vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I looked at my report back on XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX  Account Number : XXXXXXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX   Account Number : XXXX  are not complete and accurate.

I sent a letter asking them to make sure everything is complete and accurate Its been over 35 days with no response and according to 15 USC 1661i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

They also violated these laws And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or 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 explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to further let CFB know the complaint I submitted under case number XXXX, which I reported On the XXXX of XXXX .At approximately XXXXXXXX XXXX I logged into my account to check for any updates or activity. I was able to access the account briefly, but within two hours around the time my complaint was received I was locked out. This sequence of events raises serious concerns about potential retaliation.

It is deeply troubling to be penalized for reporting a legitimate issue. The abrupt closure of my accounts and revocation of online banking access appear to be punitive rather than procedural. While I understand that PNC reserves the right to close accounts, the timing and lack of transparency suggest this may have been a retaliatory action.

Additionally, the account was overdrawn by approximately {$2000.00} due to unauthorized or questionable transactions. I had expected PNC to investigate and resolve the matter fairly, especially considering the lack of support I received from XXXX XXXX Instead, I was contacted by someone from the Executive Office, who repeated the same information I had already been given. She mentioned she would follow up on Thursday, but I have yet to receive any meaningful resolution. 

PNCs decision to close all of my accounts and revoke access to online banking was justified by citing historical usage, yet similar claims were previously approved without issue. This inconsistency is confusing and unfair. I had significant deposits scheduled to arrive in those accounts, and now Im forced to reroute them elsewhere an inconvenience that could have been avoided with proper communication and care. 

I am requesting that this matter be escalated and reviewed thoroughly. I am also open to pursuing arbitration, as outlined in your customer agreement. Please provide the necessary steps to initiate that process. 

Thank you for your attention to this matter. I look forward to a prompt and fair resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: MO

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit report shows late payment entries that I believe are incorrect. Pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, the information on my report must be accurate, complete, and verifiable. I am requesting verification of these late payments, and if they can not be validated, that they be corrected or 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 non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I am submitting this complaint regarding my Public Service Loan Forgiveness ( PSLF ) qualifying payment count. 

I was employed full-time with a qualifying PSLF employer in XXXX and XX/XX/year>. I was enrolled in an income-driven repayment plan with autopay active. However, because of the MOHELA Department of Education servicing transition, my account was placed into an administrative forbearance for these two months. I never requested or consented to forbearance. 
As a result, those months are being marked as ineligible for PSLF. I contacted Federal Student Aid, and they responded in writing that XXXX and XX/XX/year> will not count toward PSLF due to the administrative forbearance. 

This is unfair and inconsistent for several reasons : Borrowers, including myself, were told during the transition that PSLF progress would not be harmed. 

Other involuntary forbearances imposed by the Department of Education, such as the COVID-19 pause, did count toward PSLF. Treating this transition forbearance differently is inconsistent and arbitrary. 

I met all PSLF requirements : full-time qualifying employment, IDR enrollment, and autopay. The only reason my payments were blocked is because the servicer imposed forbearance without my consent. 

Forbearance is supposed to be a borrower choice. Denying PSLF credit for months of involuntary forbearance penalizes me for something I did not choose and could not control.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-23 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: OH

Complaint narrative:
To Whom It May Concern, Re : Request for Removal of Reported Late Payment XXXX XXXX Account # XXXX XX/XX/year>, ERROR PLEASE DELETE XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX error please delete. I am writing regarding a late payment that has been reported on my XXXX XXXX XXXX account. I respectfully request that this late payment be removed from my credit report. This single late payment does not reflect my usual payment history, and I have otherwise maintained a positive relationship with XXXX XXXX XXXX. I value our relationship and am asking for a goodwill adjustment to remove this late payment as a courtesy. Additionally, I believe this reporting may violate provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681 ( Section 602 ) : affirms my right to privacy in consumer reporting.

15 U.S.C. 1681b ( a ) ( 2 ) : states that a consumer reporting agency can not furnish my informationwithout my written instructions.

15 U.S.C. 1681b ( 2 ) : prohibits creditors from treating a payment on an open-end consumercredit plan as late for reporting purposes. 
Based on these protections, I request that the late payment entry associated with this account be removed from my credit file. 
I am confident this adjustment will accurately reflect my responsible payment history and continued commitment to maintaining a positive financial relationship. Please confirm in writing once the requested correction has been made. 
Thank you for your time, consideration, and assistance.

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 2025-09-23 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: OH

Complaint narrative:
To Whom It May Concern, Re : Request for Removal of Reported Late Payment XXXX XXXX Account # XXXX XX/XX/year>, ERROR PLEASE DELETE XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX error please delete. I am writing regarding a late payment that has been reported on my XXXX XXXX XXXX account. I respectfully request that this late payment be removed from my credit report. This single late payment does not reflect my usual payment history, and I have otherwise maintained a positive relationship with XXXX XXXX XXXX. I value our relationship and am asking for a goodwill adjustment to remove this late payment as a courtesy. Additionally, I believe this reporting may violate provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681 ( Section 602 ) : affirms my right to privacy in consumer reporting.

