signed for by Experian agent XXXX XXXX on the same day, XX/XX/2025. The letter was properly notarized and requested that Experian conduct a full investigation into specific inaccurate items on my credit report. In the same letter, I requested that the full findings and results of the investigation be sent to me via USPS mail in printed form.

As of today, XX/XX/2025, more than 60 days have passed, and I have not received any response, results, or confirmation from Experian, which is a direct violation of the FCRA.

Violations : Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), Experian is legally required to : Investigate the disputed items within 30 days of receiving my dispute letter.

Provide the consumer ( myself ) with the results of the reinvestigation in writing via USPS mail on paper.

Provide a copy of the consumer report if the dispute results in a change via USPS mail on paper.

Notify the furnisher of the information of the dispute in a timely manner.

Additionally, per 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) : If the disputed information is found to be inaccurate, incomplete, or unverifiable after the reinvestigation, the credit bureau must delete that item from the file and notify the consumer of the deletion.

Furthermore, if the credit bureau does not respond within 30 days, per the FCRA guidelines and supporting case law, the items in question are to be considered unverifiable and must be removed from the consumers credit report.

Experian has failed to : Respond within the 30-day time period required by law.

Send me the full investigation results as requested via USPS mail written on paper.

Remove the disputed accounts despite no response or resolution.

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 2025-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
When reviewing my most recent XXXX XXXX XXXX from Synchrony Bank , I noticed that I was charged a {$29.00} late fee and {$8.00} interest for an {$82.00} bill. When I called them, they claimed that the 120 % Interest ( APR ) was calculated using an " Average Daily Balance '' of {$280.00}. I paid the bill on XX/XX/XXXX ( Friday ), they claim to not receive it until XX/XX/XXXX ( Tuesday ) which is one day after the XX/XX/XXXX ( Mon ) due date. They immediately agreed to waive the late fee, but refused to waive the interest. On principal alone that this is highway robbery, I am filing this legitimate complaint about dishonest practice of extremely high interest rate and calculating on an amount that can not be confirmed by a consumer.

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 2025-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I get calls if not every day it is every other day. I have asked it to stop. I blocked numbers they still call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: MI

Complaint narrative:
Please see attached. 

I paid this loan in full. Its being reported as 30 days late, and it was and is not. I was also told that the creditor would not report me as 30 days late if I paid the loan off in the amount of XXXX, on or before XX/XX/year>, which I did.

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 2025-04-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
On XX/XX/year>, XXXX XXXX went into branch to make inquiry about our sweep account to see if the bank had any other products that could earn more net interest due to the fees associated with the sweep account. At no time was a request for funds to be transferred or for any change whatsoever to be made to the existing sweep account. Unbeknownst to the XXXX XXXX XXXX, the bank representative d

id the following without any consent on our part : 1. ) Removed the {$240000.00} from the sweep account that was earning in excess of 4.9 % interest at the time. 2. ) Mailed documentation to XXXX XXXX to setup a new Business Money Market account Neither of these actions were requested by us and XXXX XXXX did not receive the information mailed, so we were not aware of any change made until XXXX XXXX received the XXXX statement with XXXX interest. Interest credited from prior month was {$990.00} for reference. I immediately contacted XXXX XXXX to see if he made any changes to the account. He replied no, but that he did meet with a bank representative on XX/XX/year>. However, he informed XXXX XXXX that he only requested information and authorized no changes. XXXX XXXX and XXXX XXXX have subsequently met with bank representatives at the branch many times requesting restitution for the egregious bank error. At each interaction, we have been promised that the bank was looking into the error and that full restitution would be made. It has now been over FIVE MONTHS since the error and not only has no one ever reached out to us, but all our attempts for updates have gone unanswered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I moved out of XXXX XXXX in XX/XX/XXXX, and my mother continued to live in the apartment complex. I signed paperwork to remove my name from the lease in XX/XX/XXXX. However, when my mother official moved out of the apartment in XX/XX/XXXX, the apartment complex, XXXX XXXX sold the debt ( {$460.00} ) to National Credit Systems in XX/XX/XXXX. I called the leasing office, and she confirmed that I was not on the lease. I asked for a copy of the lease, and she said she would provide it to me by the end of the week, but now the leasing office is not answering the phone. I have tried to dispute this amount with XXXX, but XXXX 's findings were that the debt was verified and will remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: Velocity Portfolio Group
State: DC

Complaint narrative:
I don't have a Contract with any of the XXXX Companies listed below. I have been disputing them for 3 years with No Results from the XXXX major Credit Bureaus. 

Account name XXXX XXXX XXXX  Account number XXXX Original creditor - Company sold XXXX XXXX Account type Unsecured Date opened XX/XX/XXXX Open/closed Closed Status Account charged off. {$10000.00} written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$10000.00} Monthly payment - {$290.00} Last Payment Date XX/XX/XXXX Terms 61 Months Responsibility Individual. 

I contacted this company after noticing I was paying for a Loan for 19 months that I Did Not Open. I reported Fraud and Filed a Police Report. I contacted the company and Informed them but no actions were taken by them. 

It has been reported that after XXXX worth of Free Payments, I have lost {$5600.00} and they have charged off Amount {$10000.00} to the account listed below that claims I owe them {$8700.00} instead of {$10000.00} but they also claim that they bought the debt from Original creditor XXXX XXXX XXXX XXXX XXXX  : Account info Account name XXXX XXXXXXXX XXXX Account number XXXX Original creditor XXXX  XXXX XXXX XXXX XXXX XXXX - Account type Debt Buyer Date opened XX/XX/XXXX Status Collection account. {$8700.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$8700.00} Balance updated XX/XX/XXXX Original balance {$8700.00} Monthly payment - Past due amount {$8700.00} Terms 1 Month Responsibility Individual.

I have Never Signed Up for a Loan with Any of the 3 Companies Listed Above.

I have No Idea who they are and I have Reported them for the past 3 Years with XXXX Results repeatedly. 
They are Reporting Negatively on ALL XXXX CREDIT REPORTS XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: MI

Complaint narrative:
I applied and received a lease from XXXX  XXXX XXXX for a XXXX  XXXX XXXXXXXX XXXX XXXX XXXX. My loan/lease was approved in XX/XX/year> since that date I HAVE NOT had any of my ON TIME payments and balance updates report to any credit bureau after XXXX of XXXX! Once they ( XXXX XXXX XXXX ) DELETED the trade line/credit account off of my credit reports it has taken over XXXX points off of my credit score. Not to mention most if not all of my payment history DOES NOT exist anymore. 

After speaking with them directly they AGREED to correct this is MULTIPLE times ; IMMEDIATELY after they DENIED my request and refused to update any missing information until the lease amount is PAID OFF. Which is completely unacceptable due to the fact that Ive NEVER been LATE and or MISSED A PAYMENT.

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 2025-04-06 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: MI

Complaint narrative:
I applied and received a lease from XXXX XXXX XXXX for a XXXX  XXXX XXXXXXXX XXXX XXXX XXXX  My loan/lease was approved in XX/XX/year> since that date I HAVE NOT had any of my ON TIME payments and balance updates report to any credit bureau after XXXX of XXXX! Once they ( XXXX XXXX XXXX ) DELETED the trade line/credit account off of my credit reports it has taken over XXXX points off of my credit score. Not to mention most if not all of my payment history DOES NOT exist anymore. 

After speaking with them directly they AGREED to correct this is MULTIPLE times ; IMMEDIATELY after they DENIED my request and refused to update any missing information until the lease amount is PAID OFF. Which is completely unacceptable due to the fact that Ive NEVER been LATE and or MISSED A PAYMENT.

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 2025-04-06 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: MI

Complaint narrative:
I applied and received a lease from XXXX  XXXX XXXX for a XXXX  XXXX XXXXXXXX XXXX XXXX XXXX. My loan/lease was approved in XX/XX/year> since that date I HAVE NOT had any of my ON TIME payments and balance updates report to any credit bureau after XXXX of XXXX! Once they ( XXXX XXXX XXXX ) DELETED the trade line/credit account off of my credit reports it has taken over XXXX points off of my credit score. Not to mention most if not all of my payment history DOES NOT exist anymore. 

After speaking with them directly they AGREED to correct this is MULTIPLE times ; IMMEDIATELY after they DENIED my request and refused to update any missing information until the lease amount is PAID OFF. Which is completely unacceptable due to the fact that Ive NEVER been LATE and or MISSED A PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: AZ

Complaint narrative:
I just reviewed my credit report and noticed that there was a charge on my account from Harvard collections in Illinois. In the amount of {$1000.00}. Dated XX/XX/year>2024. I have no documentation as I have never received any correspondence. 

To start off with I have never received any type of correspondence phone calls Texts or emails from this company. 
Secondly, I have lived in the state of Arizona for 37 years. I find this to be very unusual that something like this would be put onto my credit report after 37 years and with no knowledge of what this is for. 
Thirdly, I have a been married for 37 years in Arizona.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lendbuzz Inc.
State: MD

Complaint narrative:
Lendbuzz funding LLC charged of this account in XX/XX/XXXX, and did not send me a 1099c form so that could file that on my taxes. XX/XX/XXXX I reached out to them with no response. They are fraudulently reporting this to my account after charging it off, and receiving whatever tax breaks they get?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
They did not solve the problems Just closed my account instead

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 2025-04-06 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: MO

Complaint narrative:
This is my second time disputing these items, so I will not create a new cfpb claim since nothing has changed, this will be taken ligitation I wont have a company leave items on my report that does not belong to me, I will again attach a report of my first cfpb dispute letter and my identification card to verify my identity.

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 2025-04-06 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: MO

Complaint narrative:
This is my second time disputing these items, so I will not create a new cfpb claim since nothing has changed, this will be taken ligitation I wont have a company leave items on my report that does not belong to me, I will again attach a report of my first cfpb dispute letter and my identification card to verify my identity.

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
In accordance with the fair credit reporting act you violated the united states code law ( Tila 15 U.S. Code 1666 ( b ) billing error ) The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX, Account Name : XXXX XXXX, Account Name : XXXX, Account Name : XXXX  XXXX XXXX XXXX, Account Name : Sensible Auto Lending Has violated my rights. 


15 U.S.C.1681 section 602 A, States I have the right to privacy.

15 U.S.C 1681 section 604 a section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681C. ( A ) ( 5 ) Section States : No consumer reporting agencia may make any consumer report containing any of the following item of information : any other adverse tems of information, other han
records of convictions and crimes which antedates the report by 7 years.

15 U.S.C 1681S-2 ( 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 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 2025-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TN

Complaint narrative:
My bank account was froze up/ garnished through the court by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  attorneys. Which I received court file stating that there was a final judgment in XX/XX/year> for 20 years I never heard of this information never received one letter that out of the blue my account is locked up in the court file you will not find my signature on a single paper you however will find somebody else 's and it seems to be a females which I sent this information to all parties and the court, I've never owned a discover card I've never fill out a discover application I have never agreed to pay for owing for a discover card at no time in my life

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
The representative call my work phone number to collect a debt. I work for the state of Texas and I told the representative that this is my employer number. The representative was trying to pressure me to pay something on the debt when I told her that I don't have any money. She kept saying that she was trying to work me, when I told her that I didn't have the any money. They keep calling my phone and sending me email about making a payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am writing to dispute inaccurate information appearing on my credit report regarding my student loan account ( s ) with Nelnet. Specifically, I am disputing the reported 90-day late payment status.

At the time the 90-day late notice appeared on my credit report, my loan ( s ) were in forbearance. I did not receive any notification that the forbearance was being lifted or that payments were becoming due. Due to unforeseen and significant personal circumstances, including being in and out of the XXXX  for the XXXX  of my XXXX  and undergoing XXXX XXXX, I was unaware of any change in my loan status. 

As a result of this inaccurate reporting of a 90-day late payment, my credit score unfortunately dropped by approximately 150 points. 

I want to emphasize that the loan is currently completely paid off for Nelnet. While the account is settled, the negative impact of the erroneous 90-day late notice is severely affecting my ability to secure necessary credit. Most urgently, we were in the final stages of closing on a home, and at the last minute, the lender pulled my credit report and we were subsequently denied the loan due to this significant negative mark. The removal of this inaccurate 90-day late notice is the critical factor in improving my credit score and regaining our eligibility for the home. Currently we are scheduled to close on XX/XX/year>. 

I request that you immediately investigate this matter and remove the inaccurate 90-day late payment notation from my credit report.

Please notify me of the results of your investigation and the removal of this inaccurate information as soon as possible.

Thank you for your prompt attention to this critical issue.

Company response to consumer: Closed with explanation