vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon reviewing my credit file, I identified potentially incorrect and questionable remarks that appear to lack proper verification. As a consumer, I am exercising my rights to request the immediate removal of these items in compliance with both federal and state consumer protection laws. This letter also serves to confirm whether your reporting practices align with the Fair and Accurate Credit Transactions Act ( FACTA ), Title 1, Section 151, which sets clear guidelines for proper verification procedures. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$4200.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Upon reviewing my credit file, I identified potentially incorrect and questionable remarks that appear to lack proper verification. As a consumer, I am exercising my rights to request the immediate removal of these items in compliance with both federal and state consumer protection laws. This letter also serves to confirm whether your reporting practices align with the Fair and Accurate Credit Transactions Act ( FACTA ), Title 1, Section 151, which sets clear guidelines for proper verification procedures. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$4200.00} XXXX XXXX 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 2025-05-02 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: AL

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 2025-05-02 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), you are legally required to verify the accuracy and authenticity of any disputed information within XXXX  days of receiving this correspondence. If the disputed information is connected to a data breach, the FCRA further mandates that such information be deleted or blocked within XXXX business days. Should you be unable to verify the item, you are obligated by law to remove it from my credit report. 

I have submitted a notarized affidavit attesting that my credit file includes fraudulent accounts and unauthorized inquiries. Based on this sworn statement, I am requesting immediate corrective action to remove or block the disputed information in order to mitigate further harm and to maintain compliance with federal regulations. 

If you fail to verify the disputed data and continue reporting it in breach of the FCRA, I will be compelled to pursue legal action to recover actual damages and seek declaratory relief under FCRA XXXX Civil Liability for Willful Noncompliance [ 15 U.S.C. 1681n ]. For your review, I have enclosed a copy of this statute. It grants me the right to bring legal proceedings in any competent federal or state court, including small claims court. 

I anticipate a prompt and lawful resolution of this issue in line with your legal responsibilities.

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 2025-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: NY

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
XXXX was the company. 

Basically I applied for an FHA loan a few years ago maybe XXXX years ago. They tried saying that I had to have a XXXX XXXXXXXX down payment for a XXXX  XXXX loan. I am aware of a person who got an FHA loan for 1 % with a XXXX XXXX XXXX so I know for a fact this is not true. My score at the time was XXXX. That score was fine to have a 6 % approval. His name was XXXX and he said he would ask his XXXX to contact me but they never did. I desperately need to be able to have this and I don't deserve this. I have to live in terrible tiny rentals and I should have been able to buy a house or apartment just like anyone.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
on Friday XX/XX/year> I tried using my laptop computer at home to get a free copy of my Transunion Credit Report. I was visiting a lender XXXXXXXX who provided a link on their website ( XXXX ) to connect to XXXX Credit Report ( XXXX ). this link in turn failed to download the Transunion credit report to my computer. 

The page failed to load and eventually reported that the request had timed out due to some error on their end and encouraged me to contact my XXXX if the problem persists. I attempted to contact the customer support phone link, but was instead connected to the Transunion support line. Transunion support representative XXXX talked to me and suggested that the website XXXX XXXX XXXX was a government linked platform to communicate directly with Transunion and the company ( Transunion ) does not maintain that website. She offered a suggestion that I can in turn visit the Transunion website to request the free copy from their website.

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 2025-05-02 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: LA

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

Account Name : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * - Date Opened XX/XX/XXXX - {$1500.00} Account Name : XXXX # XXXX * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2025-05-02 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:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-02 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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: S & S Recovery, Inc.
State: TX

Complaint narrative:
I am a student at the XXXX  XXXX XXXX ( XXXX ). During XXXX XXXX my financial aid was delayed and not disbursed until XX/XX/year>. Because of this, I was placed on a deferment plan to remain enrolled. After the deferment, my account was blocked from accepting payments, and I was never offered an option to set up a payment plan. 

Despite my blocked status, XXXX referred my account to XXXX XXXX XXXX  XXXX, who is now demanding {$170.00}, including {$30.00} in interest. I have only received phone calls from the agency they have not sent me any written validation or itemized breakdown of the debt, as required by law. 

I contacted XXXX and spoke with XXXX XXXX, who confirmed that only emails were sent about the balance, and that no mailed notice or formal final billing letter was issued. To make matters worse, those emails were not sent to my main and active personal email address, meaning I had no real opportunity to respond or cure the debt before it was sent to collections. 