15 U.S.C. 1681b ( a ) ( 2 ) : states that a consumer reporting agency can not furnish my informationwithout my written instructions.

15 U.S.C. 1681b ( 2 ) : prohibits creditors from treating a payment on an open-end consumercredit plan as late for reporting purposes. 
Based on these protections, I request that the late payment entry associated with this account be removed from my credit file. 
I am confident this adjustment will accurately reflect my responsible payment history and continued commitment to maintaining a positive financial relationship. Please confirm in writing once the requested correction has been made. 
Thank you for your time, consideration, and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I received a letter in the mail from midland credit management located in XXXX XXXX. The letter states if I dont take action to pay off the debt of {$4800.00} they are sending a local attorney to sue me. I called to verify the website was legitimate since I dont want my identity compromised or possible pay to a fraudulent company. I spoke to a representative and asked for an itemized receipt of the amount to prove that the amount is legitimate and true. She could not provide me with that document. She said she could give me a discount on the amount of {$4800.00} to {$3800.00}. That I can pay the {$3800.00} in two payments which would be a total of {$1900.00}. I dont want this third party debt collector to sue me in behalf of XXXXXXXX XXXX  XXXX I want to dispute the amount for much less as I wanted an itemized receipt to verify that the amount was correct. I wasnt able to see anything nor they were able to provide me with that information. I want to dispute it for a much more less amount. Something I can work with so I can be taken off my XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
My husband and I moved out of our apartment complex ( XXXX at XXXX ) in XX/XX/XXXX. XXXX XXXX or early XXXX, we received the last bill from the apartment complex and we did not agree with the amount charged for water and sewage. Our lease states that as tenants we have a right to examine the records and I repeatedly asked for this information and never received it. I called the company that handled the utilities ( conservice ) twice and the first time they didn't bother to send me anything while the second time they just sent the bill I already had, not the statement with the meter information that I requested. The property management was the one calling me to collect the amount and I repeatedly asked the lady ( XXXX from XXXX ) to send me the itemized bill and that I did not agree with the amount and I asked her if I wanted to dispute it, should I go through her or call the apartment complex. She said the dispute would go through her but I still never received the information I was requesting. After some time, we received a call from collections about this bill and I reached out to XXXX and told her I never received the information I directly asked her for and she just replied that out account is no longer with them and I had to deal with the debt collectors now.

I spoke with the debt collectors ( Columbia Debt Recovery LLC DBA Genesis ) on XX/XX/XXXX and told them all I wanted was proof that the bill was correct and they told me that they legally did not have to provide me with that information and that I owed the full debt. I asked them to no longer call me or contact me. 
I got a lawyer to send a first letter to Genesis on XX/XX/XXXX requesting proof of this debt and they responded on XX/XX/XXXX by sending the final bill I initially received from XXXX. I filed a complaint to the Public Utility Commission of Texas ( PUTC ) regarding the bill and how I did not agree with the amount and they investigated on my behalf. On XX/XX/XXXX I received the response from PUTC stating that XXXX did not provide them with sufficient evidence on my final bill and therefore the bill was not verifiable. My lawyer sent a second letter to Genesis on XX/XX/XXXX with the PUTC findings attached but the letter was not received by Genesis. A third letter was sent again on XX/XX/XXXX with the XXXX findings and on XX/XX/XXXX, Genesis responded by sending the same bill again even though the XXXX  clearly stated that bill was not verifiable.

This debt has been on my credit report as a derogatory claim and it has negatively affected my credit score, dropping it more than XXXX points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have identified collection accounts on my credit report that I believe include inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a credit report that is accurate and verifiable. I am requesting a review of these accounts, and if they can not be confirmed as accurate, they should 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 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Late payment entries on my credit report appear to be inaccurate. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, only accurate, complete, and verifiable information should be included. I request verification of these entries, and if they can not be confirmed, they should be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo received an unauthorized and incomplete application for credit on my behalf. 

Wells Fargo did not verify the information on the application and subsequently accessed my credit reports unlawfully with no permissible purpose. FCRA states that there must be a permissible purpose and there was none. 

I obtained auto financing with another lender before visiting the dealership, and therefore, there was no purpose for Wells Fargo to access my credit. 

I contacted Wells Fargo, requesting that they remove the inquiry, because it was inaccurate. Wells Fargo refused to properly investigate and remove the inquiry. Instead, they sent me a letter with a copy of an incomplete application, stating I requested {$30000.00} with no proof.

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 2025-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
These Collection accounts need to be deleted from all XXXX  credit bureaus according to 15 USC 1692c 15 USC 1692g 15 USC 1681e ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: VA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief