vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: ME

Complaint narrative:
Continue to receive incessant emails similar to the following from TrueAccord for a XXXX balance owned by XXXX XXXX XXXX, my uncle, who has been deceased for XXXX and half years. He had no account with XXXX. 

TrueAccord logo Start a plan for this balance of {$460.00} owed to XXXX XXXX XXXX XXXX! 

Installment plans start at {$38.00} Customize A plan You can customize your payment schedule and frequency for this offer. If you arent interested in this plan, you can always build your own plan through our website! 

XXXX XXXX XXXX This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 

Please read below for important disclosures. 

Your XXXX account number is : XXXX Unsubscribe Privacy Policy Dispute this debt Need help? Call us at ( XXXX ) XXXX ( TTY XXXX ) between Monday - Friday, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 2025 TrueAccord Corp . 
XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX ACA logoRMAi logo We collect personal information to provide our services. We do not sell personal information. Most of the information we have is provided to us by the current creditor and/or collected directly through the use of our services, emails, web applications, and phone calls. For more details on how we use, share, and delete personal information see our Privacy Policy.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2025-05-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX different calls with tech support on no online access. 
Links to XXXX, Harbor Freight, XXXX, XXXX, XXXX, XXXX 's camera, XXXX, XXXX, not working when logging in from their sites nor showing from Mysynchrony or synchrony site. Have done a screen share with XXXX tech support person and a XXXX call on XX/XX/year> which went to XXXX at tech support. They would not supply a ticket. they stated they could send me paper statements, however, that too would be XXXX days. They have seen and per their tech support, are aware of the issues when they had a failed upgrade. 

I get and have the emails for account statements which bring me to the same page as my other accounts, however, not to the above accounts. I can not see my statements, no make future payments as I have been doing. 

I believe they should be at minimum fined for this issue and their response to me is to call them to make payments. Again, at my time and expense. This too should be reimbursed to me. All emails show my statement links have been saved.

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 2025-05-05 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX  credit report on XX/XX/year> 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 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.

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 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
To Whom It May Concern, I am submitting this statement as part of my FTC Identity Theft Report regarding a fraudulent collection account that has appeared on my credit file. The account was opened in my name by XXXX XXXX without my knowledge or authorization. 

This account is not mine. It was created as a result of identity theft in which my personal information was compromised and sold without my consent. I have no relationship with this bank or agency, nor did I authorize any transactions or accounts with them. 

I am requesting that this fraudulent collection account be permanently removed from my credit file. I have also contacted the credit bureaus and submitted a dispute directly with them. 

Please take all necessary actions to assist in rectifying this issue and ensure this fraudulent activity does not continue to damage my credit. 

Thank you for your attention and cooperation. 

Sincerely, XXXX XXXX

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

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-05-05 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: TN

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 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: KEYCORP
State: NY

Complaint narrative:
XX/XX/year> Key Bank paid XXXX XXXX {$7800.00} for a fraudulent check written against our checking account. It was a personal check written to someone we do not know. Key Bank did not alert us to this check but instead paid XXXX XXXX to cover the check. We discovered this on XX/XX/year> XXXX immediately called the Key Bank fraud hotline and we were assigned a case #. On Monday, XX/XX/year> we met with the branch manager at our bank and filled out an affidavit and other paperwork. The branch manager and a personal banker looked at the check with us and several discrepancies were noted : 1. Our street address was spelled incorrectly 2. My husbands middle initial was incorrect 3. The check number was not in our sequence of checks. Our checks ended in the number XXXX and this check was numbered XXXX. 
4. My signature was not even close to matching my signature 5. The way the check was dated was not how I date checks We also filed a report with our local police department but they did warn us that the banks do not communicate with them. And they are correct. The bank doesnt even communicate with us. Any communication regarding this investigation is because WE call for updates. I call the Key Bank Fraud department twice a week and the update never changes. They tell me that they are waiting for XXXX XXXX to refund the money to Key Bank. How Key Bank XXXX XXXX XXXX  work this out is not important to us .. Key Bank knows the check is a fraud but will not refund our money until they hear from XXXX XXXX. We have contacted the XXXX, OCC, XXXX Department of Financial Services, and the media. In fact, an investigative reporter returned our call and is investigating this issue. I have also emailed the CEO of Key Bank but of course there has been no response. Key Bank simply does not care. When this issue is finally resolved we will be pulling all of our accounts from Key Bank and urging friends, relatives, and strangers to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX AUTO FIN XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: NY

Complaint narrative:
I am submitting this statement to formally request your assistance in addressing inaccurate and damaging credit reporting by the credit bureaus ( Experian, Equifax, and TransUnion ) regarding my federal student loans. 

My credit report currently reflects that I am 120 days past due on my student loans between XX/XX/XXXX and XX/XX/XXXX. This is false and misleading. I was actively enrolled in XXXX during this time and granted in-school deferment from XX/XX/XXXX, through XX/XX/XXXX. Therefore, no payment was due, and no delinquency should have been reported. 

On XX/XX/XXXX, and again on XX/XX/XXXX, I formally disputed this inaccurate reporting with the credit bureaus and provided proof of my deferment status. Despite these efforts, they have continued to report the default, which has negatively impacted my credit score and financial opportunities.

This ongoing reporting violates the Fair Credit Reporting Act ( FCRA ), which mandates that : Furnishers of information report only accurate and complete data ( 15 U.S.C. 1681s-2 ), Credit reporting agencies must promptly investigate and correct disputed information ( 15 U.S.C. 1681i ), Inaccurate or unverifiable information must be corrected or removed ( 15 U.S.C. 1681i ( a ) (
5 ) ).

The failure of the credit bureaus to take appropriate corrective action, despite my timely disputes and supporting documentation, appears to constitute willful or negligent noncompliance with the FCRA ( 15 U.S.C. 1681n, 1681o ), and has caused me real financial harm. 

I respectfully request the CFPBs assistance in ensuring that the inaccurate delinquency information is permanently removed from my credit reports, and that the credit bureaus are held accountable for their failure to comply with federal reporting standards.

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 2025-05-05 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: NY

Complaint narrative:
I am submitting this statement to formally request your assistance in addressing inaccurate and damaging credit reporting by the credit bureaus ( Experian, Equifax, and TransUnion ) regarding my federal student loans. 

My credit report currently reflects that I am 120 days past due on my student loans between XX/XX/XXXX and XX/XX/XXXX. This is false and misleading. I was actively enrolled in XXXX during this time and granted in-school deferment from XX/XX/XXXX, through XX/XX/XXXX. Therefore, no payment was due, and no delinquency should have been reported. 

On XX/XX/XXXX, and again on XX/XX/XXXX, I formally disputed this inaccurate reporting with the credit bureaus and provided proof of my deferment status. Despite these efforts, they have continued to report the default, which has negatively impacted my credit score and financial opportunities.

This ongoing reporting violates the Fair Credit Reporting Act ( FCRA ), which mandates that : Furnishers of information report only accurate and complete data ( 15 U.S.C. 1681s-2 ), Credit reporting agencies must promptly investigate and correct disputed information ( 15 U.S.C. 1681i ), Inaccurate or unverifiable information must be corrected or removed ( 15 U.S.C. 1681i ( a ) (
5 ) ).

The failure of the credit bureaus to take appropriate corrective action, despite my timely disputes and supporting documentation, appears to constitute willful or negligent noncompliance with the FCRA ( 15 U.S.C. 1681n, 1681o ), and has caused me real financial harm. 

I respectfully request the CFPBs assistance in ensuring that the inaccurate delinquency information is permanently removed from my credit reports, and that the credit bureaus are held accountable for their failure to comply with federal reporting standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: IL

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Kikoff Inc.
State: NE

Complaint narrative:
They claimed that I have opened the Kikoff account and I have no record of any such account. I had not received any sort of credit card from them either. Currently I can not afford to open the account at the current time because I can not afford it at this time. They claim that I owe them {$600.00} Currently. I don't have any access to the so-called account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc.
State: NY

Complaint narrative:
account was off report after dispute then reappeared with new dates. also this account direct debited the XXXX balance owed.

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 2025-05-05 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: NY

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 2025-05-05 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: NY

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 2025-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
Mohela Student Loan Servicer I feel as if my loans are being mishandled and inaccurate. 
I was informed on XX/XX/2024 that Mohela was switching to a new loan servicing platform, they said starting XX/XX/2024, the loans would be transitioned to the new platform. Since then, I am not able to see previous payments that I've made for years prior on my account. This concerns me that I am not able to have record of payments made prior to XX/XX/2024. I have reached out several times and tried to get ahold of someone via phone, email, contacting through my online account, etc. and it is near impossible to get a hold of someone. I am concerned that my loans are being mishandled or inaccurately represented of the payments I've already completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
The account being reported by Jefferson Capital LLC date of first delinquency XX/XX/year>. Account XXXX XXXX. I have never had an account with either company in 2019. I believe this is a very old debt that they are falsifying the date to rereport the debt.

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

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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