vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX IL, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] [ Transunion Consumer Solutions ] [ XXXX XXXX XXXX ] [ XXXX, PA XXXX ] Subject : Dispute Regarding Reinsertion of Negative Item on Credit Report 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) Dear [ Transunion Consumer Solutions XXXX XXXX I am writing to formally dispute the reinsertion of a negative item on my credit report. As outlined in 15 U.S. Code 1681i ( XXXX ) ( B ) ( ii ) ( iii ), once a negative item has been deleted from a consumer 's credit report as a result of a dispute, it can not be reinserted unless the credit bureau has received verification of the accuracy of the information, and the consumer is notified within a reasonable time. 
I have recently noticed that a previously deleted negative item has reappeared on my credit report. The details of the account in question are as follows : Account Name : [ XXXX XXXX  XXXX A ] Account Number : [ XXXX ] Date of Reinserted Item : [ XX/XX/XXXX ] I request that you provide documentation verifying that the negative information was properly reinserted in accordance with the requirements of 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) ( iii ), including a detailed explanation of how this item was verified and whether I was notified prior to the reinsertion. If such documentation can not be provided, I expect that the item will be removed from my credit report immediately. 
In accordance with the Fair Credit Reporting Act, I also request that you inform me of your findings within 30 days of receiving this letter. If you fail to provide the necessary documentation or reinstate the deletion of the item, I will be forced to take further action to protect my rights. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, [ XXXX XXXX ] [ XX/XX/XXXX ] [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c2 ) that you, the TransUnion credit reporting agency, 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 consist of a personal credit account opened at XXXX XXXX on XXXX XXXX under the account number ( XXXX ) XXXX XXXX opened on XXXX XXXX under the account number ( XXXX ) XXXX XXXX opened on XX/XX/XXXX under the account number ( XXXX ) A XXXX  loan at DEPT OF ED/XXXX on XXXX XXXX under the account number ( XXXX ) these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard 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 us federal trade commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud XXXX XXXX XXXX opened on XXXX XXXX under the account number ( XXXX ) XXXX XXXX XXXX opened on XXXX XXXX under the account number ( XXXX ) XXXX opened on XX/XX/XXXX under the account number ( XXXX ) XXXX XXXX  opened XXXX XXXX XXXX under the account number ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c2 ) that you, the TransUnion credit reporting agency, 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 consist of a personal credit account opened at XXXX XXXX on XXXX XXXX under the account number ( XXXX ) XXXX XXXX opened on XXXX XXXX under the account number ( XXXX ) XXXX XXXX opened on XX/XX/XXXX under the account number ( XXXX ) A XXXX  loan at DEPT OF ED/XXXX on XXXX XXXX under the account number ( XXXX ) these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard 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 us federal trade commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud XXXX XXXX XXXX opened on XXXX XXXX under the account number ( XXXX ) XXXX XXXX XXXX opened on XXXX XXXX under the account number ( XXXX ) XXXX opened on XX/XX/XXXX under the account number ( XXXX ) XXXX XXXX  opened XXXX XXXX XXXX under the account number ( 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 2025-06-05 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: MD

Complaint narrative:
My credit file now contains fraudulent accounts due to a major data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$570.00} Inquiries 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 2025-06-05 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My credit file now contains fraudulent accounts due to a major data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$570.00} Inquiries XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: OR

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I contacted Wells Fargo credit card department XX/XX/year> to advise them that I was struggling to pay the past due balance on my credit card. I was advised that I qualified for assistance that would bring my account current if I was able to make XXXX consecutive minimum payments. I made scheduled payments for XX/XX/year>, XX/XX/year>, and XX/XX/year> with the representative and was told my account would be current as long as those payments were made on time. All three payments were made and I called in on XX/XX/year> to check the status of assistance. 

When I called in on XX/XX/year> I was told that I did not qualify for assistance and that my account was not eligible for assistance on XX/XX/year> when I originally made the call. 

I was told I was eligible, set up the payments on the phone with the representative when I spoke to them XX/XX/year>. All payments cleared and the only resolution provided to me was that a message could be sent to the representative that offered me assistance manager for some coaching on the subject. I was lied to in order to make payments and feel that my account should be brought current.

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 2025-06-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
The leasing company XXXX has contacted me XXXX  months after my terminated leasing agreement to try to collect {$1200.00} without proper documentation. After several requests for an itemized move-out inspection, an itemized invoice of charges, a receipt for what our security deposit paid for, and any written lease terms that suggest we would be charged a fine. We then received notice from the debt collector, Source Receivables Management. We have given written notice to dispute this charge, and I have tried to communicate via phone call as recommended in the letter received. After speaking with them on the phone and requesting proper documentation, I was subsequently hung up on without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Servicer under contract with Federal Student Aid
State: NV

Complaint narrative:
I am writing to express serious concerns regarding my federal student loan records and repayment status, which appear to be riddled with errors and mismanagement. I have contacted the Dept of ED, XXXX XXXX, XXXX, Student Aid, and I keep getting the run around. 

Despite graduating in XXXX  from XXXX XXXX, your system still inaccurately reflects that I am currently enrolled in school. Even more troubling, my records falsely indicate I attended XXXX XXXX, which is incorrect and should be immediately rectified. 

Additionally, my loan balance currently shows approximately {$6000.00} remaining, even though the original loan amount was around {$8000.00} and I have already paid over {$13000.00} to date. It appears that the majority of my payments have gone directly to interest rather than reducing the principal, which is both alarming and unacceptable. 

In XXXX, I submitted documentation requesting this loan be formally reviewed and XXXX. I have received no response, and the matter remains unresolved. I recently received a suspicious letter dated from 2006, which raises further concerns about the authenticity and accuracy of your documentation, especially given the current state of my account. 

I am therefore making the following formal requests : XXXX. An immediate correction of all inaccurate information in my loan file, including the false school name and enrollment status. 


XXXX. A comprehensive review and discharge of this loan based on documentation already submitted. 


XXXX. A full accounting and refund of overpaid interest or improperly applied payments. 


XXXX. Written confirmation of action taken and the name and contact information of the person handling my case. 



Please be advised that I am submitting a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and will also seek legal counsel if necessary. If this issue is not addressed promptly, I will escalate it through all appropriate legal and regulatory channels. 

I expect a detailed response within XXXX business days. I can be reached at XXXX or XXXX for any further information or clarification.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Several accounts were charged off many months ago. Company stated the debts were written off as a loss, but I did not receive any IRS copies of Form 1099-C ( Cancellation of Debt ) or any information from creditors. Accounts are currently showing as past due and balances owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: MI

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 explanation
Consumer complaint received 2025-06-05 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: MI

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 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 2025-06-05 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: TX

Complaint narrative:
Pursuant to the provisions outlined in 15 U.S.C. 1666b, payments received by creditors must be promptly credited and reported accurately. I hereby dispute the erroneous reporting of late payments on the following accounts : Credit Card account opened at XXXX XXXX on XX/XX/XXXX account number XXXX * * * * * Credit Card account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXX * * * * * Credit Card account opened at XXXX/XXXX  on XX/XX/XXXX account number XXXX * * * * * * * * * * Credit Card account opened at XXXX XXXX XXXX XX/XX/XXXX account number XXXX * * * * * Credit Card account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXX * * * * * Credit Card account opened at XXXX XXXX XXXX XX/XX/XXXX account number XXXX * * * * * collection account opened at XXXX  on XX/XX/XXXX account number XXXX * * * * * * Credit Card account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXX * * * * *, as my payments were submitted timely. 
I demand immediate removal of this reporting error from my credit file. Failure to comply with this request may subject your agency to legal liability for violating federal law. Confirm the results of your all corrections made to my credit report within XXXX ( XXXX ) calendar 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 2025-06-05 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: FL

Complaint narrative:
Due to being a victim of a recent data breach, unauthorized accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I request immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX  XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$990.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} XXXX/XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6900.00} Inquiries XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IN

Complaint narrative:
On XXXX XXXX XXXX a payment was processed and funds were taken from my bank account. As of today XXXX XXXX XXXX  that payment still has not been posted and deducted from my balance. I have reached out to Mohela on 3 occasions about this and keep getting the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: NV

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-06-05 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: MI

Complaint narrative:
b'As per guidance from the consumer financial protection bureau (cfpb) the document needed and a letter from an advocacy group helping me due to human trafficking debts  which failed under trafficking according to trafficking debts final rules 1002142 (b0(4)5-1002. 142(b)(7). I kindly request that you block these accounts from my credit report within 4 days pursuant to section 605c of the fair credit reporting act. I am a victim of XXXX  XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted company information from transunion please delete the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation