vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XX/XX/year> Subject : Formal Dispute of Inaccurate XXXX  XXXX Bankruptcy Reporting under 15 U.S.C. 1681o ( FCRA Civil Liability ) To Whom It May Concern, I am writing to formally dispute the erroneous reporting of a XXXX  XXXX bankruptcy on my credit report. As per my recent investigation, there is no verifiable proof that this bankruptcy exists or has been validated by the appropriate authorities. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681o, credit reporting agencies have a legal obligation to ensure the accuracy of information reported and may be held civilly liable for willful or negligent noncompliance. 
Furthermore, I have obtained official documentation from the bankruptcy court affirming that they do not verify or validate the accuracy of information reported to third-party services. This proves that the information appearing on my credit report is unverifiable and must be removed immediately in compliance with the FCRA. 
I demand that you provide tangible and verifiable proof that this XXXX  XXXX bankruptcy is accurate, has been properly validated, and is legally reportable under federal law. If such verification can not be provided, I demand the immediate deletion of this inaccurate information from my credit report. Failure to comply with this request may result in legal action against your agency for willful and negligent noncompliance with the FCRA. 
Please respond to this dispute within the legally mandated 30-day period, as required by the FCRA. Kindly send me written confirmation once the incorrect information has been removed. Failure to respond appropriately will leave me with no choice but to pursue further legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially initiating legal proceedings.

I expect immediate corrective action on your part and look forward to your prompt response. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: MD

Complaint narrative:
Subject : Request for Removal of Student Loans Due to Violation of Fair Credit Reporting Act ( FCRA ) ATTN : EDFINANCIAL I am writing to formally request the removal of student loans from my credit report due to a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, resulting from the unauthorized access of my Department of Education ( DOE ) records. These records were accessed and reported without my consent or proper authorization, which I believe violates my rights under the FCRA.

Details of the Student Loan Accounts : Loan Servicer ( s ) or Creditor ( s ) Name ( s ) : EdFinancial Services Account Number ( s ) : XXXX Reported Amount ( s ) : {$110000.00} As a result of this unauthorized access, the student loan ( s ) listed above were reported on my credit report inaccurately and without my permission. I believe that these actions are in direct violation of 15 U.S.C. 1681b, which requires consumer consent for the access and reporting of certain personal information, including student loan data.

I request the immediate removal of these student loans from my credit report due to the following reasons : 1. The DOE records were accessed without my consent or proper authorization.

2. This unauthorized reporting constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
I kindly ask that you investigate this issue and remove the student loan accounts from my credit report as required by the FCRA. Please notify me once the investigation is complete, and provide a copy of any corrected information. 
If you require further documentation or clarification to proceed with this request, please do not hesitate to contact me at the provided phone number or email address. 
Thank you for your attention to this matter. I look forward to your prompt resolution of this issue. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: ID

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am submitting this complaint regarding Citibanks unfair and unreasonable actions related to my credit card accounts. 

In XX/XX/XXXX, Citibank closed all of my credit card accounts without providing any justifiable reason. As a result, I lost all associated benefits, including cash rewards and points rewards. Additionally, after the closure, it became significantly more difficult for me to repay my remaining balance because many functions in the Citibank app were restricted. 

Despite these obstacles, I paid off my entire outstanding balance on XX/XX/XXXX. However, on XX/XX/XXXX, I received a payment reminder stating that I owed an additional {$110.00}. Upon reviewing the charges, I discovered that Citibank continued to apply late fees that compounded over time, even though my accounts had been closed and fully paid off. 

Issues with Citibanks Actions : Unjustifiable account closure Citibank closed all my credit card accounts without any explanation, causing financial inconvenience and loss of rewards. 

Restricted payment access The apps functionalities were disabled after closure, making it unnecessarily difficult to repay my remaining balance. 

Unwarranted fees on a closed account Citibank continued charging late payment fees despite my account being fully paid off and no longer active.

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 monetary relief
Consumer complaint received 2025-03-25 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: DE

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
A credit card " XXXX XXXX' was opened through XXXX XXXX about 3 years ago. The person had statements emailed to them. They maxed card out and paid the minimum for a period of time. Eventually they defaulted on the account. I was not aware of any of this until I went to get a car loan about a year ago. I worked with the bank and the credit collection agency but with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: MI

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments and Inaccurate reporting on an accounts for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following XXXX XXXX acct # XXXXXXXX XXXX acct # XXXX I am requesting a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to fumish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without 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 non-monetary relief
Consumer complaint received 2025-03-25 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I need your assistance in reviewing accounts from companies that have inaccurately reported late payments. After checking my credit report, I noticed certain accounts incorrectly marked as late. These accounts should not have any late payment remarks. Please remove these inaccuracies and update the accounts as positive, as agreed. XXXX already updated my

