vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC
State: GA

Complaint narrative:
Hey im trying to dispute the charges of XXXX because when i had XXXX XXXX i never went over the XXXX credit and i had my card turned off and the app would still charge me for somethings when i turned my card off and it made me go over the XXXX. I was doing my payments the best i can but once the app did that it would charge me like XXXX plus for going over board unintentionally im not paying more then what im not supposed to that i did not do.

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 — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Collectors Corp.
State: GA

Complaint narrative:
In short : XXXX XXXX XXXX submitted an invoice I already paid to a debt collector. 

I was billed on XX/XX/XXXX for services provided by XXXX XXXX XXXX for {$95.00}. I paid that bill online on XX/XX/XXXX, and I was emailed a receipt. In XX/XX/XXXX, I received a letter from a debt collector called Professional Collectors Corp, which stated I've owed {$95.00} since XX/XX/XXXX to XXXX XXXX XXXX. 

I am in the process of trying to dispute the debt with the debt collector, because the invoice was paid.

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: GA

Complaint narrative:
To whom this may concern ; My name is XXXX XXXX XXXX and this is not a third party filing this complaint. After careful review of my consumer report I have notice a TON of FRAUDULENT ACCOUNTS, ADDRESSES, SOCIAL SECURITY NUMBER as well as names. I have attached the following for your review. I have also attached the correct information for you as well. Please remove all those inaccuracies and update my information correctly. Thank you.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To whom this may concern ; My name is XXXX XXXX XXXX and this is not a third party filing this complaint. After careful review of my consumer report I have notice a TON of FRAUDULENT ACCOUNTS, ADDRESSES, SOCIAL SECURITY NUMBER as well as names. I have attached the following for your review. I have also attached the correct information for you as well. Please remove all those inaccuracies and update my information correctly. Thank you.

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: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
the inaccurate information related to the account listed below, which appears on my credit report. This account, originally owed by me, was purchased by a third-party debt collector or sold and the balance has not been updated correctly. 

XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXXXXXX XXXX  XXXX ) ALL STATE SOLD THE ORIGINAL BUT MY BALANCE DOESNT REFLECT THE SOLD / ACCURATE AMOUNT DUE ON MY CREDIT REPORT - ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX  XXXX XXXX XXXX SOLD THE ORIGINAL BUT MY BALANCE DOESNT REFLECT THE SOLD / ACCURATE AMOUNT DUE ON MY CREDIT REPORT - ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  I am requesting that the inaccurate entry be deleted immediately in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.The following issues have been identified with the reporting of this account : 1. Incorrect Account Status : The status of this account does not reflect the actual condition of the debt.

2. Incorrect Amount : The amount reported is not accurate. The debt was settled for less than the original balance owed, and my credit report does not reflect this.

3. Incomplete Information : The credit report does not include the necessary and accurate information regarding the payment made by the third-party debt collector, nor the accurate settlement amount.

As per Section 1681i ( a ) of the FCRA, I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or outdated. Furthermore, Section 1681e ( b ) of the FCRA requires that consumer reporting agencies maintain " maximum possible accuracy '' when reporting information. The inaccurate reporting of this account violates the FCRA because it misrepresents the status and payment of the debt.

Additionally, I would like to highlight that Section 1681s-2 ( b ) of the FCRA mandates that furnishers of information ( including debt collectors ) report accurate and complete information. The lack of correct reporting regarding the payment of the debt by the third-party debt collector constitutes a violation of this provision.

Given that this information is incorrect, incomplete, and misleading, I respectfully request that this account entry be DELETED IMMEDIATELY. Please find attached copies of my credit report with the relevant discrepancies highlighted for your review.

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: GA

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/2025, I sent a formal request to XXXX XXXX XXXX, a debt collection agency, for debt validation regarding an alleged final move-out charge from XXXX XXXX XXXX. This request, made in accordance with the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), specifically asked for the following documents : 1. Verification of the original creditor. 
2. A signed lease or agreement bearing my signature. 
3. An itemized breakdown of the charges. 
4. Documentation confirming XXXX XXXX authority to collect on this debt. 

However, XXXX XXXX XXXX failed to respond appropriately. Instead, they marked my dispute as a duplicate complaint without addressing my concerns or providing the requested documentation. Despite their failure to validate the debt, this account remains on my credit report, continuing to adversely impact my credit profile. 

I have made multiple attempts to resolve this matter. On XX/XX/2025, I filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), but I have yet to receive any meaningful response from either XXXX XXXX  or the credit bureaus. 

