vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: MS

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$5200.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-16 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: NC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
Im requesting a formal review of a 30-day late payment reported by XXXX in XX/XX/XXXX XXXX The account was fully paid and closed in XX/XX/XXXX, as shown in the attached documentation. This late mark is the only negative item on my credit report and is impacting my credit progress. Ive contacted the creditor and disputed it with XXXX multiple times, providing evidence, but the issue remains unresolved. I respectfully request your assistance in correcting or removing this negative entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: NJ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX XXXX and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX XXXX. If they fail to do so, these items must be removed from my report. 

As more than XXXX XXXX have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant XXXX. 

Moreover, I was affected by the Equifax, XXXX, and XXXX  data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-05-16 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: GA

Complaint narrative:
Ive requested that Equifax, Experian and Trans Union dispute the balance of a student loan be adjusted to the correct amount owed and Im being told that its updated and is correct when the balance showing is not corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: GA

Complaint narrative:
Ive requested that Equifax, Experian and Trans Union dispute the balance of a student loan be adjusted to the correct amount owed and Im being told that its updated and is correct when the balance showing is not corrected

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 2025-05-16 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: WA

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-16 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: TX

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-16 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: AZ

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-16 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: MS

Complaint narrative:
Please consider this a formal request to block and remove the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I authorize their creation. In accordance with USC 1681g, I ask that they be removed within 15 days. Supporting documents are included for your careful consideration. Additionally, the reported account details vary across the bureaus and contain discrepancies.

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 2025-05-16 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
The company has refused to send billing statements to my updated address and continues to charge interest on late fee charges that were accessed on the account. I made several purchases with this company card at XXXX for faulty merchandise and the interest charges on returns were never refunded. The company also charged XXXX late fees when payments were made on the due date without sending out billing statements to the correct address. The company card has closed and they are uses overseas agents who can't comprehend much and make changes to the account because the account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
Exeter Finance is inaccurately reporting a charged-off account they no longer own and failed to update it after multiple dispute notices.

Details : I sent formal written disputes to Exeter Finance regarding account # XXXX. They confirmed in writing that the account was sold to XXXX XXXX XXXX as of XX/XX/2021, but they continue to report the tradeline on my credit report as a charge-off without marking it as Transferred/Sold or Closed. This misleads lenders and violates FCRA 611 and 623 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shepherd Outsourcing, LLC
State: OH

Complaint narrative:
I am routinely getting text messages from XXXX stating that the text is from Shepherd Outsourcing, a debt collector, trying to collect debt for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for which the current creditor is XXXX XXXX XXXX ( XXXX ). I have never had an account or credit card with any of these companies. I pulled my free credit reports from XXXX and XXXX on XXXX, and both verified that I had no accounts in collections and no accounts with any of the aforementioned vendors. I have been deleting and reporting the text messages as " junk '' as I believe this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to TRANSUNION in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

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 2025-05-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: 2288984 Ontario Inc.
State: MI

Complaint narrative:
Spoke with rep to pay something towards old XXXX debt. Wanted to charge XXXXXXXX XXXX process fee, I disputed and they lessened the amount to offset the XXXX XXXX I said moving forward provide me with an address to mail in payments but I am not able to until I get work again. I was not working to pay the XXXX $ from my XXXX XXXX. The calls have been harassing but I said I can give a little or use that to settle. I never received the address but they made egregious attempts to withdraw from my account not authorized and no sufficient funds. Almost every day this week. Calling only more aggressive no plan and said Ill send you to the lawyer. I recorded the interaction. I refuse to settle any longer after that interaction and unauthorized bank attempts. 
No email was sent to correspond with the legitimacy after requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I am requesting that XXXX reopen and escalate my fraud case, investigate the recipients account, freeze the funds if possible, and assist in recovering my {$7000.00}. I also ask that XXXX provide clear answers regarding what actions were taken, what account the funds were deposited into, and whether the recipient has been flagged for fraudulent activity. I would also like XXXX to offer reimbursement or restitution due to their failure to act on a coercion-based transaction that happened at their branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: IL

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for furnishing inaccurate information on my credit report and failing to properly verify the disputed debt in violation of the Fair Credit Reporting Act ( FCRA ). 

I disputed an auto loan account ( # XXXX ) that is listed on my Experian credit report as a repossession, with a balance of {$12000.00} reported as past due as of XX/XX/XXXX. In response to my dispute, the furnisher provided only a contract that lacks a wet ( handwritten ) signature, and a letter from a law firm neither of which serve as valid legal documentation or adequate verification of the debt under FCRA standards. 

In addition : The account reflects continuous repossession status from XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, even though a repossession is a one-time event. 

The monthly reporting of 180 days late after repossession suggests the debt is being re-aged, which is a violation of FCRA and misleading to future lenders. 

No auction documentation, deficiency balance explanation, or itemized breakdown of the current amount owed was provided. 


This is causing significant and unjust harm to my credit profile. 

The creditor could not provide a signed contract. 

The verification provided was a generic letter from a law firm, not from the creditor. 

The account is reporting as a repossession monthly, which is inaccurate. 

No itemized deficiency balance after repossession auction has been 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 2025-05-16 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: CA

Complaint narrative:
This account was wrongly charged off and has been paid off for months. I have went back and forth with XXXX for the last year and reported to XXXX  I still have no resolution. The car was totaled but payments were on autopay, there was never a payment missed. A few months after I saw a charge off on my credit and received a letter in the mail saying I was delinquent. I was never delinquent. I tried to resolve this with XXXX, to the point now where it is completely paid off and it still shows I owe XXXX as a charge off on my credit. I have tried to dispute with Transunion and XXXX does not comply or respond anymore aside from the first complaint where they changed the dispute to charge off and added a note saying consumer disputes. I have my payoff history and received final payment letter from XXXX, yet it is still on my credit with a balance. I have been waiting until this is off my credit to start the process of buying a buy a home and this is wrong on every level and horrible business. I have diligently been trying to work with XXXX and hit a dead end at every turn. I have been dealing with this since 2022 and my credit has taken a major hit because of this. I am not sure why it is okay to play with peoples credit this way.

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 2025-05-16 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXXXXXX XXXX, XXXX. on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I have scheduled, automatic payments from my personal XXXXXXXX XXXX account to my PNC mortgage account and have paid on time since the mortgage originated with the following exceptions. I was not aware that my XXXX payment was not sent from my XXXXXXXX XXXX until I got late notifications. Today I called PNC to confirm and spoke to a representative who told me that they received my payment on XX/XX/XXXX and applied that payment to XXXX. This means that I can not qualify for PMI removal for another year due to their policy. Since there was another automatic payment incident around the same time last year but the rest of my record shows on-time payments every time since 2021. I have been unable to remove my PMI even with a recent appraisal that will demonstrate a LTV ratio of 59 %.

Company response to consumer: Closed with explanation