vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: IA

Complaint narrative:
* Hunter Warfield XXXX call history - XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX different numbers, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX different numbers, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX ( XXXX keeps going ) XXXX XXXX XXXXXX/XX/XXXX @ XXXX I sent Hunter Warfield another email XXXX for verification that they received my previous email with attachments of the documents. - No reply XXXX XXXXXX/XX/XXXX @ XXXX Email sent to Hunter Warfield XXXX Email below and attachments of documents sent ) Hello XXXX --, In this email has my documentations of my notices to the previous management of XXXX XXXX XXXX I did not renew my past rental agreement of XXXX to XXXX. 
I was asked by XXXX XXXX to write a letter to them explaining why I am leaving the property to put in my file. 
I explained in this letter that I will be out of the property XX/XX/XXXX due to my XXXX XXXX XXXX XXXX XXXX XXXX  resulting of the XXXX XXXX XXXX XXXX. I mentioned in this letter thaXXXX XXXX XXXX XXXX XXXX  plans on living in the residence until lease is up ( XX/XX/XXXX. ) As I told you in our phone conversation on XX/XX/XXXX I did call XXXX XXXX in XX/XX/XXXX to tell them again that I do not authorize a renewal and if XXXX XXXX XXXX XXXX brings in another XXXX to sign under my name to let me know because it is not me. He is the type of person to do this as I mentioned before. XXXX XXXX told me everything was taken care of and they will reach out if any questions. 

I have not lived at this property XXXX months short of XXXX  years. I also went in front of a judge due to XXXX  charges and explained to the judge and representative of XXXX XXXX that I have not lived at this property. I was told by XXXX XXXX XXXX XXXX that they just " assumed '' I was still at the property. 

There was a charge of {$4000.00} put on my credit unfairly. I did a dispute from XXXX. I have also called the Credit Bureau and spoke with XXXX. I have also spoke with XXXX directly from XXXX. I tried to call XXXX XXXX and was unprofessionally talked to which resulted in a XXXX  match. During this call I was told court would not help me, they also said there is no documentation of me vacating property, which is not my problem if XXXX did not give the new management my file. 

I want the charges removed off my credit report due to the inaccuracy as I have not lived at this property in roughly XXXX years. I want this removed or I will be contacting a lawyer, XXXX XXXX news, and better business bureau. 

Enclosed is my documents. Here is my contact information if needed : XXXX XXXX XXXX XXXX XXXX XXXX Dispute entered on XXXX XXXX XX/XX/XXXX - Resolved XX/XX/XXXX " XXXX XXXX XXXX XXXX  Copy was sent to Hunter Warfield XX/XX/XXXX after many more phone calls from them. 

XXXX XXXX XXXX  XX/XX/XXXX Email from Hunter Warfield of the bill of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: MI

Complaint narrative:
XXXX reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section XXXX of the FCRA ( XXXX XXXX. XXXX ( a ) ), please block and remove them within XXXX  days : Also, would like to have all XXXX XXXX XXXX REMOVED from my credit report, except for my XXXX XXXX XXXX XXXX listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Please delete and block the following accounts from my credit report Accounts 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-03 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: CA

Complaint narrative:
Please be advised that my credit report has been compromised due to a data breach. Pursuant to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( a ) ), I am requesting the blocking and removal of fraudulent accounts within 4 days : Also, would like to have all XXXX XXXX XXXX REMOVED from my credit report, except for XXXX XXXX XXXX XXXX XXXX  listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX XXXX XXXXate : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/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 2025-06-03 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: SC

Complaint narrative:
My name is XXXX XXXX. My date of birth is XX/XX/year>. my social security number is XXXX. This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX Account Number : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the XXXX  fraudulent items. I do not recognize the XXXX accounts, collections, or XXXX inquiries as reported. The XXXX accounts, collections, and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the XXXX accounts, collections, and XXXX  inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the afoXXXX consumer credit accounts, collections, and XXXX  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 2025-06-03 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: NJ

Complaint narrative:
Hello, I'm writing to file a complaint about a student loan that I didnt know I had. The loan was from XXXX XXXX and it XXXX  my credit score. I was only in college for XXXX semester and then I withdrew. I never got any emails or letters about needing to pay a loan. 

Later, I found out that the loan became past due and was reported to the credit bureaus. This really surprised me because I had no idea I even owed money. When I contacted XXXX, they told me they had been sending emails to the wrong email address : XXXX instead of my correct one : XXXX. Because of that, I never got the notices and didnt know I had to make payments. 

As soon as I found out about the loan, I paid the full withstanding amount ( {$310.00} ) on XX/XX/year>. I also asked them to remove the XXXX report from my credit because it was a mistake, but they said they couldnt do that unless I met certain conditions, which I dont. 
Now I have bad credit for something I didnt even know about and couldnt stop. This is very unfair, and its XXXX  me when I try to apply for things like a car or an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hello, I'm writing to file a complaint about a student loan that I didnt know I had. The loan was from XXXX XXXX and it hurt my XXXX XXXX. I was only in college for XXXX semester and then I withdrew. I never got any emails or letters about needing to pay a loan. 

Later, I found out that the loan became past due and was reported to the credit bureauXXXX. This really surprised me because I had no idea I even owed money. When I contacted XXXX, they told me they had been sending emails to the wrong email address : XXXX instead of my correct one : XXXX. Because of that, I never got the notices and didnt know I had to make payments. 

As soon as I found out about the loan, I paid the full withstanding amount ( {$310.00} ) on XX/XX/year>. I also asked them to remove the XXXX  report from my credit because it was a mistake, but they said they couldnt do that unless I met certain conditions, which I dont. 
Now I have bad credit for something I didnt even know about and couldnt stop. This is very unfair, and its XXXX me when I try to apply for things like a car or an apartment.

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 2025-06-03 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: NJ

Complaint narrative:
Hello, I'm writing to file a complaint about a student loan that I didnt know I had. The loan was from XXXX XXXX and it XXXX my XXXX XXXX. I was only in college for XXXX semester and then I withdrew. I never got any emails or letters about needing to pay a loan. 

Later, I found out that the loan became past due and was reported to the credit bureauXXXX. This really surprised me because I had no idea I even owed money. When I contacted XXXX, they told me they had been sending emails to the wrong email address : XXXX instead of my correct one : XXXX. Because of that, I never got the notices and didnt know I had to make payments. 

As soon as I found out about the loan, I paid the full withstanding amount ( {$310.00} ) on XX/XX/year>. I also asked them to remove the XXXX  report from my credit because it was a mistake, but they said they couldnt do that unless I met certain conditions, which I dont. 
Now I have bad credit for something I didnt even know about and couldnt stop. This is very unfair, and its XXXX me when I try to apply for things like a car or an apartment.

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 2025-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc.
State: PA

Complaint narrative:
After visiting XXXX XXXX at XXXX in XXXX of 2024, they failed to inform me that, due to my truthfully stating that I had received an XXXX at work, they would be processing it as a XXXX XXXX XXXX claim at XXXX the self-pay rate, nor that I would have to fill out a XXXX XXXX XXXX form. Had I been informed, I would not have consented to XXXX  They sent me the bill for XXXX the self-pay rate XXXX XXXX later, and my workplace was uncooperative. I attempted to negotiate it down to the self-pay rate for XXXX, but the clinic was uncooperative. 

They sent the bill to Receivable Management Systems, a debt collection agency. When I called XXXX, I requested an itemized statement of the bill. This was around XX/XX/XXXX, as I immediately e-mailed the XXXX XXXX XXXX XXXX XXXX for Pennsylvania afterwards to ask for clarification regarding the situation. 

I get sent another bill with interest added on XX/XX/XXXX. It is not an itemized statement, and had interest accrued in the meanwhile. I contact XXXX again on XX/XX/XXXX, this time recording the call with their consent. I tell them I have not received the itemized statement and ask when I gave the request. They say I requested the statement on XX/XX/XXXX. This is blatantly false information. They have also been adding interest in the meanwhile, something which they confirmed over the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My XXXX card has been compromised and someone has been using it to XXXX XXXX XXXX XXXX XXXX XXXX in Georgia multiple times across a year. I have reported this with Chase but they have ruled against and said that these charges were found to be authorized by me but I have never given access to someone else and have never been to Georgia before. 

XX/XX/XXXX - {$73.00} XX/XX/XXXX - {$68.00} XX/XX/XXXX - {$110.00} XX/XX/XXXX - {$43.00} XX/XX/XXXX - {$68.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-03 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: IN

Complaint narrative:
XXXX XXXX loan appeared on My credit report XX/XX/XXXX. 
Contacted Equifax, XXXX XXXX to dispute this account. 
Tried to call XXXX XXXX  CONTACT XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX ( XXXX ) XXXX Talked to there XXXX XXXX She ageed that account was fraud This XXXX  will be monitored and recorded for quality assurance purposes. 
XXXX has joined the conversation Thank you for contacting XXXX XXXX XXXX, my name is XXXX. How XXXX I assist you today? 
You have a fraululent account on my XXXX XXXX number C I'd be happy to help you. Do you have a XXXX XXXX number or account number that I can use to pull up the account? 
XXXX SS # C Thank you. Can you verify your first and last name and your date of birth? 
XXXX XXXX XXXX XX/XX/XXXX C Thank you. We can begin the XXXX process for fraud and identity theft. We will send you a fraud packer that you will need to complete and send back. You will also need to file a police report and send back a copy of the report with the packet. 
This account was XXXX up by someone using fraud. I am not in school I will be verifying the information we currently have listed on the account and update to your account. You can include this information in the report. 
Is XXXX XXXX XXXX XXXX XXXX, MI XXXX valid? 
C Is XXXX XXXX XXXX XXXX XXXX, IN XXXX still valid? 
Ok but dont send it to that XXXX acocunt info. Its on my credit report and XXXX my credit score Never been or heard of that address C Thank you. What is your correct address? 
XXXX XXXX XXXX, XXXX Indiana XXXX C Thank you. Is ( XXXX ) XXXX valid? 
No thats a XXXX  Phone number as well .. My Number is XXXX land line or cell is XXXX C Thank you. Is XXXX valid? 
NO another XXXX email my email is XXXX C Thank you. I have updated all your information and submitted a request for that packet to be sent to you. Once you receive it, each section will advise what is needed and where to obtain the information. I recommend making copies of the police report and the packet that you send to us Ok How long before this comes?? I want this off my credit report immediately It is being sent via both physical mail and email. You can expect both within the next XXXX weeks. 

To today date XX/XX/XXXX Nothing has been done. I have received no XXXX, The fraud account is still on my credit report. I have tried to call XXXX additional time and NO RETURN CALLS OR EMAILS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: IN

Complaint narrative:
XXXX XXXX loan appeared on My credit report XX/XX/XXXX. 
Contacted Equifax, and Transunion to dispute this account. 
Tried to call XXXX XXXX  CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX ( XXXX ) XXXX Talked to there XXXX XXXX She ageed that account was fraud This chat will be monitored and recorded for quality assurance purposes. 
XXXX has joined the conversation Thank you for contacting XXXX XXXX XXXX, my name is XXXX. How XXXX I assist you today? 
You have a fraululent account on my XXXX XXXX number C I'd be happy to help you. Do you have a XXXX XXXX number or account number that I can use to pull up the account? 
XXXX SS # C Thank you. Can you verify your first and last name and your date of birth? 
XXXX XXXX XXXX XX/XX/XXXX C Thank you. We can begin the XXXX process for fraud and identity theft. We will send you a fraud packer that you will need to complete and send back. You will also need to file a police report and send back a copy of the report with the packet. 
This account was XXXX XXXX by someone using fraud. I am not in school I will be verifying the information we currently have listed on the account and update to your account. You can include this information in the report. 
Is XXXX XXXX XXXX XXXX XXXX, MI XXXX valid? 
C Is XXXX XXXX XXXX XXXX XXXX, IN XXXX still valid? 
Ok but dont send it to thaXXXX XXXX  acocunt info. Its on my credit report and XXXX my XXXX XXXX Never been or heard of that address C Thank you. What is your correct address? 
XXXX XXXX XXXX, XXXX Indiana XXXX C Thank you. Is ( XXXX ) XXXX valid? 
No thats a XXXX  Phone number as well .. My Number is XXXX land line or cell is XXXX C Thank you. Is XXXX valid? 
NO another XXXX  email my email is XXXX C Thank you. I have updated all your information and submitted a request for that packet to be sent to you. Once you receive it, each section will advise what is needed and where to obtain the information. I recommend making copies of the police report and the packet that you send to us Ok How long before this comes?? I want this off my credit report immediately It is being sent via both physical mail and email. You can expect both within the next XXXX weeks. 

To today date XX/XX/XXXX Nothing has been done. I have received no XXXX, The fraud account is still on my credit report. I have tried to call XXXX additional time and NO RETURN CALLS OR EMAILS

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 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The client service refused to transfer me to a supervisor. I have been continually been charged overdraft fees even though they offer a 2 day grace period. My account is a positive balance during this time, but the bank continues to charge. When I call to resolve the issue, the client service refuses to help and transfer me to an agent who can help. 

For example, one time, I went to XXXX different ATMs to deposit funds and none of the ATMs were functioning. I then gave the money to a friend to zelle me the money because the ATMs did not work. Wells Fargo still charged me for not having the funds timely and accused me of not trying hard enough get the funds into the account timely. 

I want all of my charges reversed.

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 2025-06-03 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank closed my JCPenney store credit card without notice until after it was closed. I was never delinquent on payments and have currently have a XXXX balance. There is no fair or valid reason for this action. I am unable to access my account online.

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