vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 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:
I sent a dispute letters to Experian requesting proof that they had verified an account on my credit report prior to reporting the information. Since that time I have sent 3 additional letters requesting this data, which they have not provided. Consumers are entitled to review the original sources of the information reported, including originating documentation. Since no information at all has been provided by the bureau, it is impossible to verify that these accounts are being reported accurately. Please direct Experian to promptly remove the unverified items from my credit report until they can verify their legitimacy. I have attached copies of all letters sent, along with receipts from the U.S. Postal Service indicating the mailing dates and the date they were received by the credit bureau, along with copies of all correspondence I have received from the bureau. Thank you very much for your help.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had requested information when I close the account in person or over the phone with evidence, because the information reported in my credit report its inaccurate like stolen identity. Its been reported that I request to close the account in fact was Wells Fargo bank that close the account. 

at the bottom its the letter of the response on the one they request more time again, and again and the next day closing the claim or the ticket of this complaint.

I will be forwarding all documentations to the department of justice office of civil rights.

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 2025-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I am receiving ongoing communications from Midland Credit Management , Inc., located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. The calls originate from XXXX and are led by a representative named XXXX XXXX, who identified himself as a Division Manager. 

They are attempting to collect an alleged debt of {$8100.00} that I do not acknowledge. Based on all available information, this debt is likely time-barred and therefore not legally enforceable. Despite this, Midland continues to send letters and make contact including to my parents ' address in Florida, which is not and has never been my legal address. 

This third-party communication without my consent is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c. I have submitted a credit dispute through Experian and I am preparing formal legal documentation, including a cease-and-desist letter. 

I am demanding that Midland Credit Management : - Cease all communication with me and third parties immediately - Provide full written verification of the debt - Confirm in writing that this account is closed and no further contact will occur - Acknowledge that this debt is time-barred and unenforceable - Remove any derogatory information from my credit reports This complaint should be reviewed for potential violations of federal consumer protection laws and harassment of third parties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I found Inaccurate Negative Items on my credit report. I contacted the furnisher, received NO verifiable response, and I am requesting a Full Investigation under Fair Credit Reporting Act ( FCRA ). Please remove this unverifiable item. Clean. Legal. powerful.

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 2025-05-19 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: MS

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving this matter.

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 2025-05-19 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: MS

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TransferWise Ltd
State: VT

Complaint narrative:
On XX/XX/XXXX at approx. XXXX XXXX  I issued a transfer to XXXX. XXXX XXXX XXXX XXXX 's bank via WISE in the amount of XXXX XXXX. I have previously sent XXXX other payments through WISE for XXXX XXXX, and XXXX for XXXX XXXX, in both cases I was required to send " Verification '' of ownership of my bank, in both cases it was an ordeal of emailing WISE directly as they continued to deny the bank statements I sent to them showing the requested information they needed. Each time the email simply stated that there was a technical issue and things are fixed. 

I was requested again to verify ownership of my account before processing the XXXX XXXX  payment. However, this time the customer service representative was quite rude and informed me that they would not take this document as it did not have : your full name as the account holder your bank details ( like your account number ) However, both my name, address, account number, and member number of my Credit union as well as the bank letterhead and account type ( basic checking ) was clearly visible on multiple pages of the statement. 

I have continued to send various statements only to be denied again and again. 

Attached is the Document in question for verification as well as the Screenshot with their requested information that they are claiming they are denying verification for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: NJ

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX # XXXX * * - Date Opened XX/XX/year>

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 2025-05-19 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: NJ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: GA

Complaint narrative:
Dear Credit Reporting Agency, I am writing to formally dispute an inaccurate item being reported on my credit report. The account listed below is being reported with an incorrect date opened across all three credit bureaus. This error constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported to consumer reporting agencies be complete and accurate. 


Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Disputed Information : Date Opened Inaccurate Reported Date Opened : XX/XX/XXXX, XX/XX/XXXX Correct Date Opened : XX/XX/XXXX This error materially affects the age of the account and overall credit history. I have included supporting documentation clearly showing the correct date the account was opened, including : A copy of the original account opening confirmation or agreement from the creditor Correspondence from the creditor verifying the original account opening date Since the reported " date opened '' is demonstrably inaccurate, and such misinformation can significantly impact my creditworthiness, I respectfully request the following : Deletion of the account from my credit report, as required by the FCRA. 

Please provide written confirmation of the outcome of your reinvestigation within the XXXX period mandated by law. I also request an updated copy of my credit report reflecting the results of your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely,

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Re : Request for Deletion of Inaccurate/Incomplete Charge-Off Entry I am writing to formally dispute inaccurate information that appears on my credit report. I recently reviewed my credit file and noticed a tradeline related to XXXX account # XXXX reported as a charge-off with multiple late payments. I dispute this information and request an immediate investigation and deletion of any inaccurate or unverifiable entries under the Fair Credit Reporting Act ( FCRA ). 
According to 15 U.S.C. 1681i, the credit reporting agency must conduct a reasonable reinvestigation of any disputed information. If the information can not be verified, it must be deleted.

The reporting of both late payments and a charge-off for the same period may constitute duplicative derogatory reporting, which has been found to be misleading. In XXXX XXXX Trans Union XXXX XXXX, 2022 XXXX XXXX ( XXXX. XXXX XXXX XXXX, 2022 ), the court ruled that the reporting of a charged-off account with multiple post-charge-off late payments was potentially misleading and therefore could violate 1681e ( b ) of the FCRA, which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

Furthermore, charge-offs are a one-time event that reflects a creditor 's internal accounting determination that the debt is unlikely to be collected. Continuing to report monthly late payments after the charge-off date implies ongoing delinquency, which is inconsistent with the nature of a charge-off and can be misleading to lenders reviewing my credit report.

As required under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the disputed information is found to be inaccurate, incomplete, or can not be verified, it must be promptly deleted or modified.

I request the following action : 1. Immediate investigation into the reporting of this tradeline.

2. Removal of any inaccurately reported late payments after the charge-off date.

3. If the item can not be verified with appropriate documentation from the furnisher, I request it be removed entirely from my credit report.

Please provide me with a written statement regarding the outcome of your investigation, and a copy of my updated credit report. As provided by law, this reinvestigation must be completed within 30 days. 
Sincerely, 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 2025-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MO

Complaint narrative:
I previously submitted multiple discharge applications for False Certification and Identity Theft, which were not addressed by AidVantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am writing to formally request that PORTFOLIO RECOVERY, immediately cease all collection activities, including reporting the alleged debt on my credit report. The debt in question is being incorrectly attributed to me, and I firmly deny owing the stated amount. PORTFOLIO RECOVERY has inaccurately reported a collection account on my credit report and has failed to provide proper documentation or evidence to substantiate the debt, such as my signature or a binding contract between myself and PORTFOLIO RECOVERY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
On XX/XX/XXXX I purchased an e bike from a company called keep bike the transaction was made through a company called shop using my costco citi bank visa. I was supposed to be directed to a paypal screen for purchase with payments. However the button I clicked was for purchase with the citi card. Instantly it completed the transaction. I then quickly clicked to cancel order. I also sent two emails canceling the order. I notified costco citi bank visa. The company that handled the transaction has no way to cancel transaction. I called keep bike and they said that it would take XXXX business days to process. The total cost of the bike is XXXX. Dollars. Citi bank said that they would investigate and that they would not charge my card until it was resolved. On the week of the XXXX of XX/XX/year> I transferred my citi card balance to a XXXX interest card. Thats when citi bank said they completed their investigation and said that I am liable for the money. I have not received an E bike.

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 2025-05-18 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: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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 XXXX XXXX, Ga XXXX Re : Request for Deletion of Inaccurate/Incomplete Charge-Off Entry I am writing to formally dispute inaccurate information that appears on my credit report. I recently reviewed my credit file and noticed a tradeline related to XXXX XXXX  ACCOUNT # XXXX reported as a charge-off with multiple late payments. I dispute this information and request an immediate investigation and deletion of any inaccurate or unverifiable entries under the Fair Credit Reporting Act ( FCRA ). 
According to 15 U.S.C. 1681i, the credit reporting agency must conduct a reasonable reinvestigation of any disputed information. If the information can not be verified, it must be deleted. 
The reporting of both late payments and a charge-off for the same period may constitute duplicative derogatory reporting, which has been found to be misleading. In Norman v. Trans Union , LLC, XXXX  XXXX XXXX ( XXXX. XXXX XXXX XXXX, XXXX  ), the court ruled that the reporting of a charged-off account with multiple post-charge-off late payments was potentially misleading and therefore could violate 1681e ( b ) of the FCRA, which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 
Furthermore, charge-offs are a one-time event that reflects a creditor 's internal accounting determination that the debt is unlikely to be collected. Continuing to report monthly late payments after the charge-off date implies ongoing delinquency, which is inconsistent with the nature of a charge-off and can be misleading to lenders reviewing my credit report. 
As required under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the disputed information is found to be inaccurate, incomplete, or can not be verified, it must be promptly deleted or modified.

I request the following action : 1. Immediate investigation into the reporting of this tradeline.

2. Removal of any inaccurately reported late payments after the charge-off date.

3. If the item can not be verified with appropriate documentation from the furnisher, I request it be removed entirely from my credit report. 
Please provide me with a written statement regarding the outcome of your investigation, and a copy of my updated credit report. As provided by law, this reinvestigation must be completed within 30 days. 
Sincerely, XXXX XXXX ________________________________________

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Ally Financial issued IRS Form 1099-C for a vehicle loan related to a XXXX XXXXXXXX XXXX XXXX stating that {$7300.00} in debt was canceled. The cancellation was reported to the IRS, and I received Copy B of the 1099-C as confirmation.

Despite the official cancellation of this debt, Ally has continued to contact me requesting payment and is still reporting a balance on my credit report. I even made payments after the 1099-C was issued, unaware the debt was discharged. This activity appears to violate the Fair Credit Reporting Act ( FCRA ), which requires companies to report accurate information. A canceled debt should not show as active or have a remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
ALL THREE BUREAUS ARE REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT. EXPERIAN REPORTING A SCORE OF 594, TRANSUNION REPORTING A SCORE OF 592, AND EQUIFAX REPORTING A SCORE OF 704. 

All three bureaus are in violation of all Consumer Rights. Racial Profiling Social Profiling Geogphical Profiling Misleading Information on credit reporting. This is simply outrageous. Never updating accurate information.

I paid off over {$3500.00} in loans off and EQUIFAX dropped my score.

I request a rescission from all three Bureaus that received payment for accurate credit reporting which i paid a service fee for. All three Bureaus will receive LACHES FOR THIER INVOLVEMENT OF INACCURATE REPORTING. A INJUNCTION WAS SENT TO ALL BUREAUS ON MY BEHALF. I WILL IMPLY IMPLIED AUTHOURITY THROUGH THE UNITED STATES SUPREME COURT SYSTEM THAT ALL COMPANY 'S THAT I HAVE DONE BUSINESS WITH AND THAT ALL BUREAUS SHOW ME THAT THIS INCORPERAL ENTITY XXXX XXXX XXXX. EXIST. 15 USC 28 3002-10 ( Person ) ALL information on my credit report should be in perfect standing with debt to ratio i have no debt. My score should be in the mid 750 's. 

I request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.I request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.

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