As a result of their failure to verify the debt, and given the lack of any substantiating evidence for the charges or my agreement to pay them, this account remains unverified and unsubstantiated. Despite my numerous efforts to resolve this issue, including submitting a debt validation request, the credit bureaus ( XXXX, Equifax, and XXXX  ) have allowed this unverifiable debt to remain on my credit report, violating my consumer rights under the Fair Credit Reporting Act ( FCRA ) and FDCPA.

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: EQUIFAX, INC.
State: IL

Complaint narrative:
Ive been sending letters back-and-forth certified to all three credit agencies, Equifax transition and experience asking them to re-investigate the account that is or accounts that are reporting inaccurate. I sent copies of my drivers license my Social Security card my insurance card. Ive sent multiple letters. Ive made multiple complaints with the CFPB. I have everything documented with pictures. I want all these accounts deleted off my report.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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: 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: MD

Complaint narrative:
I am submitting this complaint because TransUnion has failed to remove an unauthorized hard inquiry made by XXXX XXXX XXXX XXXX on XX/XX/year>, despite multiple disputes and supporting documentation. I did not apply for credit with XXXX XXXX XXXX XXXX, nor did I authorize this inquiry. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer report can only be obtained with the consumers written consent or for a permissible purpose. I have attempted to rectify this issue for nearly a year. I have received a formal letter from XXXX XXXX XXXX XXXX acknowledging that the inquiry was made in error and confirming that they requested TransUnion to remove it. I submitted this documentation through the proper dispute process, as required under 15 U.S.C. 1681i, which mandates that credit reporting agencies conduct a reasonable reinvestigation and correct or delete inaccurate information. Despite these efforts, TransUnion has continued to report this unauthorized inquiry and has not provided a legally valid reason for its refusal to remove it. This ongoing failure to correct inaccurate information directly violates my rights under the FCRA and negatively impacts my credit profile.

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 non-monetary relief
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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I seek your assistance in investigating accounts that have been wrongly reported with late payments. I carefully reviewed my credit report and found some accounts showing incorrect late payment entries. These accounts should not have any late payment remarks. Kindly remove the late notations and update the accounts as paid and positive.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
MOHELA is my loan servicer for my parent plus loans. I have called on XXXX different occasions ( XXXX, XX/XX/year> ) and could t get thru. I also sent a secure message on my account in XXXX and never received a reply. 

I need to know if my account payment is gon na change. 

They wont provide any response or information.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My Phone was stolen on XX/XX/year> and transactions which added to the amount of {$2400.00} were made at approximately XXXX which is totally uncharacteristic for my spending habits. 

I reported the transactions the same day and was told in TD Bank that my money would be returned. It has not been returned and they state the reason was because " Mobile deposits and / or balance inquiries indicate that activity was authorized. '' I have reported the robbery to the police and submitted the police report to TD Bank as proof I did not make any of these transactions.

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 — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
My debit card was stolen while I was abroad, and multiple ATM withdrawals occurred before I could cancel it. I reported the theft in good faith, and I was given no communication when my claim was closed. 

I lost my debit card on XX/XX/year> in XXXX, XXXX. I realized on XX/XX/year> and requested a freeze on my card and a replacement. I then saw on XX/XX/year> that there had been 9 transactions of {$200.00} pulled from an ATM ( on XX/XX/year> ). I immediately opened claims with wells fargo at that point. 

I then had to call Wells Fargo when I saw the claims were closed ( with no notification or explanation given to me ). They are saying they denied it because I said I " had the debit card in my possession '' which is both false and literally makes no sense given I had already reported the card missing. They are now saying to re-open them they have to " re-review the call '' when I reported the fraud to see if " there was a mistake ''. Regardless if there was or wasn't a mistake, I fully expect the claims to be re-opened in accordance with the Electronic Fund Transfer act.

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 monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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: FL

Complaint narrative:
I am disputing inconsistencies in my credit reports across TransUnion, Experian, and Equifax regarding an auto loan account ending in XXXX. TransUnion shows a 30-day late payment in XX/XX/XXXX while Experian shows an OK status. Experian reports three 30-day late payments in XXXX that TransUnion does not. Equifax is not reporting this account at all, which affects my credit profile. A previous dispute marked resolved still reflects negative marks, despite no resolution from my side. This violates FCRA Sections 607 ( b ) and 611, as the bureaus are not reporting consistent or accurate data. I request immediate correction or deletion of all inaccurate payment entries and uniform reporting across all three bureaus. FCRA Section 611 ( 15 U.S. Code 1681i ) Right to dispute inaccurate information. Bureaus must conduct a reasonable reinvestigation when a consumer disputes inaccurate or inconsistent information. Also Equifax does not report the auto loan account at all, while TransUnion and Experian do. So FCRA Section 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) States. Accuracy of information. Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information.

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