vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Williams & Fudge, Inc
State: CA

Complaint narrative:
I am submitting this complaint due to an inaccurate and highly misleading tradeline being reported to the credit bureaus in connection with a student loan allegedly serviced by Williams & Fudge , Inc . 

The loan in question is a XXXX XXXX that originated over a decade ago. However, it was recently reported on my credit file with an open date of XX/XX/XXXX, no payment or delinquency history, and a sudden series of charge-offs starting that same month. There is no supporting history to justify the charge-offs, and the account is being treated as if it just began despite having no activity for many years. 

I obtained documentation directly from Williams & Fudges FICO servicing portal, which clearly shows that this account was last serviced in XXXX and placed into collections in XXXX. There is no valid basis for it to be reported as a newly opened account. 

I also contacted XXXX, and their representative confirmed she could not access the loans open date or payment history on their end either something she described as unusual and potentially indicative of missing data. 

This false and incomplete reporting caused a XXXX point drop in my credit score while I was in the process of securing a new apartment. I contacted Williams & Fudge by email with documentation and requested that the tradeline be corrected or deleted if they could not fully verify its accuracy. They have failed to take any action. 

This appears to be a case of re-aging old debt and misrepresenting it to appear new a tactic that violates the Fair Credit Reporting Act and may also fall under deceptive collection practices prohibited by the Fair Debt Collection Practices Act. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and ensure that the tradeline is either corrected with accurate historical data or permanently removed from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Conduent Incorporated
State: TX

Complaint narrative:
I innocently encountered a huge scam on XX/XX/year> while selling an item for {$15.00} on XXXX XXXX. The buyer XXXX XXXX who has a XXXX business account was attempting to purchase a binder I`m selling for {$15.00}, but I have received an email from XXXX that they payment she tried to make was put on hold. I extensively talked with the XXXX agent with the phone number ( XXXX ) XXXX regarding the verification process and unfortunately ended up paying more money than I thought to go through all the verification hoops. The XXXX agent told me to purchase gifts cards at XXXX which ended up with a total amount of {$2200.00} gift cards from XXXX XXXX ( {$400.00} ), XXXX XXXX ( {$400.00} ), and XXXX ( {$1400.00} ) from my Way2Go debit card. I thought that I would get my money credited to my XXXX account after I paid the {$1000.00} insurance fee with the XXXX gift card, but unfortunately he asked for another {$400.00} to fully complete the verification process which I truly did not enjoy. He also threatened to turn me into the FBI on two counts of internet fraud and scam, and I have not done anything illegal. This type of business practice needs to stop so that more folks do not get further scammed by the XXXX agent. I lost all of my hard earned {$2200.00} from Oklahoma Unemployment Insurance that I unintentionally used to pay for the gift cards at XXXX and have been unemployed for nine months. My hard earned {$2200.00} was to be used to pay for my monthly XXXX coverage at a price of {$680.00}. I already filed a dispute for the gift card transactions I performed at XXXX with the Way2Go dispute department but they turned down my claim due to too much conflicting information I included.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: PA

Complaint narrative:
While reviewing my credit report, I came across several accounts that I have no knowledge of. I never opened these accounts, and yet they are showing up under my name. This is not only confusing but also incredibly frustrating, as it reflects a financial history that isnt mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Statement Regarding Unauthorized Transactions Request for Investigation I, XXXX XXXX, the owner of XXXX XXXX XXXXXXXX XXXX XXXX XXXX, discovered a series of unauthorized XXXX business-to-business transfers originating from my business account at Wells Fargo. These transactions totaled over {$110000.00} USD and were carried out without my knowledge, consent, or authorization. 

Neither I nor XXXX XXXX XXXX ( XXXX ) have any affiliation with the recipient accounts. The transactions appear to have been initiated by an unknown third party, and I immediately reported the fraudulent activity to Wells Fargo on the same day. 

Despite this, Wells Fargo has since contacted me and denied my fraud claim, stating that the charges were authorized. This determination is completely unfounded. It is illogical to suggest I would willingly authorize over {$100000.00} in random transfers to unknown entities. Wells Fargo refunded only {$7500.00} of the total stolen amount and has since closed the claim without providing any justification or resolution. They also claimed that we had reported these charges too late which we did not but then they proceed to payout the oldest of the XXXX charges which makes absolutely no sense from their end! Wells Fargo is playing games and trying the pass the time. 

Details of Fraudulent Activity : Bank Name : Wells Fargo Type of Transactions : XXXX business-to-business transfers Total Estimated Amount : $ XXXX USD Date Reported to Bank : XX/XX/year> Request : I am formally documenting this fraudulent activity and requesting the assistance of law enforcement in conducting a full investigation. I seek to recover the stolen funds and hold the individuals responsible accountable. Your attention and support in this matter are greatly appreciated. 

