vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synergetic Communication Inc
State: PA

Complaint narrative:
I am writing to file a formal complaint regarding an invalid debt that has been reported on my credit file without proper validation and based on false or inaccurate charges. I received a notice via email on XX/XX/XXXX, regarding charges related to a property I leased from XX/XX/XXXX, to XX/XX/XXXX. However, the statement of charges I received does not provide any valid or detailed explanation of the charges, nor does it prove that I am responsible for them. 

After we moved out, the house was left clean. There was no trash that required removal, and we never received a water bill. Despite this, we were charged for services we were not made aware of at the time of move-out. Additionally, the landlord allowed new tenants to view and move into the property while we were still residing there. 

The alleged debt recently appeared on my credit report, although I was never contacted with any detailed validation of the debt after my initial inquiry. The only response I received was a generic statement of charges repeated multiple times with no actual proof or explanation. It is worth noting that they took our entire security deposit and charged additional fees that appear to be unfounded. 

XXXX of the charges includes a returned payment fee, which is inaccurate. My fianc and I provided bank statements to prove that the payment in question was never returned. This has been further confirmed by their bank. Despite this evidence being submitted, I have received no resolution or follow-up communication. 

This matter is negatively impacting my credit report, and I believe the debt is invalid, unverified, and should not have been reported. I have fulfilled my obligation as a tenant and dispute the validity of these charges and the debt that has been listed. The landlord or management company has failed to provide accurate, complete, or timely information, and continues to attempt to collect on an unsubstantiated debt. 

I am requesting that this account be removed from my credit report immediately and that all collection efforts cease unless and until valid, legal proof of this debt is presented.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: Experian Information Solutions 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 explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
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  He then stole my belongings ( Cell phones, XXXX XXXX XXXX, car keys, wallet containing passport, social security card and bank cards ) and put them in his backpack before he fled while I was on the floor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX when I tried to retrieve them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc.
State: PA

Complaint narrative:
I am disputing a collection account related to XXXX XXXX that appeared on my credit report without any prior notice. I was unaware of any outstanding balance or debt owed, as I moved from the residence on XX/XX/XXXX. At the time of my move, I was under the impression the account was closed or transferred. I was later informed by a XXXX XXXX representative that the account was no longer in my name and had been switched to someone else. 

I only became aware of this alleged debt after noticing the collection on my credit report. I then contacted the collection agency and requested a debt validation letter. What I received was a typed document with no clear verification that this debt is mine. It lacked a proper breakdown, documentation, or proof tying the charges directly to me. 

Additionally, I reviewed the payment history with a representative, and based on the information discussed, I do not believe I am responsible for this debt especially considering that other residents also lived at the property, and I had moved prior to the final balance being applied ( the balance did not appear until late XX/XX/XXXX ). 

Furthermore, I never received any shut-off notices or communication about this account prior to seeing it on my credit report. There is no online XXXX XXXX account associated with my information I was advised by a representative that no such account exists in their system. It has now been XXXX years since I lived at the residence, and this alleged debt is only now surfacing on my credit report, which raises serious questions about its validity and timing On XX/XX/XXXX, at XXXX XXXX, I called to speak with a supervisor in the collections department. I spoke with a representative named XXXX. I politely explained that I was requesting a detailed and accurate debt validation letter, and I stated that I was only comfortable providing my name and mailing address. XXXX became rude, condescending, and combative. She refused to provide clear answers, would not confirm whether calls were recorded, and treated me in a dismissive and unprofessional manner. When I asked for her supervisor and requested a specific time to follow up, she said later without giving any actual timeframe. When I asked her to clarify, she responded sarcastically and ultimately hung up on me. 

