vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
I am submitting a complaint regarding XXXX continued reporting of a closed credit card account ( account ending in XXXX ) that was settled for less than the full balance in XXXX 2022. Despite the account being settled, the credit report continues to show the account as CO ( charge-off ) in the payment history for multiple months following settlement including all of 2022.

This is a clear violation of both the Fair Credit Reporting Act ( FCRA ) and Metro 2 data reporting standards : Violations Identified : Post-Settlement Charge-Off Status ( Re-aging ) : The account continues to reflect CO ( charge-off ) monthly after the date it was settled.

Metro 2 Violation : Once a debt is settled and no longer collectible, data furnishers must stop updating monthly with charge-off indicators.

FCRA 607 ( b ) Violation : This repeated reporting misrepresents the current legal status of the debt and is not the most accurate portrayal of the account.

Balance and Status Conflict : The credit report shows the balance as {$0.00}, states Paid in settlement, and also shows {$11000.00} written off.

Despite this, the monthly history continues to reflect CO after resolution misleading both creditors and scoring models.

Improper Damage to Credit File : The continued CO reporting post-settlement materially harms my credit score by signaling ongoing charge-off activity which is not true.

This repeated negative history artificially extends the derogatory impact, a practice often referred to as re-aging, which is deceptive and prohibited.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: MI

Complaint narrative:
Please block and delete the unauthorized accounts currently appearing on my credit report. I did not authorize or initiate them, and I am unaware of how they were added. Pursuant to USC 1681g, I formally request their removal within the next 15 days. Enclosed youll find the supporting documents for your review. Its also important to note that each credit bureau is reporting different and inaccurate information for these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Hillcrest Davidson & Associates
State: CT

Complaint narrative:
CFPB Complaint Unlawful Debt Collection Practices by Hillcrest Davidson & Associates Debt Collector Name : Hillcrest Davidson & Associates Contact Persons : XXXX XXXX/ XXXX XXXX Email : XXXX Phone : XXXX Date of Incident ( XXXX ) : [ Insert most recent contact date ] Your Name : XXXX XXXX Your Phone : XXXX Description of the issue : I am submitting this complaint because I believe Hillcrest Davidson & Associates has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) by using threatening, misleading, and coercive tactics to collect a debt I was not properly notified of. 

Several years ago, I purchased an XXXX box for a business I was starting. However, due to personal struggles and circumstances beyond my control, I was unable to continue the business or obtain clients. The business is still technically active but has not generated any income. The XXXX device remained unopened and unused for two years. 

At no point did XXXX send me a reminder, invoice, or request to return the equipmentneither by email nor physical mail. I had no idea there was an outstanding issue until I was suddenly contacted by this debt collection firm. 

The collector sent me a message listing threats such as asset seizures, bank account seizures, and lawsuits. The tone was extremely aggressive, stating I was running out of time and referring to someone as a lead investigator, creating the false impression of criminal or legal involvement. 

Feeling threatened and intimidated, I gave them my bank card information and admitted to the debt just to stop the pressure. I also offered to return the new, unused box, but they refused and continued to demand payment. 

I believe their conduct violates the FDCPA because : They made misleading legal threats without having a court judgment. 

They used coercive language and deceptive job titles to pressure me. 

I was not given proper notice or an opportunity to resolve the matter with XXXX before this collection effort began. 

I was not informed of my right to dispute the debt or request validation. 

I request that the CFPB investigate these actions, and I want : My payment information revoked, Collection efforts to cease unless done legally and in writing, XXXX held accountable for not communicating with me about the return process, and A formal review of Hillcrest Davidson & Associates conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MOHELA
State: MI

Complaint narrative:
I graduated in XX/XX/year> and believed I was still within the standard 6 month grace period when my loan entered repayment in XXXX. I was working as a travel nurse in another state at the time, and my email on file with MOHELA was incorrect, so I did not receive notices about repayment resuming. I became aware of the delinquency only after it was reported to the credit bureaus. I promptly brought my account current and am requesting a review or correction of the late payment reporting due to the miscommunication and timing. If my grace period was applied correctly. My account would have been within the 90 day grace period when I contacted them regarding my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Data Mortgage Inc.
State: MD