The collection agency is now refusing to settle unless I pay in full and has failed to provide legally required written documentation. I am still blocked from paying my current semester balance and now face risk of further collection activity even though I am nearing graduation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: FL

Complaint narrative:
Subject : Second Dispute of Charge-Off Account Under FCRA Sections 1681b ( XXXX ), 1681b ( XXXX ), and XXXX To Whom It May Concern, Subject : Second Dispute of Charge-Off Account Request for Reinvestigation under FCRA 1681i, 1681s-2 ( b ), and 1681e ( b ) Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX To Whom It May Concern, This letter is a formal second dispute concerning the charge-off account listed above. I previously submitted a dispute requesting its deletion, as the information reported was inaccurate and unverifiable. However, your response failed to provide sufficient evidence to validate the legitimacy of this account. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), particularly : 1681i requiring a reasonable reinvestigation within XXXX  days, 1681s-2 ( b ) requiring the furnisher to properly investigate disputed data, and 1681e ( b ) requiring credit reporting agencies to maintain maximum accuracy, I hereby request a reinvestigation of this charge-off entry.

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 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/year> To : Sunrise Credit Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NV XXXX Subject : Notice of Dispute and Request for Validation of Debt Pursuant to 15 U.S.C. 1692g Dear Sunrise Credit Services, This letter is being sent in response to your recent communication regarding an alleged debt. I am formally disputing the validity of this debt under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which is enforced by the Consumer Financial Protection Bureau ( CFPB ).

I hereby request full validation of this debt. Please provide : 1. The name and address of the original creditor.

2. A complete itemized statement showing all charges and payments applied.

3. A copy of the original signed agreement or contract that created this alleged obligation.

4. Documentation proving your legal authority to collect debts in the state of New Jersey.

Until this information is provided, you must cease all collection activities, including reporting this debt to any credit reporting agency. If you can not validate the debt, you are required to remove it from all credit bureaus.

If you fail to respond within 30 days of receiving this letter or continue collection efforts without proper validation, I will file formal complaints with the CFPB, the FTC, and the New Jersey State Attorney General. I also reserve the right to pursue legal action for any violations of the FDCPA. 

Please direct all future communication regarding this matter in writing only. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXXXXXX 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 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TN

Complaint narrative:
I am submitting a formal complaint against Nelnet regarding the mishandling of my student loan autopay, the resulting credit damage, and the inadequate customer service I received. 

Timeline and Issue : In XX/XX/year>, my autopay was canceled without my consent or knowledge, and I did not receive any notification through accessible channels. The email sent to an outdated address that I no longer had access to should have been sent via alternate methods, as Nelnet had current phone numbers on file. 

Due to this communication failure, my loan payments were missed, and I saw a significant drop in my credit score from XXXX to XXXX, which persisted for three months even though the autopay account was still present. This resulted in financial damage that was directly linked to Nelnets error.

Ive since set up a new autopay account and have paid all outstanding balances ( both past and current ) to bring my account up to date, as confirmed by screenshots I can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Recently, you charged me a large number of fees to my account. The clauses supposedly justifying these fees were hidden in extremely fine print, and I have honestly never been made aware of the existence of such hidden fees *. Such practices are dubious at best and make a loyal customer like myself hesitant in staying with your company. 

* Under Regulation E, 12 C.F.R. Part 205, issued 2010, I invoke my right to enroll in Overdraft Protection to prevent future recurring hidden charges. 

Since having become a loyal patron to Wells Fargo, Ive utilized your banking and online services every day and have done my utmost best to uphold a positive balance and attitude towards payment. Lately, I have been in somewhat of a pickle, and my current financial status combined with emergency familial obligations has made paying these fees close to impossible. As much as I would like to remain a steadfast, loyal customer, having these fees makes it incredibly hard to do so.

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 2025-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo mortgage is using deceitful practices, taking money with ill intentions, and colluding with individuals at the tax accessor office to foreclose on property after taking money from an individual that would not been a potential successor. XX/XX/XXXX, I made a payment for my ex husband on what was supposed to be his mortgage account for {$6400.00} to bring the account current and out of foreclosure. It was wired directly from my bank account to Wells Fargo Mortgage. Prior to the payment being made, I sat with my ex husband while he was on the phone with the representative to get a clear understanding that his name was listed as responsible party for the Mortgage and paperwork was being prepared to add his name to the deed. I could not talk directly to the agent because she said that they was not authorized to talk directly to me even with him sitting there. I had to listen while the call was on speaker phone or on conference call. The payment was applied to the account for deceased individuals and a new owner of the property. Wells Fargo had sent a letter saying that this person was that acquired the property was not authorized to speak about the mortgage. The warranty deed tgat was in place when the two now deceased individuals purchased the property would have not gone to my ex husband because his mother died first. I have faxed in documents showing that the owner had already been changed at the time prior to the payment being made. I requested a refund due to house being auction off and my ex husband was told that he was only authorized to talk on the phone about the account. He was told that his name was not listed as a responsible party or deed for this account. Correspondence took place from XX/XX/XXXX to XX/XX/XXXX. I was told that I was not an authorized person to talk about the account. The issue about payment being applied to a non existent account was not answered.

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 2025-05-02 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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