vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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:
I'm a victim of identity theft, whoever stole my identity opened fraudulent accounts in my name and the accounts are reporting negatively on my credit report. Here are some of the fraudulent inquire 's and accounts ... .I also attached supporting documents. In accordance with the Fair Credit Reporting Act, I hereby request a thorough investigation into these items and their subsequent removal from my credit report. It is my understanding that you are obligated to verify these items with the relevant creditor. Any information that the creditor can not validate should be promptly deleted. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), this reinvestigation must be completed within 30 days of receiving this letter. Please provide an updated copy of my credit report to the address provided above. As per the act, no fee should be charged for this updated report. Additionally, I kindly request that you notify anyone who has received my credit report in the past XXXX months of any corrections made. Thank you for your attention and assistance in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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:
I'm a victim of identity theft, whoever stole my identity opened fraudulent accounts in my name and the accounts are reporting negatively on my credit report. Here are some of the fraudulent inquire 's and accounts ... .I also attached supporting documents. In accordance with the Fair Credit Reporting Act, I hereby request a thorough investigation into these items and their subsequent removal from my credit report. It is my understanding that you are obligated to verify these items with the relevant creditor. Any information that the creditor can not validate should be promptly deleted. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), this reinvestigation must be completed within 30 days of receiving this letter. Please provide an updated copy of my credit report to the address provided above. As per the act, no fee should be charged for this updated report. Additionally, I kindly request that you notify anyone who has received my credit report in the past XXXX months of any corrections made. Thank you for your attention and assistance in 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 2025-04-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am filing a complaint against Experian for failing to remove a collection account from my credit report, despite my submission of complete documentation regarding a serious and extended medical hardship. 

In XX/XX/year>, I underwent XXXX XXXX and was hospitalized for over a month, followed by several more surgeries and an extended recovery process due to XXXX XXXX XXXX XXXX, XXXX, and XXXX. I was XXXX XXXX  and unable to return to work until XXXX 2023. I was enrolled in XXXX ( XXXX  XXXX ) during this time, had no income or savings, and lived temporarily with me ex-husband for survival. 

Upon regaining consciousness after XXXX XXXX  on XX/XX/year>, I instructed my ex-husband to return the keys to the leasing office and inform them I would not be able to return due to my health condition and hospitalization. I was never able to physically return to the property and had no control over the lease. Despite this, the apartment management sent the account to collections ( XXXX XXXX ). 

I submitted a formal dispute to Experian, including a physicians letter confirming the medical timeline, my XXXX insurance card, and tax returns showing extremely low income ( under {$7500.00} ). Despite this, Experian denied my dispute and allowed the collection to remain, without proper investigation or acknowledgment of the unique hardship circumstances. 

I believe this violates the Fair Credit Reporting Act ( FCRA ), which requires Experian to report only accurate and complete information. Leaving this collection account on my report without reflecting the full context misrepresents my creditworthiness and harms me unfairly. This is a form of systemic injustice toward consumers who experience temporary XXXX and medical crises. 

I am requesting CFPB to investigate Experians handling of this dispute and require the removal of this collection account from my 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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Nelnet, Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against NELNET, XXXX, XXXX, and XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education.

Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-02 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: TN

Complaint narrative:
MY name XXXX XXXX and I am formally disputing the inaccurate information listed on my credit report, in accordance wen 15 U.S.C. 1691b and 15 U.S.C. 16896, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as hey have no legal basis to report anything under my name Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identify theft, Pursuant to 18 U.S.C. 8, I do not owe any debt to these entities, and I demand the Immediate deletion of any and all inquiries in question to correct my credit report. 

Please address this mater promptly and confirm the removal of the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: CA

Complaint narrative:
I am writing to formally file a complaint against [ Credit Bureau ] for failing to adhere to consumer protection laws under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. Despite my lawful disputes regarding inaccuracies on my credit report, [ Credit Bureau ] has failed to conduct a proper reinvestigation and continues to report incorrect information, in violation of my rights as a consumer.

The violations in question include but are not limited to : * Failure to remove inaccurate or fraudulent accounts despite lack of verification.

* Failure to conduct a reasonable reinvestigation as required under FCRA 1681i.

* Continued reporting of unauthorized credit inquiries without permissible purpose under FCRA 1681b. 
* Failure to provide adequate documentation proving the validity of disputed information. 
I have made multiple attempts to resolve these issues directly with [ Credit Bureau ] by disputing the inaccurate information, but they have not complied with their legal obligations. These violations have caused undue financial hardship, including potential impacts on my credit score and access to financial opportunities.

In accordance with FCRA 1681s ( a ), I am formally requesting the Consumer Financial Protection Bureau to investigate [ Credit Bureau ] actions and take appropriate enforcement measures. I have attached copies of my dispute letters, [ Credit Bureau ] responses ( if any ), and any supporting documentation proving their non-compliance. 
I kindly request that the CFPB intervene and ensure that [ Credit Bureau ] adheres to federal laws protecting consumer rights. Please confirm receipt of this complaint and inform me of any actions taken regarding 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 explanation
Consumer complaint received 2025-04-02 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: CA

Complaint narrative:
I am writing to formally file a complaint against [ Credit Bureau ] for failing to adhere to consumer protection laws under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. Despite my lawful disputes regarding inaccuracies on my credit report, [ Credit Bureau ] has failed to conduct a proper reinvestigation and continues to report incorrect information, in violation of my rights as a consumer.

