vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I moved out of my apartment at XXXX XXXX XXXX XXXX in XXXX XXXX, Tx. and was charged {$4500.00} for a broken lease charge. I turned in my keys to management. I told them I had to move out early. To take my deposit as part of the early move out. This is unacceptable, irresponsible and taking advantage of me as a consumer. I want this collection off of my 3 credit reports. Also the Collection Agency is NATIONAL CREDIT SYSTEMS INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: NV

Complaint narrative:
This is my numerous requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: NV

Complaint narrative:
This is my numerous requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-04-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA, and your responsibility is to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paramount GR Holdings, LLC
State: VA

Complaint narrative:
We was told by XX/XX/XXXXwho now out of business they would buy tax credit and our debt would be {$30000.00} after taking to goodleap which is who done finance for XX/XX/XXXX that i was having issues with my panels i keep getting error messages on top my electricity bill still running {$400.00} to {$700.00} a month a senior officer name XXXX said they are help people from XX/XX/XXXX because we can't get no one to service these panels because it not their panels. Then he saysXX/XX/XXXX said they system working correctly and I again send him screenshot of error and pictures of my panels and one or two panels are black meaning not working and they refuse to do anything and then processed to tell me that we are indebted to them for {$75000.00}. We need help for us and all other customers of XXXX who was made all these promises like our electricity bill would only be {$9.00} a month and still getting $ XXXX {$700.00} electricity bill this place has been calling me 20 times a from all different kinds of number one has the name loanpal never heard of the and ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) area code threaten me we gon na turn your solar off and put lien on your property but I know from where I took some law class when that senior office said they was fix the problems XXXX XXXX left all their customers in made the illegally accountable for fixing and right the wrongs they refuse to do say say now it not they job to make sure they work it they job to collect the money and they didn't even turn my system on they called me and told me i had to flip the switch after XXXX gave them the right away

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: GA

Complaint narrative:
Subject : Complaint Against XXXX XXXX XXXX XXXX XXXX FCRA & FDCPA Violations Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against XXXX XXXX XXXX XXXX XXXX  regarding inaccurate and potentially fraudulent information being reported on my credit reports. 

Account Information : Creditor : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Reporting : XXXX days late and over the credit limit Violations : FCRA 623 ( a ) ( 1 ) ( A ) : Reporting inaccurate information without reasonable investigation.

FDCPA 807 : Continued reporting of an unverified and potentially fraudulent debt. 

FCRA 609 ( a ) ( 1 ) : Failure to provide verification and accurate information upon request. 


XXXX XXXX is inaccurately reporting this account with late payments and over-the-limit status without providing proper validation. I have requested verification, but the creditor has failed to furnish signed documentation proving this debt belongs to me

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 2025-04-01 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: NC

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 CKS XXXX XXXX, XXXX, has violated my rights. 
15 U.S.C. 1681 section 602 A States I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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

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 2025-04-01 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:
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 CKS XXXX XXXX, XXXX, has violated my rights. 
15 U.S.C. 1681 section 602 A States I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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

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 2025-04-01 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: NJ

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
Subject, Dispute of Inaccurate Personal Information in Credit Report.Iam submitting this dispute to the CFPB regarding inccuracies in my personal information as reported in my credit report by Eperian Information Solution INC. Detail of the Dispute, 1.Oudated Address.

My current residential address is, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX However, my credit report shows an outdated address,XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX, request that my current address be updated accordingly.

Supporting Documentation. 
A copy of my drivers license displaying my correct name. 
A recent utility bill or bank statement showing my current address.

A copy my SSN.

I request tha Experian Information Solutions INC investigate this matter and provide me with written confirmation once the update have been made .Additionally I would like to receive an updated copy of my credit report refleting these changes.

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 2025-04-01 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: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
I recently fount an fraudulent account on my credit report. 
US DEPARTMENT OF EDUCATION XX/XX/year> US DEP OF EDXXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-04-01 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: NY

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
**Subject : Follow-Up Complaint Against Mariner Finance , LLC Unresolved Predatory Lending Practices** To Whom It May Concern, I am writing to formally **escalate my complaint** against **Mariner Finance, LLC**, as their response completely fails to address the predatory nature of their lending practices and the **excessive, unjustifiable interest rate of 23.01 % ** that continues to trap me in an unsustainable debt cycle. 

Despite only receiving ** $ XXXX from Mariner Finance , I am being forced to pay back a staggering ** $ XXXXmore than double the amount borroweddue solely to their outrageous interest fees. This is an **exploitative lending scheme** that preys on consumers, ensuring they remain in prolonged financial distress rather than providing reasonable terms for repayment. 

While Mariner Finance acknowledged my cancellation of the optional insurance products and refunded those charges, this minor adjustment does **nothing** to correct the core issue : the fact that my balance continues to grow **unreasonably**, making it nearly impossible to escape this cycle of debt. My **monthly payment of $ XXXX is overwhelmingly swallowed by interest rather than reducing the principal, proving that this loan is structured to keep borrowers paying indefinitely rather than providing a fair repayment path. 

I am demanding that Mariner Finance **immediately reduce or remove this exploitative interest rate** and adjust the loan balance to reflect a **fair and reasonable repayment amount** based on what I actually borrowed. Their refusal to address this matter is unacceptable, and I am simply looking for them to be held accountable for these predatory lending tactics. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: GA

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall 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 the accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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:
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 Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX has violated my rights.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer 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 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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:
I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX Balance {$400.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-04-01 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:
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 XXXXXXXX : Account Number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX I looked at my Experian credit report on XX/XX/2025 and noticed some things are incomplete and not accurate and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to the information concerning the individual about whom the report relate according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of accurate or unverifiable information ( A ) In general, 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 information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681 1s-2 they are supposed to not furnish any information related to a consumer to any reporting agency if the person knows or ha reasonable cause to believe the information is inaccurate

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 2025-04-01 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Subject : Formal Dispute of Inaccurate and Outdated Account on My Credit Report Dear Consumer Financial Protection Bureau, I am submitting a formal complaint regarding an inaccurate and outdated account that remains on my XXXX credit report in violation of the Fair Credit Reporting Act ( FCRA ). 

The details of the disputed account are as follows : Creditor Name : [ COMENITYBANK/XXXX  ] Account Number : [ XXXX ] Date of First Delinquency : 2015 This account is both outdated and does not belong to me. According to FCRA 15 U.S. Code 1681c ( a ) ( 4 ), negative accounts must be removed from credit reports after seven years from the original delinquency date. Since this account dates back to 2015, it should no longer be reported and must be removed immediately.

Additionally, I have requested verification of this account, including a full copy of the original contract with my signature, from XXXX. To date, they have failed to provide this documentation. If XXXX and the creditor can not produce legal proof that I am responsible for this debt, they are in violation of federal law by continuing to report it. 

I am requesting that the CFPB investigate this matter and ensure XXXX complies with the FCRA by removing this inaccurate and outdated account from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I am reaching out once again regarding an unresolved issue with a wire transfer and would greatly appreciate your urgent assistance. 

On XX/XX/XXXX, I inadvertently scheduled a wire transfer of {$5000.00} to an incorrect PNC account. I immediately contacted my bank ( XXXX ) and requested a recall of the transaction on the same day.

Since then, it has now been nearly three months, and we have yet to receive a resolution. XXXX XXXX has attempted to contact PNC more than 10 times regarding this matter, but unfortunately, they have not been able to reach anyone or receive a response from PNC bank 's team. Despite this, we continue to be told that XXXX must contact PNC directly, which has proven ineffective due to the lack of response.

This situation is causing significant concern, and we are kindly requesting your immediate intervention to help facilitate communication with XXXX and resolve this matter as soon as possible.

Company response to consumer: Closed with explanation