Complaint narrative:
Ongoing problems w/XXXX  VIOLATING fair credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2025-05-21 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: PNC Bank N.A.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year>XXXX  PNC Bank Customer Service / Collections Department XXXX. XXXX XXXX XXXX, OH XXXX Subject : Formal Dispute and Demand for Validation or Removal of Charged-Off Account To Whom It May Concern, I am writing yet again to dispute the accuracy of the information being reported by PNC Bank on my credit file regarding an account that was closed and charged off. Despite my prior written requests, this account continues to be reported inaccurately and without proper validation across all three major credit bureaus ( XXXX XXXX and XXXX ). 

The account in question reflects the following : Reported Charge-Off Date : XX/XX/year> Balance : {$0.00} Credit Limit : {$300.00} Reporting Agencies : XXXX XXXX XXXX If this debt was indeed canceled or forgiven, I demand a copy of IRS Form 1099-C, as is required by federal tax law. If you can not provide this document, then the continued reporting of this account is not only inaccurateit may be in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

If you can not produce a valid signed agreement and full payment history to validate this debt as mine, and if you refuse to provide a 1099-C, then you must immediately remove this tradeline from all credit reporting agencies.

You are hereby notified that your failure to respond appropriately may result in the following : 1. A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) ; 2. A dispute filed directly with all three credit bureaus citing failure to validate ; 3. Consideration of legal action for damages resulting from inaccurate reporting.

You have 15 days from the date of this letter to respond with proper documentation or to remove this account from my credit reports. 

This is your final notice before escalation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: MS

Complaint narrative:
On XX/XX/year>, at XXXX XXXX I sent a certified letter to XXXX XXXX XXXXXXXX formally requesting validation of the debt they are reporting. Per the Fair Debt Collection Practices Act ( FDCPA ), a consumer has the right to request verification of a debt, and the company must cease collection activity and reporting until they respond. 

As of todays date XX/XX/year>, I have not received any documentation or proof from XXXXXXXX XXXX XXXXXXXX to validate the alleged debt. Despite their failure to respond, the company has continued to report this account to the credit bureaus. This is a direct violation of FDCPA Section 809 ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA ), which prohibit the reporting of unverified or inaccurate information. 

I am requesting that this account be thoroughly investigated and removed from my credit reports, as the company has not provided any documentation to substantiate the debt and continues to report inaccurate data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I purchased a vehicle with Bridgecrest in XX/XX/year> with a 24 % interest rate which was high for me, but I did need a vehicle. This vehicle is a simple interest loan and it should amortize the way a simple interest loan works. Understanding the first few payments would all be interest. I didnt expect the first nine payments to be 100 % interest and every payment that has followed almost all of it has been only interest. Thats not how these loans work these loans are supposed to have interest and principal the more you pay on the loan and if your payments are on time, the interest should go down in the principal should go up to date. I have paid over {$5000.00} on the vehicle And less than {$1000.00} has been applied to principal according to a simple interest amortization schedule on a monthly basis XXXX shouldve been going to interest and the rest of principal for the first 12 payments. Once it hits the two year mark it should be roughly half half-and-half. 

On a loan with Bridgecrest where the contract says theyll get XXXX and interest over a five year period in one year they have collected basically {$5000.00} in interest if you multiply that for the life of the loan as Bridgecrest is telling me for 60 months my loan will accrue {$14.00} of interest every single day That is predatory lending its taken advantage of low income people and that is exactly what theyre doing to me theyre unwilling to negotiate or provide proof of how the loan is to amortize and the only thing they offered to send me is a transaction history. Well, I can see my transaction history and it shows how much is interest and how much is principal and It is not in unison with a simple interest loan. 


Bridgecrest is taking advantage of people their predatory lending theyre violating the FTCFCRA and the CFPB. 

Drive time can either settle alone for less than whats owed based on the interest that theyve collected Or they can refund all the interest and the principal income, collect their collateral back as if weve never done business and resend the contract Or they can readjust the money theyve applied correctly based on how a simple interest amortization works Ive also filed a complaint with the XXXX. I was reached out to by XXXX who politely advised me that my account crew {$14.00} worth of interest every day for 60 months. Thats not how these loans work and I need someone to assist me with making this right because this company is again taking advantage of people that need vehicles with their extremely high interest And then they take all the interest first so that you can never pay the car off or refinance it because youre completely upside down in the vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: CO

Complaint narrative:
XXXX XXXX ( CLOSED ) Account Number or other information to identify account : XXXX Source of dispute information : Equifax Report Confirmation XXXX Type of disputed information : Credit account/tradeline Explanation of item being disputed : Date Opened is reporting as XX/XX/XXXX but the Payment History for XX/XX/XXXX is incomplete. Please contact the furnisher to update the incomplete data Payment History for XX/XX/XXXX is incomplete. Please contact the furnisher to update the incomplete data. 
Date of Last Payment is incomplete. Please contact the furnisher to update the incomplete data. 
Date of Last Activity is incomplete. Please contact the furnisher to update the incomplete data. 
Amount Past Due is incomplete. Please contact the furnisher to update the incomplete data. 
Date closed is incomplete. Please contact the furnisher to update the incomplete data. 
Date of First Delinquency is reported as XX/XX/XXXX but the Payment History for XX/XX/XXXX is reported as Paid on Time. One or both are inaccurate, please contact the data furnisher to update the inaccurate data. 
Delinquency First Reported is reported as XX/XX/XXXX but the Payment History has XX/XX/XXXX as the first 30 Days Past Due reported. One or both are inaccurate, please contact the data furnisher to update the inaccurate data. 
The Date Reported is XX/XX/XXXX but the Payment History for XX/XX/XXXX is incomplete. Please contact the furnisher to update the incomplete data.

High Credit is incomplete. Please contact the furnisher to update the incomplete data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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:
Given that I did not create these unjust accounts and was unaware of their existence, kindly remove them from my credit report. I anticipate having them removed within 15 days in accordance with USC 1681g. Please refer to the supporting materials provided.

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 2025-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Dave Operating, LLC
State: OH

Complaint narrative:
I have contacted Dave Support team on XX/XX/year> to understand their policy when you can borrow before your card expires. In my conversation with XXXX, she advised Dave does not extend loans when you card is 90 days close to expiring and I should get another card with a new expiration date. To have a policy that people can not abide by unless they sacrifice not having a debit card for 1-2 weeks while their card is disabled and waiting on a new one just to borrow until the next paycheck. This will put people more into a whole than intended. Most banks do not send a replacement card for expiring cards until at least 3 weeks before the card expires.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
Hi, I am writing to correct my personal information on my credit report as it is inaccurate and I am having trouble with my credit applications because of it which is extremely frustrating. Please take action on this as soon 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 2025-05-21 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: Nelnet, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account related to my time at XXXXXXXX XXXX XXXX I am formally disputing this account because it is based on false information. 

I was last enrolled in XXXX XXXX. I was not registered for Fall XXXX, yet XXXX XXXX XXXX is claiming I owe a balance from that term. In response to my formal dispute and request for validation, they provided only a term registration summary, not an enrollment agreement or an itemized breakdown of charges. 

Even more concerning, all the status dates on the summary they provided say XX/XX/year>, which inaccurately implies I was enrolled when I was not. This is not sufficient validation of the debt and appears to be an attempt to re-age the account, which violates the Fair Credit Reporting Act ( FCRA ). 

This continued reporting has caused serious damage to my credit and resulted in me being denied housing multiple times. At one point, it contributed to me experiencing homelessness. I am working to rebuild my financial stability, and this unverifiable and harmful debt is standing in the way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
i was victim of identity theft, i filed all my proper paperwork my affidavit my police report and my dispute letter, i also took the proper steps using my consumer laws and incorrect addresses are still appearing and reappearing on my credit profile such as XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX, ,and also still XXXX hard inquires from XXXX XXXX  XXXX, and XXXX that i did not authorize, also XXXX collection from XXXX XXXX XXXX that i did not authorize and i need them removed immediately, or i will have to move forward to the courts with this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-21 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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