The violations in question include but are not limited to : * Failure to remove inaccurate or fraudulent accounts despite lack of verification.

* Failure to conduct a reasonable reinvestigation as required under FCRA 1681i.

* Continued reporting of unauthorized credit inquiries without permissible purpose under FCRA 1681b. 
* Failure to provide adequate documentation proving the validity of disputed information. 
I have made multiple attempts to resolve these issues directly with [ Credit Bureau ] by disputing the inaccurate information, but they have not complied with their legal obligations. These violations have caused undue financial hardship, including potential impacts on my credit score and access to financial opportunities.

In accordance with FCRA 1681s ( a ), I am formally requesting the Consumer Financial Protection Bureau to investigate [ Credit Bureau ] actions and take appropriate enforcement measures. I have attached copies of my dispute letters, [ Credit Bureau ] responses ( if any ), and any supporting documentation proving their non-compliance. 
I kindly request that the CFPB intervene and ensure that [ Credit Bureau ] adheres to federal laws protecting consumer rights. Please confirm receipt of this complaint and inform me of any actions taken regarding this matter. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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:
Experience has failed to fulfill its legal obligation under the fair credit reporting act ( fcra ) to conduct a reasonable re-investigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. the consumer financial protection bureau ( cfpb ) has recently filed a lawsuit against experian alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify customers of dispute outcomes. these failures aligned with my experience where experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing I am requesting immediate corrective actions to remove or amend the disputed accounts, as experians inaction violates federal law and my rights as a consumer

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 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint against XXXX. I requested them to provide proof of the debt that they are trying to collect also with chain of ownership. This debt is not owed by me and should be deleted from my credit report immediately. The creditor XXXX  is in violation of FAIR CREDIT REPORTING ACT 15 U.S.C.1681b and 15U.S.C.1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: CA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
EVERYTIME I TRY TO MAKE A ONLINE PAYMENT TO A ONLINE STORE CALLED XXXX XXXX MY PAYMENTS KEEP GETTING DECLINED EVEN IF THERE'S MONEY IN MY CHECKING ACCOUNT AS A RESULT OF THIS CURRENT PROBLEM HAPPENING IT HAS MADE MY XXXX SCORE DROP XXXX XXXX  POINTS, MY XXXX SCORE WAS XXXX NOW IT'S AT XXXX SCORE LEVEL PLEASE HELP TD BANK IT DESTROYING MY CREDIT SCORE, I'M SENDING ATTACHMENTS OF WHAT'S HAPPENING EVERYTIME I TRY TO ATTEMPT TO MAKE ON TIME PAYMENTS WITH XXXX XXXX, I HAVE BEEN MAKING PAYMENT WITH THE SAME BANK ACCOUNT FOR OVER A YEAR NOW XXXX XXXX HAS NOW BLOCKED MY PAYMENTS TO XXXX XXXX, PLEASE HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. 
Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX ( ACCT # 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 2025-04-02 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: LA

Complaint narrative:
Iam sending over the documents u ask for again even though I send it with the disputes already please remove these fraudulent accounts from my credit reports and stop stalling my process by asking for info I already sent Thank u

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: KY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-02 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: PA

Complaint narrative:
My identity has been stolen, and I am seeking your help AGAIN to swiftly remove these fraudulent items. I kindly request that you delete this specific item as soon as possible and ensure that all other incorrect details are promptly 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 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX they close my account with my money dont belong to them i need my check of the amount they took away from me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: NJ

Complaint narrative:
Im writing to request that you thoroughly review the account listed on my credit report and certify that all the data associated with it accurately belongs to me.

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 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XXXX XXXX while checking my Wells Fargo accounts online banking app on my phone, I noticed a transfer of {$10000.00} from savings to checking happened overnight and a withdrawal for " Billpay XXXX XXXX  XXXX  '' in the amount of {$4900.00} has been authourized showing as " pending '' and the amount has been deducted from the checking account, with a balance of {$5600.00}. ( Note : My checking account had {$630.00}, prior to the unauthorized transfer from savings to checking ). 

I contacted Wells Fargo fraud department regarding the unauthorized activites and representative advised to close both accounts and open new accounts and transfer the existing funds to new account, which I did. 

I transferred the {$5000.00} from my new job checking account to the new savings account and requested wells fargo to get with XXXX  to stop the bill pay service, since it was in pending and recover the money going forward to fraudster. Wells Fargo associate advised since the claim has been filed, they have a dedicated team that will investigate following their procedure, protocols etc. I did not want to call chase bill pay service on my own which may interfere in Wells Fargo investigation. 

Later that night, the {$4900.00} bill pay charge disappeared and the money was credited back on my checking account, which I immediately transfered another {$5000.00} to my savings. The next day morning XX/XX/year>, checking my wells fargo account, the fraudulent " Bill pay XXXX XXXX  XXXX   '' of {$4900.00} showed up " Posted '' to my checking account, wiping off my {$620.00} with a negative balance of XXXX. 

I was hoping Wells Fargo upon investigating will credit my checking account. They sent me a letter stating that they did not find any fraudulent transfer and I or some I authorized someone to do the transaction and closed the claim. After hearing this I filed a police report and went to Wells Fargo bank to speak to the manager where I opened my Savings account. He called the same fraud investigating team and pretty much did not go anywhere and asked me to file police report and fax the police report and the documents submitted for investigation to wells fargo again. This is where I am at this time and need your help too.

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: MA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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