vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: GA

Complaint narrative:
This is my first request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXX/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 2025-05-01 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: PA

Complaint narrative:
XXXX XXXX XXXX, XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of fraudulent employment ( XXXX, XXXX ). There is a fraud address listed on my credit report ( XXXX XXXX XXXX, XXXX PA XXXX ) .These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
XXXX balance accounts with Wellsfargo. I want both store cards closed. Unable to close online or by phone.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. Experian Information Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This decision clarified that a XXXX XXXX XXXX is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 


XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-05-01 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: MD

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

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 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
They send me a letter saying the rewards are accurate when they are not at all I haven't received any rewards and over 10 months and I think it's a linking problem I did receive another credit card cuz it was lost I don't think they linked it to my rewards

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The XXXXXXXX XXXX  account on myceredit report shows CO ( charge-off ) reported every month through XXXX, even though the account was last paid in XX/XX/XXXX and has not changed since then. There is no collection activity or balance reduction. This continuous reporting makes the debt appear newly delinquent each month, which is inaccurate and harmful.

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 2025-05-01 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Transunion ) XXXX reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report a fraudulent collection account appearing on my consumer XXXX Transunion credit report which I do not recognize as reported and which are the result of identity theft and fraud. This fraudulent account consists of a collection account opened at XXXX XXXX XXXX  on XX/XX/year> under the account number XXXX. This account has resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
All accounts above, collections, late payments, and charge-offs result from 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against my student loan servicer, XXXX, for inaccurately reporting XXXX of my federally serviced student loans as delinquent to the credit bureaus. 

Summary of the Issue : These loans were placed in administrative forbearance due to the XXXX relief program, during which no payments were due. 

Nevertheless, XXXX reported both accounts as delinquent, which I discovered when reviewing my credit report. 

I immediately took corrective action by paying the balances to bring both loans current and enrolling in autopay. 

To add to the confusion, XXXX recently sent me a notice stating that my next due date is not until XX/XX/XXXX, contradicting their own delinquency report. 

Attempts to Resolve : I first emailed XXXX regarding this issue on XX/XX/XXXX, clearly disputing the delinquency and requesting correction. 

As of today, XX/XX/XXXX, I have received no response or action from XXXX. 

I sent a second formal complaint to XXXX earlier today requesting urgent resolution within 7 days. 

Harm and Requested XXXX : This incorrect reporting has already caused damage to my credit score and could affect my access to credit and financial opportunities. XXXX failure to respond is not only negligent, but it may also violate provisions of the Fair Credit Reporting Act ( FCRA ). 

I request that the CFPB : XXXX XXXX inaccurate reporting and lack of timely response. 

Require XXXX to correct the delinquency status with all major credit bureaus ( Equifax, XXXX XXXX XXXX XXXX 

Confirm in writing that the necessary corrections have been made. 

Thank you for your assistance in protecting consumers from unfair and damaging reporting practices. 

Sincerely, XXXX XXXX XXXX Direct Parent PLUS Direct XX/XX/XXXX Enrolled in Autopay. {$0.00} Scheduled Enrolled in XXXX. 
Show more information XXXX Direct Parent PLUS Direct XX/XX/XXXX Enrolled in Autopay. {$0.00} Scheduled I received this email from XXXX on XX/XX/XXXX Your Payment is Due Soon Your XXXX student loan payment of {$270.00} is due on XX/XX/XXXX, with no past due amount listed. 
View bill Created by XXXX Mail Was this helpful? 
XXXX XXXX  XXXX XXXX at XXXX XXXX Visit site Message Body XXXX - a Servicer of Federal Student Aid Billing Statement Summary Your Student Loan Payment is Due : XX/XX/XXXX Current Due : {$270.00} Past Due : {$0.00} Total Due : {$270.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against my student loan servicer, XXXX, for inaccurately reporting two of my federally serviced student loans as delinquent to the credit bureaus. 

Summary of the Issue : These loans were placed in administrative forbearance due to the XXXX relief program, during which no payments were due. 

Nevertheless, XXXX reported both accounts as delinquent, which I discovered when reviewing my credit report. 

I immediately took corrective action by paying the balances to bring both loans current and enrolling in autopay. 

To add to the confusion, XXXX recently sent me a notice stating that my next due date is not until XX/XX/XXXX, contradicting their own delinquency report. 

Attempts to Resolve : I first emailed XXXX regarding this issue on XX/XX/XXXX, clearly disputing the delinquency and requesting correction. 

As of today, XX/XX/XXXX, I have received no response or action from XXXX. 