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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:
I recently reviewed my credit report after discovering my information was illegally exposed in the Equifax Data Breach. The following fraudulent accounts are reporting to my credit report, along with the relating inquiries; XXXX XXXX XXXX XXXX {$320.00}, XXXX XXXX {$0.00}, XXXX XXXX XXXX {$100.00XXXX XXXX XXXX  {$0.00}, XXXX XXXX XXXX {$53000.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$630.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Deposited a business check of XXXX XX/XX/year> at Huntington Bank XXXX. Check had my last name on it but also jewelry. I received a letter in the mail that I needed to sign that says I have the authority to deposit cash the check. On the XXXX I went into the branch I brought in the form and filled it out with the manager step by step to make sure it was accurate. I also gave a copy of my venders license that had my social on it and the business name. They called me on Wednesday asking for paperwork I never had ( articles of incorporation ) I was never incorporated just sole proprietor. I sent in a copy of my social security card and a tax form I had filed. They still refuse to release the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: FL

Complaint narrative:
I filed a dispute regarding an account under the name " XXXX XXXX XXXX '' due to the debtor 's failure to provide a purchase agreement, a method of verification, or a description of the procedure, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Additionally, they unlawfully acquired my personal information without my direct consent. Despite these clear violations, Experian has failed to conduct a proper investigation or provide any substantive evidence negating my claim. Furthermore, I was recently informed that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian, citing its acceptance of unreliable information and its failure to properly notify consumers of dispute results, issues that directly mirror my unresolved case. Despite this, Experian has made no effort to remove or rectify the inaccurate information on my credit report. Given the significant and unjust impact this derogatory mark has on my ability to lease a vehicle and utilize my credit, I am formally requesting its immediate removal or correction. Experians continued failure to take corrective action not only infringes upon my consumer rights but also constitutes a direct violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
I was Sent A letter of debt by Eastern Account Systems Of Connecticut , INC. who stated the were representing XXXX to collect a debt. 

The debt Stated was {$280.00}. 

Since I do not owe XXXX that amount of money I send a debt verification letter to Eastern Account Systems Of Connecticut, INC.On XX/XX/scrub>, 2025 requesting a breakdown of the debt and the amount owed, proof that the creditor is licensed to collect this debt in the state of Illinois and to cease or remove all reportings of debt to any credit agencies until this information is provided. 

I was e-mailed in response to my debt verfication letter on XX/XX/scrub> 2025 with just a copy of the orginal debt. No other information was provided. 

On XX/XX/scrub> 2025 I received a letter from Eastern Account Systems Of Connecticut, INC. in the mail stating that since I didn't not send a letter to verify this debt I am accepting it and they have sent it to the credit agencies.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: MS

Complaint narrative:
In accordance with The FCRA this creditor has violated my rights under 15 U.S. 1681 section 602 states I have rights to privacy. 15 U.S Code 1666b ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the due date.

A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1681 Section 604 ( a ) Section 2 also states a consumer reporting agency can not furnish an account without my written instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: TN

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : XXXX  XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$9600.00} Account Name : RegionsBank Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$19000.00} Account Name : XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1000.00} Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$390.00} Account Name : XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$6300.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$6000.00} Account Name : XXXX XXXX XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$8200.00} Account Name : Regions Bank Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$9600.00} Account Name : XXXX XXXX Account Number XXXX XXXX Open Date : XX/XX/XXXX Balance : {$2500.00} Account Name : Avant Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$38000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XX/XX/year>XXXX  Emailed a lawsuit final judgment Midland Credit Management They are threatening to seize my accounts This account is for XXXXXXXX XXXX XXXX Account XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: GA

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 2025-03-25 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding the reporting of a charge-off on my credit report and its associated negative impact. Despite my efforts to resolve the issue, I am still seeing inaccurate or outdated information on my credit file, and I need your assistance in resolving this matter. The company is XXXX XXXX. 

I acknowledge that the account was charged off, but the creditor has failed to update the account status to reflect that the debt was paid in full, or has not removed the charge-off from my credit report despite my attempts to resolve the matter. 

I have made efforts to request the removal or correction of the charge-off ( via a goodwill deletion request or pay-for-delete arrangement ), but I have not received any adequate response or action from the creditor. 

I am requesting your assistance in investigating this matter to ensure that the information reported on my credit file is accurate and updated. The charge-off is affecting my credit score, and I would like the information deleted if the debt has been paid in full or settled. 

I have already attempted to contact the creditor or debt collector directly to resolve the issue, but I have not received a satisfactory response. I am submitting this complaint to the CFPB for further investigation and assistance.

Company response to consumer: Closed with non-monetary relief