vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX, I have opened an account with Fifth Third Bank in a branch in Apex, NC and changed my direct deposit to the new account. So far so good. I started using the account right after receiving my debit card. I began writing checks to people I owe money to and changing the bill payments to my new account. On XX/XX/XXXX, I was supposed to receive a deposit of {$23000.00} from my company XXXX XXXX. That deposit still has not posted to this day, leading to multiple checks being returned and repeated overdrafts. I have been going to the branch, explained the situation and was told there's nothing that can be done and XXXX XXXX can not see any funds in the system. I went to their branch on both XX/XX/XXXX and XX/XX/XXXX. This morning ( XX/XX/XXXX ) when I wanted to check if I got my money, I noticed that my password wasn't working anymore. I called customer service and was told that my account has been blocked by the fraud department. I was transferred through multiple departments after I was told that there is an XXXX and the XXXX is 'convinced ' that I'm involved in fraudulent activity. I tried to explain my situation, but to no avail. My account has been 'recommended for closure ' and there's nothing that can be done according to the representative on the phone. First of all, it's extremely degrading and humiliating to be accused of fraud. I have communicated the issue that I'm experiencing several times and also explained the situation to the branch XXXX more than once. The representative on the phone explained, that I can submit supporting documents, but there's no way for me to provide that. The branch already has all my documents and can't do anything with it and my online account where I can upload documents, is inaccessible due to the hold they have placed on my account. Thus, I'm uploading the documents in the upload section below. 

I was told that my account has been flagged, due to too many overdrafts and the account being under XXXX  days old. I totally understand the reason, but restricting my account without even talking to me first, is simply not acceptable. 

I have attached a recent paystub, utility bill, copies of my business documents to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 explanation
Consumer complaint received 2025-04-17 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: AR

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 explanation
Consumer complaint received 2025-04-17 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: AR

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: FIRST CITIZENS BANCSHARES, INC.
State: FL

Complaint narrative:
See CFPB Complaint XXXX. The Companys closing letter needs to be retracted since it is erroneous and untrue insofar as it states I have made any late payments and owe the bank any late fees. What should have been an apology letter from First Citizens is instead a work of fiction to make their numbers look good. They screwed up the acquisition of SVB at least from the mortgage side and they refuse to acknowledge that. I do NOT accept the closing letter from the complaint and I wish to lodge a complaint for fraudulent communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
In Accordance with the Fair Credit Reporting Act. The List of Accounts Below has violated my federally protected consumer rights to privacy and Confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX XXXX Account, Midland Credit Management # : XXXX. Amount : {$430.00} I looked at my XXXX  credit Report on XX/XX/year> and Noticed some things are incomplete and not accurate. And according to the fair credit report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( A ) ( B ). And According to 15 USC 1681 I, II, ( A ) ( 5 ) they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general if, 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 item of information that the Information has been modified or deleted from the file of the consumer. And according to 15 USC 1681 ( 5 ) - ( 2 ) they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Delete account XXXX XXXX XXXX XXXX, Midland Credit Management from from my credit report, because of multiple violations of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The reporting of an incorrect address on my Experian credit account. This address was used for shipping a packaged to a XXXX XXXX XXXX XXXX  in XXXX Florida. This is not my address, I have never lived here has has to be removed. I have contacted XXXX XXXX the reporter of the address and they have updated in their system as well. 

Address : XXXX XXXX XXXX XXXX Address ID : XXXX / Report number : 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 2025-04-17 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-17 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: OH

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-04-17 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:
Inaccurate Credit Reporting and Lack of Proper Notification from XXXX & XXXX I am filing this complaint regarding the mishandling of my federally-backed student loan account, previously serviced by XXXX and currently by XXXX. 

My concerns include the following : 1. I was never properly notified by XXXX or XXXX  that my loan had been transferred.

I did not receive any mail, email, or verifiable phone communication about the transfer of my account. This lack of notice prevented me from taking timely action to maintain my account and avoid unnecessary issues. 2. I was contacted once by phone b
y XXXX, while under XXXX XXXX XXXX XXXX. 
I informed them I was unable to engage at that time and requested a follow-up. No further contact or formal written communication followed.

3. The amount they claim I owe monthly was never discussed, agreed upon, or confirmed with me.

More importantly, that monthly amount is reported differently on each of the three major credit
bureaus XXXX, Equifax, and XXXX  showing clear discrepancies and inaccuracies in their data reporting. This directly affects my creditworthiness and creates confusion around the actual terms of my account.

4. My credit report now shows a delinquency of over 150 days, despite my loan being in deferment at the time of transfer.

I had a clean payment history with XXXX prior to this, and I was enrolled in auto-debit. The negative information reported is unjust and inaccurate.

These actions or lack thereof have caused damage to my credit profile and are in direct violation of the Fair Credit Reporting Act ( FCRA ) and possibly the Higher Education Act, which require proper servicing practices and accurate, consistent credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
Inaccurate Credit Reporting and Lack of Proper Notification from XXXX & Aidvantage I am filing this complaint regarding the mishandling of my federally-backed student loan account, previously serviced by XXXX and currently by Aidvantage. 

My concerns include the following : XXXX. I was never properly notified by XXXX or Aidvantage that my loan had been transferred. 

I did not receive any mail, email, or verifiable phone communication about the transfer of my account. This lack of notice prevented me from taking timely action to maintain my account and avoid unnecessary issues. 

XXXX. I was contacted once by phone by Aidvantage, XXXX XXXX XXXX XXXX XXXX XXXX 
I informed them I was unable to engage at that time and requested a follow-up. No further contact or formal written communication followed. 
XXXX. The amount they claim I owe monthly was never discussed, agreed upon, or confirmed with me. 
More importantly, that monthly amount is reported differently on each of the three major credit bureaus XXXX XXXX XXXX XXXX showing clear discrepancies and inaccuracies in their data reporting. This directly affects my creditworthiness and creates confusion around the actual terms of my account. 
XXXX. My credit report now shows a delinquency of over XXXX  days, despite my loan being in deferment at the time of transfer. 
I had a clean payment history with XXXX prior to this, and I was enrolled in auto-debit. The negative information reported is unjust and inaccurate. 

These actions or lack thereof have caused damage to my credit profile and are in direct violation of the Fair Credit Reporting Act ( FCRA ) and possibly the Higher Education Act, which require proper servicing practices and accurate, consistent credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: OH

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
THIS ITEM IS NOT MINE, AND I REQUEST ITS REMOVAL FROM MY CREDIT REPORT DUE TO INACCURACY. SEEING THESE FRAUDULENT BANKRUPTCY RECORDS IS CAUSING ME SIGNIFICANT DISTRESS. I URGE YOU TO TAKE IMMEDIATE ACTION TO PERMANENTLY REMOVE THEM FROM MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX BANK # XXXX XX/XX/XXXX -- {$1800.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$360.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: NY

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: IL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: IL

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY

Complaint narrative:
I first became delinquent on this debt on XX/XX/XXXX, and it was assigned to ConServe on XX/XX/XXXX. I moved from my residence in XXXX  on XX/XX/XXXX with the intent to become a permanent resident of XXXX, XXXX XXXX. I never received any written notification, calls, or emails from ConServe regarding this debt. I only became aware of it after it appeared on my credit report. 

In XX/XX/XXXX, I called ConServe to ask how I could settle the debt and requested more information. I was told they would follow up after reviewing the account internally, but I never received any further communication, no phone call, letter, or email. 

I have never been properly notified or given a debt validation notice as required under the Fair Debt Collection Practices Act ( FDCPA ). Reporting a debt without proper validation and communication is a violation. 

This unresolved collection account has negatively impacted my credit and resulted in being offered only high-interest financial products. This has caused me to incur avoidable fees and increased borrowing costs. I am requesting that this entry be removed if ConServe can not provide proof that proper notice and validation were provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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