vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Method of Verification Request Case # XXXX Dear Equifax, I am writing to formally request the method of verification regarding the information provided in Case # XXXX. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), you are required to provide the specific details of how the disputed information was verified. 

If you fail to provide proper verification within XXXX days, any unverified information must be deleted from my credit file immediately. Furthermore, any unverifiable data that remains in my file after this period will be considered inaccurate and must be removed within XXXX hours in accordance with federal law. 

Please provide a detailed response, including the name and contact information of the entity that verified the disputed information, as well as the exact process used for verification. If you can not verify the accuracy of this information, I expect its prompt removal. 

Failure to comply with these legal requirements may result in further action being taken, including formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Please send all correspondence regarding this matter to the address listed above. I appreciate your prompt attention to this request.

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 paid
Company: Sentry Credit, Inc.
State: CA

Complaint narrative:
I had an account with XXXX XXXX XXXX  XXXX ) that was paid. I tried closing the account afterwards and they wouldn't let me into the account. Then tried contacting them and said they can't find the account. 
Most recently been receiving texts messages from sentry credit inc. saying I owe them They are also texting family members as a tactic to retrieve with all of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
The government doing away with XXXX on student loans caused my credit score to go way down. The loans servicer didn't tell anyone. I didn't know it was dropped out. Now I owe way more money, negative remarks on my credit score I worked so hard for. The government can't just cancel the department of education. I needed income based repayment plans. My only choice is deferment.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to the rights granted to me under federal and state law, including but not limited to the Fair Credit Reporting Act and other related regulations, I hereby formally request that a Security Freeze be placed on my credit 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: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security XXXX XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to the rights granted to me under federal and state law, including but not limited to the Fair Credit Reporting Act and other related regulations, I hereby formally request that a Security Freeze be placed 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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX This company has been reporting a balance when this account has been charged off in XXXX. I recently ordered my credit report and disputed this information they are reporting a balance of XXXX They keep updating this information each time I get a credit report this account last payment was in XX/XX/XXXX. I would like them to remove it off. My credit report spent over seven years.

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: 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: GA

Complaint narrative:
Todays date is XX/XX/year> Im looking at my consumer report and still seeing inconsistency with XXXX  account balance increase by $ ( XXXX ) on XX/XX/XXXX even tho the account was charged-off both accounts were closed on XX/XX/XXXX they were both updated to my consumer report on XX/XX/XXXX as being in charge off status then in XXXX my XXXX XXXX account after increasing by $ ( XXXX ) and total balance being $ ( XXXX ) it somehow decreased by $ ( XXXX down to $ ( XXXX ) as if a payment was received after being charged off the XXXX credit card balance increase by $ ( XXXX ) from $ ( XXXX ) to $ ( XXXX ) thats in XXXX now XX/XX/XXXX my XXXX credit card balance went from {$0.00} back to {$1000.00} after being charged off Ive made no attempt to pay on either of these accounts and charge offs according to the IRS are XXXX GROSS OR ORDINARY INCOME ) which is cancelled debt under the ( FCRA ) 15 USC 1681 fairness and accuracy I received no documentation far as a XXXX on either account for a cancellation of debt for these constant deferent amounts Im attaching proof of these inaccuracy and items should 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 2025-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Background For the billing cycle from XX/XX/year> to XX/XX/year>, my statement balance was {$2400.00}, with an average daily balance of {$87.00}. On XX/XX/year>, I set up an autopay payment for the full balance. Upon checking Wells Fargos online platform, I saw the payment was received, which reasonably led me to believe that my balance was fully paid. 

However, unbeknownst to me, the payment ultimately failed. At no point did Wells Fargo notify me of this failurewhether via email, SMS, app notification, or mailed correspondence. I had no way of knowing that my payment had not been processed, especially when the online system indicated that it was received. Then, XXXX  days after the due date, Wells Fargo quietly applied an interest charge of {$130.00} to my account. 

Issues with Wells Fargos Practices : XXXX. Failure to Notify of Payment Failure Wells Fargos failure to notify me that my payment did not go through directly led to this issue. And they said though all other banks will notify, they don't and they won't. As a customer, I reasonably relied on the confirmation that my payment had been received. Had I been informed in a timely manner that the payment failed, I would have immediately rectified the issue and prevented unnecessary interest charges. 

XXXX. Unreasonable and Excessive Interest Charge Even if Wells Fargo disclaims responsibility for failing to notify me, the interest charged is unconscionable. The amount of {$130.00} was applied for an XXXX period, resulting in an astronomical effective APR of 5,000 %. Such a calculation defies reasonable lending practices and raises concerns about predatory interest charges.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XXXX XXXX XX/XX/XXXX - {$98.00} XXXX - XXXX XXXX XX/XX/XXXX - {$3800.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$4400.00} XXXX - XXXX XXXX - XX/XX/XXXX - {$6200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$17000.00} XXXX XXXX XXXX - XX/XX/XXXX - {$5900.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$5500.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$22000.00} XXXX - XXXX XXXX  XX/XX/XXXX - {$11000.00} XXXX - XXXX - XX/XX/XXXX XXXX {$7400.00} Hard Inquiries to Be Removed I request the removal of the following hard inquiries unless verifiable, signed proof of my authorization can be provided : XXXX - XX/XX/XXXX XXXX - 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 2025-03-29 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) 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 XXXX  business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX - XX/XX/year>, XXXX - XX/XX/year>, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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: Reliable Credit Association, Inc.
State: OR

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company disputes the facts presented in the complaint
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: TX

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

UNAUTHORIZED INQUIRIES : XXXX XX/XX/scrub>/2025 TransUnion XXXX XXXX XX/XX/scrub>/2025 TransUnion XXXX XXXX XXXX XXXX/XXXX/2025 TransUnion XXXX XX/XX/scrub>/2025 TransUnion XXXX  XXXX XX/XX/year>2025 TransUnion XXXX XXXX XXXX XX/XX/scrub>/2025 TransUnion XXXX XXXX XX/XX/scrub>/2025 TransUnion

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After reviewing my credit report, I believe this inquiry was either made in error or without my proper authorization. I did not grant permission for the inquiry, and as such, I kindly request that it be removed from my record. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request the removal of any inaccurate, outdated, or unauthorized information. 

XXXX XXXX  XX/XX/scrub>/2023 XXXX XXXX XXXX  XXXX/XXXX/2023 XXXX XXXX XXXX XX/XX/scrub>/2023 XXXX XXXX/XXXX/2023 XXXX XXXX XXXX/XXXX/2023 XXXX XXXX XXXX XXXX/XXXX/2023 XXXX XXXX  XXXX/XXXX/2023

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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Nordstrom/TD This company has been reporting information on my XXXX XXXX credit report XXXX They are reporting a balance that was charged off and they are refusing to remove it off. My credit report in XX/XX/XXXX I requested to receive a credit report. I saw that Nordstrom was reporting a a balance of XXXX. This account was charged off XX/XX/XXXX. I disputed this account and they keep updating the same information on credit report my last payment was XX/XX/XXXX thats over seven years ago. I dont know why they continue to report this information.

Company response to consumer: Closed with non-monetary relief