I sent a second formal complaint to XXXX earlier today requesting urgent resolution within 7 days. 

Harm and Requested XXXX : This incorrect reporting has already caused damage to my XXXX XXXX and could affect my access to credit and financial opportunities. XXXX failure to respond is not only negligent, but it may also violate provisions of the Fair Credit Reporting Act ( FCRA ). 

I request that the CFPB : InvestigatXXXX XXXX inaccurate reporting and lack of timely response. 

Require XXXX to correct the delinquency status with all major credit bureaus ( Equifax, Experian, and TransUnion ). 

Confirm in writing that the necessary corrections have been made. 

Thank you for your assistance in protecting consumers from unfair and damaging reporting practices. 

Sincerely, XXXX XXXX XXXX Direct Parent PLUS Direct XX/XX/XXXX Enrolled in Autopay. {$0.00} Scheduled Enrolled in Autopay. 
Show more information XXXX Direct Parent PLUS Direct XX/XX/XXXX Enrolled in Autopay. {$0.00} Scheduled I received this email from XXXX on XX/XX/XXXX Your Payment is Due Soon Your XXXX student loan payment of XXXX is due on XX/XX/XXXX, with no past due amount listed. 
View bill Created by XXXXXXXX XXXX  Was this helpful? 
XXXX XXXX XXXX XXXX at XXXX XXXX Visit site Message Body XXXX - a Servicer of Federal Student Aid Billing Statement Summary Your Student Loan Payment is Due : XX/XX/XXXX Current Due : {$270.00} Past Due : {$0.00} Total Due : {$270.00}

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 2025-05-01 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: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against my student loan servicer, XXXX, for inaccurately reporting two of my federally serviced student loans as delinquent to the credit bureaus. 

Summary of the Issue : These loans were placed in administrative forbearance due to the XXXX relief program, during which no payments were due. 

Nevertheless, XXXX reported both accounts as delinquent, which I discovered when reviewing my credit report. 

I immediately took corrective action by paying the balances to bring both loans current and enrolling in autopay. 

To add to the confusion, XXXX recently sent me a notice stating that my next due date is not until XX/XX/XXXX, contradicting their own delinquency report. 

Attempts to Resolve : I first emailed XXXX regarding this issue on XX/XX/XXXX, clearly disputing the delinquency and requesting correction. 

As of today, XX/XX/XXXX, I have received no response or action from XXXX. 

I sent a second formal complaint to XXXX earlier today requesting urgent resolution within 7 days. 

Harm and Requested XXXX : This incorrect reporting has already caused damage to my credit score and could affect my access to credit and financial opportunities. XXXX failure to respond is not only negligent, but it may also violate provisions of the Fair Credit Reporting Act ( FCRA ). 

I request that the CFPB : XXXX XXXX inaccurate reporting and lack of timely response. 

Require XXXX to correct the delinquency status with all major credit bureaus ( XXXX XXXX, and TransUnion ). 

Confirm in writing that the necessary corrections have been made. 

Thank you for your assistance in protecting consumers from unfair and damaging reporting practices. 

Sincerely, XXXX XXXX XXXX Direct Parent PLUS Direct XX/XX/XXXX Enrolled in Autopay. {$0.00} Scheduled Enrolled in Autopay. 
Show more information XXXX Direct Parent PLUS Direct XX/XX/XXXX Enrolled in Autopay. {$0.00} Scheduled I received this email from XXXX on XX/XX/XXXX Your Payment is Due Soon Your XXXX student loan payment of {$270.00} is due on XX/XX/XXXX, with no past due amount listed. 
View bill Created by XXXX Mail XXXX this helpful? 
XXXX Tue, XXXX XXXX at XXXX XXXX Visit site Message Body XXXX - a Servicer of Federal Student Aid Billing Statement Summary Your Student Loan Payment is Due : XX/XX/XXXX Current Due : {$270.00} Past Due : {$0.00} Total Due : {$270.00}

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 2025-05-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime held my money pass the 14 day consumer refund delaying the process illegally

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove this account before I seek litigation for defamation of character ) 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 explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: LA

Complaint narrative:
Made an agreement to pay off mortgage in five monthly payments on the XXXX of each month, However the mortgage company withdraw payment on a later date.our credit card is on file for automatic withdraw each month.Now I have received a letter from the company attorney stating foreclosure which is no fault of ours.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: GA

Complaint narrative:
XX/XX/year> XX/XX/year> I have called let them know that my student loans have been discharged from the department of education on XXXX of last year. They keep saying right now its nothing they can do. This is affecting my credit and my ability to get credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation