vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
Requested debt validation letter, was never received for the accounts listed on report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: TN

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my credit report.

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 2025-03-29 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: TN

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my credit report.

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 2025-03-29 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: NE

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: NE

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2025-03-29 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: CA

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 explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am attaching a statement from my bank Wells Fargo, Listing several fraudulent transactions made at XXXX. 

I have made the claim through my bank on XX/XX/year> and they denied it. On XX/XX/year> I discovered the claim was denied and filed a police report with the XXXX XXXX XXXX 's department regarding the fraudulent charges. And then, called Wells Fargo Corporate XX/XX/year> to reopen fraud claim. On XX/XX/year> I called back Wells Fargo Corporate and was informed they have not rescinded the original decision. I work in XXXX  and have not left the state nor shopped at a XXXX store. However they claim the purchases were made with my debit card as an in-person purchase. The stores were located in GA, OH, KY, and WV and most charges were repetitive at {$160.00} and made several times a day. The bank fraud detection did not flag these purchases and they claim there is not enough evidence I did not make them - even though I was actively making purchases on the XXXXXXXX XXXX XXXX that entire time.

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 2025-03-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Yamaha Motor Finance Corporation USA
State: IL

Complaint narrative:
Summary of Issue : I am attempting to negotiate a fair settlement with Yamaha Financial for a credit card account tied to a snowmobile that was totaled. The balance is pproximately {$11000.00}. I submitted a written request asking what settlement amount they would accept. About a week later, an agent from Yamaha Financial called and offered to settle for 85 % of the balance. I countered at 71 %, the agent then made a second offer of {$9500.00} to settle. I again asked for 71 %. The agent ( XXXX XXXX said he would check with his supervisor ( XXXX ) and get back to me. 

When he called back, he stated that not only was my counteroffer denied, but his original offer of 85 % was now being rescinded entirely. I requested to speak with his supervisor, XXXX, but she has failed to return multiple phone calls over the course of several days. 

This feels like a bait-and-switch tactic and a refusal to negotiate in good faith. I am trying to resolve this matter responsibly. 

Additional Context : The XXXX  was a XXXX  XXXX XXXX. Only six months after I purchased it, Yamaha announced they were exiting the XXXX industry. It became a total loss in part due to discontinued and unavailable parts which raises concerns over Yamahas obligation to provide parts availability for a reasonable period.

I am seeking a fair and written settlement agreement and for Yamaha Financial to honor or reasonably renegotiate the settlement offer originally extended.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding Experian and their handling of my credit dispute rights. After encountering unresolved issues on my credit report, I attempted to advocate for myself and expressed potential legal action due to their inaction. In response, Experian revoked my ability to file disputes online, a key feature of their service that I rely on to manage and repair my credit.

This action has directly hindered my ability to exercise my rights under the Fair Credit Reporting Act ( FCRA ). Their phone-based dispute process requires hold times that exceed two hours, and their dispute line is unavailable on weekends, further limiting accessibility. It is unreasonable and unethical to punish a consumer by restricting access to essential toolsespecially those included in a paid servicesimply for asserting their right to fair treatment.

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 2025-03-29 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: IN

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2025-03-29 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: IN

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2025-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I tried to each out to a human being at Mr. Cooper mortgage ( dba Nationstar ) loan holder to ask questions about my loan payoff. There is no way to go through the automated phone system to reach a human in that department. I finally when through the New Loan menu. Almost as soon as I was transferred to a customer service rep, she put me in hold, emailed me a loan payoff stmt and charged me a {$25.00} expedite fee. I told her I was not requesting a payoff stmt and did not agree to the expedite fee. I was simply trying to speak to a human being.

The way in which this fee has been charged to my account is fraud.

Further more, I do not feel that it is okay for the mortgage company to force me to issue a wire or money order for my final payment when they could easily draft it from my bank. On top of that, I think it is awful that the company can not pay the county fee to release the lien when they have been collecting interest income for years on each and every consumer loan. This fee should be part of their cost of doing business.

I hope to be reimbursed the {$25.00} expedite fee for the loan payoff quote since I did NOT request this service. The rest of my complaint is a STRONG suggestion on how the industry should be working in the year XXXX. Stop robbing people of nickles and dimes when you are making billions on loan interest income.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
This is an issue the arouse from identity theft, I have already submitted the police report and other supporting evidence regarding this account and also a copy of the civil lawsuit that was filed against the company that was doing the licensing for my former employer who was the suspect in this crime. All they did was send me a copy of the final bill, how is that an investigation? That means that the XXXX XXXX police department and the XXXX XXXX courts are incompetent? Thats ridiculous, somehow their final bill trumps an actual investigation? I initially sent the above referenced information to each creditor inXXXX they since have not provided me with a valid documentation and only a copy of a final bill, if not resolved immediately I intend on filing a lawsuit against the reporting company and whatever creditor/collection agency since you are in violation of the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX RE : Formal Demand for Permanent Deletion and Blocking of Fraudulent Account Identity Theft Notification To Whom It May Concern, This letter serves as a formal demand under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) for the immediate deletion and permanent blocking of a fraudulent account being reported on my TransUnion credit report : Creditor Name : XXXX XXXX XXXX XXXX Company Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX I, XXXX XXXX XXXX, have never had any dealings with XXXX XXXX XXXX, XXXX. I have never applied for, signed, or authorized any contract or agreement with this entity. I also did not give any company or third party permission to share, sell, or transfer my personal information to XXXX XXXX XXXX. This is a clear case of identity theft. 

As such, I am invoking my rights under the following laws : Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681c-2 ( Section 605B ) Requires a consumer reporting agency to block identity theft-related information within four ( 4 ) business days of receiving proof of identity theft.

I am requesting the immediate blocking and permanent deletion of the XXXX XXXX XXXX account from my TransUnion credit file. 

Additionally, under 15 U.S. Code 1681g, I am demanding : The complete chain of assignment for this fraudulent account.

The forward flow agreement or any original creditor documentation that shows how and when XXXX XXXX XXXX allegedly acquired this account and personal data. 

Under the Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S. Code 1692e It is illegal to report false or misleading information, including a debt that I do not owe.

15 U.S. Code 1692g ( b ) Upon written dispute, collection must cease until the debt is validated. I have never received validation of this debt.

You are hereby notified that continued reporting of this fraudulent collection account, or any failure to comply with this demand, will constitute willful noncompliance under FCRA and may subject you to civil liability under 15 U.S. Code 1681n and 1681o, including actual, statutory, and punitive damages, as well as attorneys fees.

I am requesting this fraudulent account be deleted and permanently blocked from my credit file within four ( 4 ) business days of your receipt of this letter, in compliance with 15 U.S. Code 1681c-2 ( a ).

Please mail me a confirmation of deletion in writing at the address listed above and send a copy to my email at XXXX 

Sincerely, 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 2025-03-29 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: NE

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-03-29 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX, filed on XX/XX/XXXX of this XXXX. 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX a part of Experian Consumer Support Division XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Failure to Investigate Consumer Dispute Dear Clarity Services, I am writing to formally express my dissatisfaction regarding your failure to properly investigate my dispute concerning inaccurate information on my consumer report. On XX/XX/scrub>XXXX XXXX XXXX, I submitted a disputes regarding item ( s ), such as incorrect personal information, fraudulent accounts, or inaccurate inquiries listed in my credit profile and provided supporting documentation to substantiate my claim. 



According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to conduct a reasonable investigation of any disputed information and respond within 30 days. However, I have yet to receive an adequate response or resolution to my dispute. Instead, you have sent a disgusting " STALL LETTER '' and stated you felt it was a " suspicious request '' ; therefore, you are refusing to investigate my disputes now or in the future. Your lack of action is unacceptable and may be in violation of federal consumer protection laws.

I am requesting an immediate and thorough reinvestigation into my dispute. If the inaccurate information can not be verified, it must be removed from my report promptly. Additionally, I request that you provide a written explanation of your findings and the actions taken to correct any errors.

Failure to comply with this request may result in further action, including and considering legal recourse to enforce my rights under the FCRA. I urge you to address this matter immediately to avoid any further escalation.

Please provide a written response within 15 days of receiving this letter. You may send your response to the address listed above. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation