vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: NY

Complaint narrative:
A federal court issued an injunction preventing the XXXX XXXX XXXX XXXX  from Implementing Save and IDR plans under various programs including PSLF. My account was placed into forbearance initially with XXXX when the injunction occurred and then with Ed Financial on the basis of this ongoing litigation. However, I have received several late payments on my credit report without any notification my accounts were being removed from forbearance nor did I receive a notification of incoming bill. This forbearance is said to last until this matter is settled. The injunction is still in place as of XX/XX/year>. I am requesting the no payments/late payments be removed on the basis listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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
Consumer complaint received 2025-03-02 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: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
On XX/XX/year>, I booked a car rental reservation with XXXX in XXXX, XXXX. The problem was that I later found out from the car rental company ( by calling locally and internationally and their website where the provided confirmation number didn't even exist ) that there were no rentals available ( none were available anywhere due to ski season ). When I reached out to XXXX about this concern, they refused to cancel and lied that they could not reach the rental company XXXX XXXX XXXX ). It was an endless runaround where they refused to provide any evidence that confirmation number even existed. In a dispute with the issuer of the card I used, I relayed all these concerns but they completely ignored them in adjudicating my dispute by letting XXXX to use a form response ( including that I canceled for a partial refund after fighting with them for hours but the transcript and email chains I provided clearly show I had no choice after my concerns were ignored ). American Express is facilitating the commission of fraud by the dishonest customer support of this website and failing to protect and help exercise my rights under XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-02 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: OneMain Finance Corporation
State: MI

Complaint narrative:
My information was breached from several companies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
My information was breached from several companies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX * Early Warning Services , LLC * XXXX : Consumer Services * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request to remove accounts from Credit Consumers Dear Early Warnings I am writing to formally dispute the accounts listed on my credit report associated with my name, XXXX XXXX XXXX XXXX : XXXX ). I have previously sent multiple letters requesting proof of documentation for these accounts, specifically regarding the following : XXXX XXXX  XXXX Account # XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX As per the Fair Credit Reporting Act, I have the right to request and receive verification of any debt reported on my credit report. To date, I have not received any proof or documentation supporting the validity of these accounts. 

Therefore, I request that these accounts be removed from my credit report immediately upon your receipt of this letter, as you are required to provide proof of the debt, which has not been furnished. 

Please investigate this matter and provide me with a written response regarding the removal of these accounts. If no documentation is provided to substantiate these debts, I expect these entries to be deleted from my credit report promptly. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This collection company is on my credit file. I do not know who they are. I dont know why I have not received a letter of debt from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CCF Intermediate Holdings LLC
State: AL

Complaint narrative:
Its been a data breach, information stolen, compromised bank account its not my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: I.C. System, Inc.
State: NY

Complaint narrative:
My information was apart of several data breaches. There are several accounts that arent mine, there are incorrect spellings of my name, and incorrect addresses on my credit report. 

XXXXXXXX XXXX XXXXXXXX {$150.00} IC Systems {$330.00} XXXX {$280.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$970.00} XXXX XXXX {$15000.00} These accounts were opened without my knowledge and I am checking my credit and see all of these things here after years of letters saying my info was in a data breach, I didnt think anything of it. I have gotten letters or anything from any of these companies.

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 2025-03-02 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
To Whom It May Concern, I am writing to dispute several inaccurate entries on my credit report. Upon reviewing my credit report, I have identified the following inaccuracies and would like to have them investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which mandates the investigation of disputed information within 30 days. 

XXXX XXXX XXXX Incorrect Personal Information : XXXX. Former : XXXX XXXX XXXX XXXX XXXX XXXX  Request for Investigation and Removal : Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ), I am requesting a thorough investigation into these items and their prompt removal if they can not be validated or corrected. Please ensure that all errors are corrected and that any unverifiable information is deleted from my credit report.

Additionally, in accordance with 15 U.S.C. 1681i ( a ) ( 6 ), I request that you provide me with an updated copy of my credit report reflecting any corrections or deletions made. There should be no fee associated with this updated report.

Please ensure that any relevant parties who have received my credit report within the past six months are notified of these corrections, as stipulated in 15 U.S.C. 1681i ( a ) ( 5 ).

I look forward to your prompt response to resolve these inaccuracies. Should you require any additional information to complete this process, do not hesitate to contact me.

Thank you for your attention to this matter. I expect a resolution within the required 30-day period as mandated by the FCRA.

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
To Whom It May Concern, I am writing to dispute several inaccurate entries on my credit report. Upon reviewing my credit report, I have identified the following inaccuracies and would like to have them investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which mandates the investigation of disputed information within 30 days. 

XXXX XXXX XXXX Incorrect Personal Information : XXXX. Former : XXXX XXXX XXXX XXXX XXXX XXXX  Request for Investigation and Removal : Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ), I am requesting a thorough investigation into these items and their prompt removal if they can not be validated or corrected. Please ensure that all errors are corrected and that any unverifiable information is deleted from my credit report.

Additionally, in accordance with 15 U.S.C. 1681i ( a ) ( 6 ), I request that you provide me with an updated copy of my credit report reflecting any corrections or deletions made. There should be no fee associated with this updated report.

Please ensure that any relevant parties who have received my credit report within the past six months are notified of these corrections, as stipulated in 15 U.S.C. 1681i ( a ) ( 5 ).

I look forward to your prompt response to resolve these inaccuracies. Should you require any additional information to complete this process, do not hesitate to contact me.

Thank you for your attention to this matter. I expect a resolution within the required 30-day period as mandated by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX Is the complaint number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX **Subject : ** FCRA Complaint Regarding Dispute Resolution Exceeding 30 Days To Whom It May Concern, I am writing to formally file a complaint under the Fair Credit Reporting Act ( FCRA ) regarding a dispute resolution process that has exceeded the XXXX timeframe mandated by law. Below are the details of my complaint : XXXX. XXXX XXXX XXXX XXXX - Social Security Number : XXXX - Contact Information : XXXX XXXX XXXX. **Credit Reporting Agency ( CRA ) Involved :, Equifax , Experian, TransUnion ] - Date Dispute Filed : XXXX - Method of Dispute Submission : Online - Description of dispute : validation XXXX. **Violation of FCRA : ** - According to the FCRA XXXX credit reporting agencies are required to complete investigations of disputes within 30 days of receiving the dispute ( 45 days if the dispute is based on additional information provided after the initial dispute ). 
- As of today, [ more than 30 days ] have passed since I submitted my dispute, and I have not received a resolution or any communication regarding the status of my dispute.

4. **Impact on Me : ** - The delay in resolving this dispute has caused [ describe the harm youve experienced,, denial of credit, higher interest rates, emotional distress.

5. **Request for Action : ** - I request that the CFPB investigate this matter and ensure that the credit reporting agency complies with the FCRAs requirements. 
- I also request that the inaccurate information be corrected or removed from my credit report immediately. 
- Please provide me with written confirmation of the resolution of this matter. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: MI

Complaint narrative:
XXXX Is the complaint number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX **Subject : ** FCRA Complaint Regarding Dispute Resolution Exceeding 30 Days To Whom It May Concern, I am writing to formally file a complaint under the Fair Credit Reporting Act ( FCRA ) regarding a dispute resolution process that has exceeded the XXXX timeframe mandated by law. Below are the details of my complaint : XXXX. XXXX XXXX XXXX XXXX - Social Security Number : XXXX - Contact Information : XXXX XXXX XXXX. **Credit Reporting Agency ( CRA ) Involved :, Equifax , Experian, TransUnion ] - Date Dispute Filed : XXXX - Method of Dispute Submission : Online - Description of dispute : validation XXXX. **Violation of FCRA : ** - According to the FCRA XXXX credit reporting agencies are required to complete investigations of disputes within 30 days of receiving the dispute ( 45 days if the dispute is based on additional information provided after the initial dispute ). 
- As of today, [ more than 30 days ] have passed since I submitted my dispute, and I have not received a resolution or any communication regarding the status of my dispute.

4. **Impact on Me : ** - The delay in resolving this dispute has caused [ describe the harm youve experienced,, denial of credit, higher interest rates, emotional distress.

5. **Request for Action : ** - I request that the CFPB investigate this matter and ensure that the credit reporting agency complies with the FCRAs requirements. 
- I also request that the inaccurate information be corrected or removed from my credit report immediately. 
- Please provide me with written confirmation of the resolution of this matter. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX for account XXXX was paid in full now has XXXX balance Im disputing on my credit remove to have remove and someone keep saying its accurate when its not.. the account was paid in full XXXX and the balance is XXXX I have proof of this transaction bank statement, and statement and transaction receipt from online information services

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 2025-03-02 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: CT

Complaint narrative:
I XXXX XXXX am a victim of identity theft, requesting removal and deletion of account from my transunion, Experian, and credit report. I am writing to formally report complaint for a debt of { {$1000.00} } that has been falsely reported on my credit report by XXXX XXXX XXXX. account number XXXX. This debt was allegedly sold to a third party in and does not belong to me. I have verified my records and found no evidence to support this claim, nor have I received any prior notice, billing, or validation of this debt. I believe this reporting is erroneous and violates the Fair Credit Reporting Act ( FCRA ). Specifically, the issue lies in : Lack of Validation : I was not provided adequate verification of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). Erroneous Reporting : The collection does not correspond to any services I have received or authorized. Improper Sale of Debt : This debt originally belonged to the XXXX XXXX XXXX which was indeed sold to a third party XXXX XXXX I was not notified of the transfer, and no valid documentation was provided to substantiate its legitimacy. This false reporting has caused undue harm to my creditworthiness and financial stability. As per FCRA 611 ( a ), I am requesting an immediate deletion I received a negative report on credit report from this 3rd party collection agency Ive never done business with this company or never gave them my personal information I believe this company is illegally using my information and breaking the laws under 15 USc 1601

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
To Whom It May Concern, I am writing to dispute several inaccurate entries on my credit report. Upon reviewing my credit report, I have identified the following inaccuracies and would like to have them investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which mandates the investigation of disputed information within 30 days. 



# # # Incorrect Personal Information : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX # # # Request for Investigation and Removal : Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ), I am requesting a thorough investigation into these items and their prompt removal if they can not be validated or corrected. Please ensure that all errors are corrected and that any unverifiable information is deleted from my credit report.

Additionally, in accordance with 15 U.S.C. 1681i ( a ) ( 6 ), I request that you provide me with an updated copy of my credit report reflecting any corrections or deletions made. There should be no fee associated with this updated report.

Please ensure that any relevant parties who have received my credit report within the past six months are notified of these corrections, as stipulated in 15 U.S.C. 1681i ( a ) ( 5 ).

I look forward to your prompt response to resolve these inaccuracies. Should you require any additional information to complete this process, do not hesitate to contact me. 

Thank you for your attention to this matter. I expect a resolution within the required 30-day period as mandated by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These hard inquiries are not authorized, they are not connected to any open accounts of mine. I do not have business and never have with these companies these inquiries are reporting on my credit report. My information has been affected I received an email XXXX XXXX from XXXX XXXX stating that however I have XXXX inquiries from them which are unauthorized. According to the FCRA any unauthorized inquiries/ accounts must be removed from consumers credit report. FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA my information was obtained in an ally financial data breech which affected millions PII. FCRA section 604 ( f ) provides that a person shall not use or obtain a consumer report for any purpose unless the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under [ FCRA section 604 ]

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