Sincerely, XXXX XXXX XXXX, XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-08 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: IL

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

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 2025-04-08 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: NV

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: AR

Complaint narrative:
We moved out of XXXX XXXX XXXX XXXX We took photos from when we moved in a year before, and when we moved out. We left it looking better than it did when we moved it. 

They proceeded to charge us {$1200.00} worth of charges to which I asked for the invoice and break down. On that list was XXXX bags of trash removed which is obviously ridiculous. It's XXXX bedroom and XXXX bathroom. XXXX bags of trash won't even fit in there. They also attached move out pictures that were filthy. Also on the invoice I noticed it had the wrong apartment letter so I asked for clarification. They responded with that they sent the wrong thing but I still owe what the wrong invoice says. How does that make sense? 

I made a CFPB report and they collector asked for proof so I sent all my proof. Their response was that the only proof they would accept is from stadium view saying I no longer owe the debt. Make it make sense. I provided PROOF of everything and the falsified charges yet they refuse to acknowledge it. On top of that they are constantly harassing me with calls and scare tactics when I do answer.

On top of this they also put a second charge for the same amount on my fiance 's credit. So not only are they falsifying charges, they are trying to collect them twice. I asked the collection agency if our accounts were the same linked charge or not and they said it was XXXX separate things.

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 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: INTERCONTINENTAL CAPITAL GROUP
State: NY

Complaint narrative:
In XX/XX/XXXX, I engaged InterContinental Capital Group , Inc. ( ICG ) for a mortgage to buy a home. I told loan officer XXXX XXXX a large down payment was an issue, and he and XXXX XXXX assured me it would be {$2000.00} or less. On XX/XX/XXXX, closing documents showed {$5000.00} was required, contradicting their promises. ICGs delays and poor communication led to the deal collapsing on XX/XX/XXXX. This caused me to lose {$1000.00} in escrow, {$1700.00} for roof repairs, {$3000.00} toward balances, and other costs. I was evicted in XX/XX/XXXX, lost XXXX XXXXXXXX job, and was homeless for over four years. ICG may have violated the Truth in Lending Act ( TILA ) by not disclosing accurate terms and engaged in deceptive practices. On XX/XX/XXXX, I sent a certified demand letter to ICG requesting {$310000.00} for losses and damages, but they didnt respond within 30 days

Company response to consumer: Untimely response
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NJ

Complaint narrative:
My student loan debt through Mohela ( totaling {$100000.00}, which included interest ) was forgiven through the Public Service Loan Forgiveness program in XXXX. The federal student loan website shows a balance of XXXX for my loans as of XX/XX/XXXX. My XXXX  credit report show of balance of {$42000.00} as of XX/XX/XXXX. 

I have attached my loan forgiveness letter, the screenshot for my loan debt forgiveness ( with date ) and a screenshot of my XXXX credit report ( as of XX/XX/XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My checking account/ debit card was compromised for {$7100.00} and a representative told me that it is likely they are not gon na give a provisional credit because of the amount, and there is a high chance I will get declined. I work very hard for my money, I cant even pay my rent, and I told navy federal my situation, and dont care. I am going through a financial hardship since this happened. I have a new born daughter, and that was my last bit of money that I have. I thought banking with navy federal my money would be safe, but it looks like its not unfortunately. On top that I provided them with my police report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-08 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: PA

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 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 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 2025-04-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Servicer under contract with Federal Student Aid
State: DC

Complaint narrative:
Filed a XXXX complaint through XXXX and online with student aid with regards to a breach in my student loan accounts by XXXX gaining my personal information without my consent or knowledge.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-08 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: NY

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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 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 2025-04-08 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: TX

Complaint narrative:
Back in 2019 I had an account that looks similar to this account but it is for a XXXX XXXX But now that I am going through the previous reports. I do not see this company on any of my reports. Please help get this 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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Back in 2019 I had an account that looks similar to this account but it is for a XXXX XXXX But now that I am going through the previous reports. I do not see this company on any of my reports. Please help get this 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 2025-04-08 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: IL

Complaint narrative:
It has been drawn out that Credit Bureau is not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here is the inquiry that needs to be removed from my file : XXXX XXXX XXXX XX/XX/2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: NC

Complaint narrative:
This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 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 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 2025-04-08 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: PA

Complaint narrative:
I did not authorize this inquiry and had no communication with the lender on the specified date.

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 2025-04-08 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: IL

Complaint narrative:
It has been drawn out that Credit Bureau is not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here is the inquiry that needs to be removed from my file : XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation