vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 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: PNC Bank N.A.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against XXXX regarding its failure to conduct a proper investigation into inaccuracies on my credit report. I have submitted XXXX separate dispute letters to XXXX, yet they have failed to adequately investigate and correct the errors as required under the Fair Credit Reporting Act ( FCRA ). Despite my repeated attempts, the inaccuracies remain on my report, negatively affecting my credit score and financial well-being. 

Below is a summary of the inaccurate information I have repeatedly disputed with XXXX : PNC- Account # XXXX XXXX XXXX File No. : XXXX XXXX account open XX/XX/XXXX but there is no data reported XXXX account charged off XX/XX/XXXX ; then why is it still reporting data on a closed account XXXX XX/XX/XXXX, there is no data reported when there should always be data reporting XXXX if this is my alleged debt then why is there no terms reported to an agreement XXXX there is no monthly balance reported ; if this is an alleged debt for a credit card there should be a monthly balance that i owed each month XXXX my report from XXXX XXXX XXXX XXXX XXXX  has no data reported XXXX XXXX  is reporting that i made 98 % of on time payments but yet XXXX  has my account labeled as charged off XXXX my information was sent to a collection agency w/o my consent XXXX if XXXX XXXX received my information directly from XXXX  then the reporting should be similar or identical since they are going based off what XXXX sent them XXXX why is a collection agency contacting me about a closed account and trying to collect funds XXXX this alleged debt is OVER XXXX XXXX XXXX, why is it still being reported, this is a direct violation of my rights provided to me by the FCRA Despite providing supporting documentation with each dispute letter, XXXX has failed to remove or properly verify the incorrect information. If ( XXXX ) investigation were conducted then how is all of these inaccuracies still being found on my report. Their failure to conduct a thorough investigation and provide me with a reasonable resolution violates my rights under the FCRA. 

I am requesting that the CFPB intervene and require XXXX & XXXX XXXX  to either update my records to show PAID IN FULL/NEVER LATE or DELETE/REMOVE this from my credit report Please find attached copies of my previous dispute letters, supporting documentation, and any responses received from XXXX. I appreciate your prompt attention to this matter and look forward to your assistance in resolving these inaccuracies. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Im writing because Ive noticed a credit inquiry on my report that I did not authorize. I want to be clear : I never gave permission for this company to pull my credit, and I have no idea how this happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The late payment remark on my credit report is negatively affecting my FICO score, and I am requesting its removal to ensure that my credit profile accurately reflects my financial responsibility. Since payment history makes up approximately 35 % of my FICO score, it plays a critical role in determining my creditworthiness. Even a single late payment can lead to a significant decrease in my score, particularly if I have previously maintained a strong record of timely payments. 

This incorrect late payment is unfairly impacting my ability to access financial opportunities, including loan approvals and competitive interest rates. Because lenders and financial institutions heavily rely on FICO scores when assessing risk, this erroneous remark could result in increased borrowing costs or even credit denials. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute inaccurate or unverified information on my credit report. If this late payment can not be substantiated or is found to be incorrect, it must be removed immediately. Additionally, I am requesting a goodwill adjustment from the creditor, as my history of responsible financial management demonstrates that this late payment does not accurately reflect my reliability.

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 2025-03-08 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: FL

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-03-08 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I was 90 days late on payments unknowingly, never received a letter in the mail or phone call and emails were going to the wrong address. I just had a child so life kind of got busy, but when I did log in remembering to check it I saw I was late, made a XXXX dollar payment XX/XX/XXXX and within minutes several of my credit apps went off with alarms showing I had just received an almost XXXX point hit to my credit. They claim to have been reporting the entire time but I have documentation on credit apps showing other wise from XXXX, XXXX, XXXX XXXX and a few others. My score dropped the same date and time I payed XXXX dollars towards the debt. I paid an additional XXXX on the XXXX of XXXX to get my account current and took another hit on the XXXX because of their processing times pushed the payment past their due date of the XXXX of the month. I paid an additional XXXX to get ahead by 4 months. I called on XX/XX/XXXX and XXXX and asked if they could update with the credit companies to show my account as current which it is. They said no they will only report at the end of the month. When all of this happened I was in the process of getting a mortgage. Due to the initial hit my mortgage application was denied. While I understand that Aidvantage follows a standard reporting schedule, waiting 30 days to update my account is unreasonable given the circumstances. I have already paid over {$2000.00} to bring my account current, with an additional {$1400.00} to pay it 4 months into the future. this delay is actively preventing me from securing a mortgage. The home Im trying to purchase is at risk of being sold, and this delay is putting me at a significant financial disadvantage through no fault of my own. Accurate reporting should not be delayed due to internal procedures when the information is already available and verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: Larry H. Miller Group of Companies
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX PRESTIGE FIN Attn : XXXX Department XXXX XXXX XXXX XXXX UT XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request the removal of a hard inquiry that was placed on my credit report by your company. I recently reviewed my credit report and noticed the inquiry made on XX/XX/XXXX. After further consideration, I believe that this inquiry was either made in error or without my authorization. 
According to my understanding, hard inquiries should only be made with the consent of the individual or under specific circumstances, and I do not recall providing such authorization for this inquiry. Therefore, I respectfully ask that you review this matter and remove the inquiry from my credit report. 
I understand that credit reporting agencies have protocols in place for handling such disputes, and I am happy to provide any further information or documentation that may be necessary to facilitate the resolution of this issue. 
I would appreciate your prompt attention to this matter. Please confirm in writing once the inquiry has been removed or if any additional steps are required from my side. 
Thank you for your time and understanding. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: NY

Complaint narrative:
I am requesting that you immediately correct and/or delete the following items from my credit report, as they do not accurately reflect my credit history. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to an accurate and complete report, and I am asserting my legal right to have these items corrected. 

Please be advised that I am exercising my right to dispute inaccurate information under the Fair Credit Reporting Act, which requires you to investigate these matters thoroughly. I am also aware that the Consumer Financial Protection Bureau ( CFPB ) recently filed lawsuits against XXXX and XXXX for conducting sham investigations, and I expect a thorough and complete investigation of each disputed item as per the law. Failure to resolve these disputes accurately may result in further legal action. 

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) Please validate the information, as I have no knowledge of this debt. If you fail to provide adequate verification within the required 30-day period, I demand that you remove this collection account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nav Technologies, Inc.
State: TX

Complaint narrative:
I haven't been late on any of my payment obligations but for some reason NAV is falsely reporting XXXX  late payments on my credit report and I demand that be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Transunion File number : XXXX I have enclosed XXXX XXXX letter of deletion!!!! I am demanding that you delete this immediately Bankruptcy # XXXX ( Nevada ) This is proof that Transunion is Direct Violation of : 15 USC 1681 A2b, 15 USC 1681 b, 15 USC 1681 a, Rule ( 9037 ), My name is XXXX XXXX XX/XX/year> Re : Bankruptcy # XXXX State Of Nevada I am writing to you because I have bankruptcy information appearing on my Consumer Report Case number XXXX State of Nevada Transunion stated verbatim from that the information was indeed verified by : ( Nevada Bankruptcy Court ) State Of Nevada US Bankruptcy Court The court house responded that this is either an error or a lie!! They never verified anything at all!! I have no bankruptcies on file at all!! XXXX XXXX has also deleted this fraudulent information as it was determined that this is a case of mistaken identity!! I am demanding that Transunion as well as Transunion Rental Screening, as well as XXXX, Delete this information immediately This inaccurate fraudulent information is still appearing on my Transunion Credit Report!! Transunion is in direct violation of : 15 USC 1681 A2b.

I have enclosed documentation!! This is a violation of the FCRA, a violation of my rights as a consumer!! Transunion is reporting fraudulent information illegally!! I am demanding that this is deleted immediately off of my consumer report!! If this is not deleted immediately!! I will contact my attorney!! Transunion is in violation of reporting an error or a lie!! according to them ( Transunion ) they got this information verbatim directly from the courthouse!! The courthouse determined that was an error or a lie I was told verbatim that the court did not verify as such therefore, this is an error or a lie .. Transunion are reporting inaccurate information!! This is caused mental anguish and stress due to the fraudulent statements reported by Transunion!! I have a right to a fair and accurate credit report according to the FCRA Transunion is guilty of violating my rights as a consumer they are continuing to report false information!! I am demanding that this bankruptcy is deleted immediately off of my consumer report : Bankruptcy # XXXX I demand this is deleted immediately!! If not I will contact legal authorities as well as my attorney!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-08 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: IN

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removeddisputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
This credit card keeps changing available limits for absolutely no reason. It was {$10000.00}, then {$4500.00}, then {$1500.00}. I have an excellent credit score, so there's no reason for the card to do this.

I finally got the card back to the correct limit with Synchrony Bank, and they continue to report the card limit incorrectly to XXXX. I can clearly see that it is a {$10000.00} limit, and they're still reporting it as {$1500.00}. XXXX has been absolutely ZERO help with this. PLEASE ADVISE AND FIX ASAP!!!! 

SYNCHRONY BANK IS TERRIBLE!!!! AVOID AT ALL COSTS!!!!!

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 2025-03-08 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: FL

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

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 2025-03-08 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: DC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-03-08 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: FL

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 response to consumer: Closed with non-monetary relief