I am extremely concerned about the legitimacy of this debt, especially given the lack of transparency, poor communication, and disrespectful conduct from the collection agencys staff. I am requesting a thorough investigation and that this item be removed from my credit report, as it has not been properly validated and does not appear to be my responsibility. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo bank because on Friday XXXX my account had payments taken out of overnight which caused it to go negative. The next day I made the appropriate deposits to cover these transactions before the XXXX cut off time and it was brought current before 24 hours. I wake up on XX/XX/year> today and see that I have XXXX {$35.00} overdraft fees that were put on my account XXXX 3 days later. My account was already brought to positive from these transactions and I should not have been issued this. I called them and they said they couldn't remove the fees and the timing of the bank was different and they didn't count it until yesterday or something. I dont know but it makes no sense and not only can I not afford this right now now but it is just wrong when I covered the transactions, had extra money in there and used my account after. I brought my account current immediately this is a wrongful charge. The system wouldn't let them do it and neither would a supervisor they said they escalated it but it will take 2 business days and I know that my account will stay negative and they will charge me more fees while they figure it out!

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 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: PA

Complaint narrative:
SO i had 6 unauthorized transactions on my debit card. And i know who the person was i filed a police report with the city of XXXX it is assigned to one of there fincance crime detectives and i have the police report phone number. i submitted this along with an affidavit and witness information to netspend in the amount of {$2000.00}. I did my forma dispute and written request. They did there investigation and gave me a templated response. Ive asked for them to give me the results of there investigation. Which there wasnt one i followed up with XXXXXXXX XXXX, The XXXX police and my witness XXXX. Point blank they did nothing. No investiigating. I did not make or authorize any transcaaction. They clearly just dont want to give me provisional funds and or find the results of any investigation. Its like i take hours detailing al this information relevant to the use of my card and they spin me from service to service where no one else seems to have an answer or knows where to refer me. ive called them 3 times ask the information be emailed and they refuse to give me the results.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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

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 2025-06-10 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written conse
nt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written conse
nt.

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 2025-06-10 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
The beginning of XXXX I inquired about enacting my payment assurance protection plan Ive been paying for. Consistently ignored and given the run around. Then started negatively reporting to credit agencies ruining me. Ive emailed, called and treated so poorly, used their online form. Always given same generic response and provide numbers that say technical difficulties. This is out of hand. They have even called my work. I feel it is becoming a legal issue. I have screenshots of my attempts to communicate the last couple months. I also reported to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I submitted written disputes to XXXX XXXX, and XXXX  regarding inaccurate late payment reporting on my federal student loan ( Dept. of Education/Aidvantage , acct. # XXXX ). The disputes were received on the following dates : XXXX  : XX/XX/year> XXXX  : XX/XX/year> XXXX  : XX/XX/year> I also submitted additional supporting documentation within the 30-day investigation window for each bureau. Under the Fair Credit Reporting Act ( FCRA ), each bureau had up to 45 days to complete their investigation and have since closed my disputes without correcting or deleting the inaccurate information.

The Aidvantage account history confirms the loan was in capitalized interest status with no payments due from XXXX through XX/XX/year>. The account was paid in full on XX/XX/year>. There is no record of missed or late payments, yet all three bureaus are reporting 90- and 120-day delinquencies for early XXXX  with no 30- or 60-day lates leading up to them.

These entries are false and harmful. The bureaus have not provided any verification to support the derogatory marks and have ignored clear documentation from the loan servicer. This violates FCRA requirements for accurate and verifiable reporting.

I am requesting that the CFPB require all three bureaus to remove these inaccurate late payment entries immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I went to Bank of America XXXXXXXX XXXX XXXX  branch. I made a payment of XXXX in the atm machine. The atm machine printed out we apologize for the inconvenience we are unable to process your request and can not return your items please contact our electronic claims. I was at the branch the lady XXXX XXXX was being rude and wouldnt really help she was on hold with customer service. I called the police in XXXX XXXX XXXX. They wouldnt make a police report they said this not criminal matter but it is money lost or stolen .I still havent have issue resolved. I m really worried.

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 2025-06-10 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: OK

Complaint narrative:
I was surprised to find a late payment listed on my account, especially given my consistent history of timely payments. This error is causing undue stress, and I kindly request that you correct my records promptly.

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 2025-06-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently found that there are unauthorized and fraudulent inquiries on my credit report that don't belong to me. I am not the one who initiated these inquiries. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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