vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: FL

Complaint narrative:
To Whom it May Concern : This letter is a follow up to my original letter dated XX/XX/year> and received by you an, regarding an tras your credit reporting, regarding the entry being reported under Capital XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX- By not replying in a timely manner to my initial letter on you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence showing the account is being reported accurately Be tunne teal lace septing if represent a tear deline eror a your seporting. 
what I a making a final goodwill attempt to have you clear up this matter. The listed item is entirely aising a careful record of my communications with you for the purpose of tiling a complaint with the r violated federal law, by not properly investigating within the required timeframe, and I have d via XXXX, with a new credit report showing the afore-mentioned account deleted from my credit file. 
P.S. If neoded, I will also provide a copy of this letter to the organization, Ce : 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 non-monetary relief
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
Considering uninformed of their existence and having never opened them, I require that these fraudulent accounts be removed from my credit record. Within 15 days, I would like them to be deleted in accordance with USC 1681g. As evidence, pertinent documents are enclosed.

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 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
XXXX- holding {$1800.00} dollars for XXXX days. Froze account under false pretenses/missunderstanding. Will not respond to emails requesting further examination/reasonings. 
Need money released immediately as this is my housing payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: VA

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: AL

Complaint narrative:
I am filing a follow-up complaint against Professional Debt Mediation ( PDM ) for continuing to report a misclassified, time-barred debt to XXXX The account stems from alleged move-out damages at XXXX XXXX XXXX not unpaid rent. My lease ended XX/XX/XXXX, and I moved out on XX/XX/XXXX with all rent paid. The {$440.00} charge was assessed after move-out, making it non-delinquent and subject to XXXX XXXX statute of limitations ( O.C.G.A. 9-3-25 ). As of XXXX, the debt is legally unenforceable. 

On XX/XX/XXXX, I sent a certified dispute and validation request under FDCPA 809 ( b ) and FCRA 611 ( a ). On April 1, I followed up with a cease contact/time-barred notice. PDM failed to validate the debt, provide supporting documents, or correct the classification. Instead, they continue furnishing inaccurate data to Equifax, violating : FDCPA 1692g ( b ), 1692c, 1692e FCRA 605 ( c ), 607 ( b ), 1681e ( b ), 1681s-2 ( b ), 1681i Case law : Chaudhry v. Gallerizzo, Fields v. Wilber Law Firm CFPB guidelines on time-barred debt collection and misreporting I have already filed CFPB complaints, mailed certified disputes, and contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Yet the account remains. I am attaching my complete packet with proof of violations, dates, and documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-09 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: GA

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
Consumer complaint received 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
My XXXX account still has a remaining balance of {$15000.00}, which has been held and not released to my bank account. 
The {$15000.00} was entirely processed through XXXX in XXXX. 
The specific amounts and dates can be found in the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
Although I was uninformed of these unjust accounts and did not authorize their creation, kindly remove them from my credit record. I ask that they be removed within XXXX  days in accordance with USC 1681g. Supporting documentation is attached.

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 2025-05-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I would like to provide updated statement records and explain that the company continues to charge excessive interest due to unresolved balance issues from XX/XX/year>. Their latest XXXX statement shows {$470.00} in interest, which appears to be based on inaccurate calculations and prior misapplication of a large payment I made in XXXX. 

As of today XXXX, SFC still has not addressed the core issue I raised in my complaint. 

Instead of responding to the unexplained transaction on XX/XX/year> that caused a sudden balance increase to over {$12000.00} and excessive interest charges, the company ( through representative XXXX XXXX continues to divert attention to unrelated topics such as past promotional payments, which were never part of my complaint. 

Since I called customer service on XX/XX/year> to specifically request clarification and was told the Complaint Team would follow up, I have received no real assistance or explanation. Meanwhile, interest continues to accrue daily. This feels like a strategy to delay and justify inflated charges.

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 2025-05-09 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: SC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I Spoke with a Wells Fargo supervisor on XX/XX/year>. Because I called after hours I could tell that the supervisor was at an overseas call center. As a result of knowing that I asked the supervisor to please DO NOT make any changes to my account and DO NOT return the two overdraft fees that they were offering. I did this because in my experience the supervisor in America is able to process the full amount of 9 overdraft fees that I was requesting. I told the supervisor at least 3 or 4 times that I did not want her to process the two overdraft fee reversals that she said she could do. She said ok that she would not reverse the fees. Then I got off the phone checked my account and saw that the fees were reversed without my verbal consent or knowledge. She illegally reversed the fees when I specifically told her not too. I asked that the phone call be produced and that the full amount of 9 fees I requested be refunded or that the two fees that were refunded be reversed so that I can use my request at a future date. 

To reiterate On XXXX they illegally made changes to my account that I did not ask for.

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 2025-05-09 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO.
State: IN

Complaint narrative:
Credit application creation XX/XX/year> the dealership in my credit application lied about my information My gross income is {$3500.00} ( XXXX ) in the credit application the dealership put {$15000.00} ( monthly ). 
My mortgage is {$2500.00} they write in the credit application {$1200.00}. 
I work as machine operator they write I work as XXXX XXXXXXXX. 
I have barely 3 years in this job they write 5 years 6 months. 
My previous address was 3 years they write 6 years. 
I contacted them several times about the fraud the sale manager say he cant do anything for me sometimes they dont even care about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: CA

Complaint narrative:
On XX/XX/year>, I received a hard inquiry from the credit bureaus on a XXXX XXXX credit card application. I did not apply for a new XXXX XXXX card. I contacted XXXX XXXX to do an investigation and was notified that someone used my SSN and phone number to apply for a credit card. I notified XXXX XXXX that I did not submit an application and I told them that the application was fraudulent. They are currently investigating the false application. I notified all XXXX credit bureaus of the identity theft and fraud. All XXXX credit bureaus issued a fraud alert on my credit report. I am currently disputing the hard inquiries placed on my credit report for all XXXX bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: FL

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to dispute inaccurate payment information that appears on my credit report dated [ Insert Report Date ]. This information is being reported in violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information furnished to consumer reporting agencies be accurate and complete. 

The item in question is as follows : Creditor Name : XXXX XXXX Account Number : XXXX * * XXXX Account Number : XXXX * * XXXX Creditor Name : Indigo Account Number : * * * * * * * * XXXX Issue : My credit report shows late payments for Amount of {$220.00} XXXX XXXX XXXX XXXX and {$170.00} XXXX XXXX XXXX and XXXX for XXXX XXXX XXXX Reported for XX/XX/XXXX and XXXX XXXX, which is incorrect. I made on-time payments for the dates in question, and I have enclosed documentation to support my claim. 

Under Section 611 of the FCRA, I request a reinvestigation of this information. If your investigation confirms the inaccuracy, I respectfully request that you update my credit file to reflect a correct payment history and remove any derogatory notations related to this account.

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 2025-05-09 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: TX

Complaint narrative:
Considering I did not create these illegal accounts and was unaware of their existence, kindly remove them from my credit report. I anticipate having them removed within XXXX  days in accordance with USC 1681g. Please refer to the supporting materials provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX - Opened XX/XX/year> With a balance of {$540.00} Account number : XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
The personal information on my credit report were outdated.

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