vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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: MI

Complaint narrative:
Reporting false information on my credit report and unauthorized balances that are excessive and harsh and fraudulent for example : XX/XX/XXXX reported balance XXXX XX/XX/XXXX reported balance XXXX XX/XX/XXXX reported balance XXXX XX/XX/XXXX reported XXXX XX/XX/XXXX reported balance XXXX XXXX XXXX XX/XX/XXXX reported balance XXXX XX/XX/XXXX reported balance XXXX XX/XX/XXXX reported balance XXXX XX/XX/XXXX reported balance XXXX XX/XX/XXXX reported balance XXXX XX/XX/XXXX reported balance XXXX XXXX balance XXXX XX/XX/XXXX reported balance XXXX XX/XX/XXXX reported balance XXXX XX/XX/XXXX reported balance XXXX XX/XX/XXXX reported balance XXXX XX/XX/XXXX reported balance XXXX XX/XX/XXXX reported balance 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 2025-03-26 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: MI

Complaint narrative:
Reporting false information on my credit report and unauthorized balances that are excessive and harsh and fraudulent for example : XX/XX/XXXX reported balance XXXX XX/XX/XXXX reported balance XXXX XX/XX/XXXX reported balance XXXX XX/XX/XXXX reported balanceXXXX XX/XX/XXXX reported balance XXXX XXXXreported balanceXXXX  XX/XX/XXXX reported balance XXXX XX/XX/XXXX reported balance XXXX XX/XX/XXXX reported balance XXXX XX/XX/XXXX reported balance XXXX XX/XX/XXXX reported balance XXXX XX/XX/XXXX reported balance XXXX XXXX7reported balance XXXX XX/XX/XXXX reported balance XXXX XX/XX/XXXX reported balance XXXX XX/XX/XXXX reported balance XXXX XX/XX/XXXX reported balance XXXX XX/XX/XXXX reported balance XXXX XX/XX/XXXX reported balance 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 2025-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: GA

Complaint narrative:
I have been trying to speak to someone at MOHELA for months. In XX/XX/2024, I was on hold for one and a half hours waiting to speak to a customer representative. I took the option to get a call back and when someone finally called me back we got disconnected. 
My employer also submitted the forms for loan forgiveness because I work for XXXX XXXX My employer and I submitted the PSLF forms in XX/XX/2024, MOHELA sent an email saying I did not complete the online application. They said I need to resubmit. XX/XX/ 2024 and I called MOHELA in XXXX and was put on hold for three hours and when someone finally answered the phone the call dropped. I have not spoken to a MOHELA representative as of yet. I applied for an income driven payment and I received a lower payment that I have been paying on time for a year. While making this payment I am receiving other emails for MOHELA with higher monthly payment saying that I have not been making payments. It's like one department is not talking to the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I am disputing a hard inquiry from JPMCB CARD dated XX/XX/year>2025. This inquiry is negatively affecting my credit and was the result of a denied application. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report for a permissible purpose. Since this application did not result in an account being opened, I am requesting that this inquiry be reviewed and removed from my credit report if it no longer qualifies as a valid permissible purpose.

I am requesting immediate investigation and resolution. If the creditor can not provide documentation of permissible purpose under the FCRA, this inquiry must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
I hope this letter finds you well. I am writing to address the inaccurate late payment listings on my consumer report, specifically concerning the accounts associated with XXXX, XXXX and XXXX, ONEMAIN and XXXX XXXX, XXXX XXXXXXXX and XXXX, with the reported late payment dated on my credit report. This is my third attempt to resolve this matter amicably. 

I still noticed discrepancies in the information being furnished on my credit report. It is imperative to acknowledge that various federal laws are in place to safeguard consumer rights and ensure fair business practices. I would like to draw your attention to 15 USC 1666 ( B ) and 15 USC 1637 a ( a ), which explicitly prohibits reporting or treating a payment on an open-ended credit plan as late for any reason.

Furthermore, 15 USC 16819 ( B ) stipulates that as a consumer, I must grant permission for the furnishing of information on my b
ehalf. To date, I have not provided such authorization to [ Name of Company Reporting Late Payment ]. Thus, the reporting of late payments without my consent is a violation of consumer protection laws.

Additionally, the billing errors identified under 15 U.S. Code 1666 ( b ) and 15 USC 1637 a ( a ), including the creditor 's failure to reflect payments properly on a statement and computation errors, further highlight the inaccuracies in the reported information. As per the Fair Credit Billing Act, the creditor is obligated to notify me at least 21 days before the due date if there are any discrepancies in the statement. Failure to do so renders any late payment designation as a billing error. The following items must be promptly updated to reflect " paid as agreed '' on my consumer report : XXXX - XXXX, XXXX XXXX XXXX ONEMAIN - XXXX XXXX XXXX - XXXX I demand conclusive evidence from the creditor 's records demonstrating that the reported late payments were indeed justified and not the result of billing errors. Your persistent failure to rectify these inaccuracies not only tarnishes my consumer report but also undermines my financial standing. 

I hereby request that the late payment listings associated with the aforementioned accounts be promptly updated to reflect accurate information or removed entirely. Failure to comply will result in legal action seeking monetary compensation for violations of my rights under 15 USC 1681n civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've tried on several occasions to dispute inaccurate credit reporting and even credit accounts that were not mine and closed accounts that were still on my credit report I received the very negative response from experience stating that they investigated and I was wrong and these debts are valid which they're not

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 2025-03-26 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: AL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-03-26 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: AL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-03-26 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-03-26 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: A & O Recovery Solutions, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX has failed to remove fraudulent collection account from my credit report, despite not providing any concrete proof that these accounts belong to me. I have undeniable evidence that Im a victim of the 2017 XXXX data breach, where my personal information was stolen. Since then, Ive been fighting for years to have these fraudulent accounts cleared from my report. Im requesting concrete proof that I, XXXX XXXX, was involved in any transactionvisual proof, not just a transaction linked to my name. No scammer would use a stolen credit card in their real name without also obtaining fake identification. Fake IDs and passports are unfortunately prevalent in todays world. Moreover, as a victim of the 2017 XXXX breach, which affected over XXXX XXXX people, its entirely plausible that scammers gained access to my stolen identity and created fake documents in my name. If one of the largest credit bureaus was breached, its reasonable to assume that these stolen identities were exploited. I need more than assumptions ; I need definitive proof of my involvement with this fraudulent account

Company response to consumer: Untimely response
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Subject : Debt Validation Dispute - Request for Removal from Credit Report To Whom It May Concern, I am writing to formally dispute the debt reported by your company, Sunrise Credit Services Group, regarding a debt allegedly owed to XXXX XXXX XXXX. I previously requested debt validation under the Fair Debt Collection Practices Act ( FDCPA ), but to date, I have not received the required validation documents. I am requesting that you immediately cease reporting this debt to the credit bureaus until proper validation is provided. 

According to the Fair Credit Reporting Act ( FCRA ), Section 1681s-2 ( b ), you are required to report accurate and complete information to credit reporting agencies. Under FCRA Section 1681i ( a ) ( 1 ), I have the right to dispute any item on my credit report that I believe is inaccurate or incomplete, and I am entitled to a full investigation of that dispute.

In addition, under FDCPA Section 809 ( b ), once a consumer disputes a debt in writing and requests validation, the debt collector must cease collection activities until they provide the required validation. It has been [ insert the number of days since your initial request ] since my request, and I have not received any documentation verifying the debt or proving that I owe the amount stated. 

Failure to validate the debt within the time frame outlined by the FDCPA requires you to cease reporting the debt to the credit bureaus. Therefore, I request the following actions : Immediate removal of the alleged debt from my credit report, as it has not been validated.

Verification of this debt, including documentation from XXXX XXXX XXXX that it is valid and that you have the legal right to collect on it. 

Cease any further collection efforts on this debt until proper validation is provided. 

If you fail to respond with proper documentation of this debt, you must remove it from my credit report as required under the FCRA and the FDCPA. 

Please ensure that your investigation is completed and that you provide a response within 30 days of receiving this letter, as required by the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your response and the resolution of this issue. 

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 2025-03-26 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: MO

Complaint narrative:
Recently while reviewing my credit report, I noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of. Here is a list of inquiries that I found. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX These hard inquiries do not have permissible purpose according to the four-credit reporting act. Anything furnaced on my consumer credit report must have permissible purpose according to 15 USC1681B.

Please remove these fraudulent inquiries from my credit consumer report. Delete this hard inquiry because it doesn't have permissible purpose according to 15USC1681B.

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 2025-03-26 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: NY

Complaint narrative:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX Social Security XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable.

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law.

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report.

An updated credit report reflecting the corrected information.

Written confirmation of the actions taken to resolve this dispute.

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, NY, 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 2025-03-26 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: Chime Financial Inc
State: CA

Complaint narrative:
1 ) What Happened : On XX/XX/XXXX, I purchased an XXXX XXXX XXXX XXXX for {$1600.00} on XXXX from the seller computermasons. The item was delivered on XX/XX/XXXX, and per the sellers message and XXXX policy, I had until XX/XX/XXXX to return the item. I chose to return it within this period and followed all of eBays guidelines : I dropped off the item at XXXX XXXX in XXXX XXXX on XX/XX/XXXX, at XXXX PM ( receipt available ). 
The item was returned in original packaging and condition ( with photo proof ). 
I used the return shipping label provided by the seller, with tracking included ( screenshot proof ). 
XXXX tracking confirms delivery and signature by XXXX on the sellers end ( screenshot proof ). 
The return window officially closed on XX/XX/XXXX, so the item was clearly returned within the allowed timeframe. 
Despite this, the seller never responded to my XXXX messages ( screenshots provided ), and no refund was issued. 

I contacted XXXX support multiple times, and each agent confirmed I followed the proper procedure. Unfortunately, due to internal changes, XXXX was unable to re-open the return or issue the refund, even though they acknowledged I was in the right. Agents apologized, acknowledged the flaw in their system, and encouraged me to file a dispute with my bank for resolution. 

Additionally, delays in scanning the package were caused by local wildfires impacting FedEx operations, which is out of my control and does not change the fact that I returned the item on time, using the correct method, with clear proof of delivery. 

As of XX/XX/XXXX, I have been out {$1600.00}, despite doing everything required of me and acting in good faith.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-26 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: GA

Complaint narrative:
I submitted all required information regarding identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 XXXX 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 explanation
Consumer complaint received 2025-03-26 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: FL

Complaint narrative:
Okay I was banking with Wells Fargo I was getting like overdraft fees they will charging me interest even when I have money in the bank go overdraw money out of bank even when I receive XXXX like the fees were ridiculous and if I have money there I shouldn't be getting overdraft fees and it's just it was just crazy I asked them about it and they told me that was the policy about the fees and all the other stuff

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