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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After reviewing my TransUnion credit file, I have identified multiple accounts that I do not recognize, did not authorize, and have no knowledge of entering into. These accounts are negatively impacting my creditworthiness and causing me emotional stress and anxiety. I also have reason to believe that my personal information has been compromised in recent data breaches. 
The following accounts are being reported without my consent or verified contractual agreement and must be removed under FCRA 1681c-2 and Georgia state protections : Disputed Accounts : 1. Account # : XXXX Type : Collection Balance : {$7000.00} Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Status : Collection/Chargeoff Basis for Dispute : No knowledge of this account. Allegedly connected to post-eviction charges, but account was fraudulently assigned, and the leasing charges were never contractually agreed to or authorized and I dispute the validity and legality of the collection. 

XXXX. Account # : XXXX Type : Collection Balance : {$3600.00} Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Status : Collection/Chargeoff Comments : Consumer disputes account ; " meets FCRA requirements '' Basis for Dispute : I did not authorize or apply for this account. No contract or proof of debt has ever been presented. The phrase " meets FCRA requirements '' is not validationit is a stall tactic that does not satisfy legal obligations under FCRA 1681i or FDCPA 1692g.

Under FCRA 1681c-2, if an account results from identity theft or was established without a consumers knowledge or consent, it must be blocked and removed from the consumers credit file.

Additionally : FCRA 1681e ( b ) : Requires maximum possible accuracy FCRA 1681i : Requires reinvestigation of disputed items FCRA 1681b : Requires consumer authorization ( permissible purpose ) FDCPA 1692g : Requires full validation of any alleged debt O.C.G.A. 10-1-393.8 : Georgia law prohibits unauthorized data collection and reporting I also assert my rights under O.C.G.A. 16-9-121, which criminalizes identity fraud in the state of Georgia, including the unauthorized use of personal identifying information for financial gain or reporting purposes.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
I am not swayed that XXXX  has investigated this account properly. Their investigation about this account was totally incorrect. I am not seeing this account to any of the other credit bureaus which were so odd. I believe they have not reached out to the furnisher to validate. 
Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from XXXX. Make sure to explain the outcome of your investigation about this account : 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 explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am disputing the collection account reported by Portfolio Recovery Associates on my XXXX  credit report - Report Number XXXX, alleging a balance of {$1000.00} for a debt originally from The XXXX XXXX XXXX . However, The XXXX XXXX XXXX is not reporting any open tradeline, current balance, or collection-related activity on my XXXX  credit file. Portfolio Recovery Associates has not produced a legal assignment from the original creditor or an original contract signed by me with identifying information. Additionally, no IRS Form XXXX has been issued, despite the debt being classified as a Profit and Loss Write-Off. This account continues to be reported and updated monthly by XXXX, despite having no legal foundation or evidence of ownership, which violates FCRA XXXX ( b ), XXXX ( a ) ( XXXX ) ( A ), and FDCPA XXXX ( b ). Portfolio Recovery Associates is posing as a legal creditor for a debt that has already been closed and removed by the original lender. I request immediate and permanent deletion of this tradeline from my Experian credit report.

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: TX

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file. 

Failure to comply with these requirements will leave me no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. I am also prepared to pursue legal action for negligence and failure to correct known inaccuracies, which can include statutory damages, legal fees, and other costs.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Please remove fraudulent accounts and hard inquiries off my credit profile from Experian, Equifax and Trans union immediately! 

XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Please remove fraudulent accounts and hard inquiries off my credit profile from Experian, Equifax and Trans union immediately! 

XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XXXX and XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action

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: Associated Credit Services, Inc.
State: CA

Complaint narrative:
I sent a debt validation letter on XX/XX/year> via certified mail and received on XX/XX/year>. ACS never responded or validated the debt. The debt was then transferred to another collection agency XXXX XXXX XXXX. This violates 15 U.S. Code 1692g ( b ) which requires validation and halts collection until completed. I have proof of delivery and tracking. The lack of response resulted in continued collection attempts and damage to my credit. They are also sending collection letters to the wrong address, and violating my personal privacy.

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 — Don't agree with the fees charged
Company: MOHELA
State: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding the handling of my federal student loans currently serviced by MOHELA. My loans are enrolled in the XXXX on a XXXX XXXX ( XXXX ) XXXX XXXX repayment plan and are currently in an administrative forbearance period. As per the terms of the XXXX XXXX  and recent federal student loan guidelines, interest should not be accruing during this time. 

Despite this, MOHELA has charged interest on my loans, which has resulted in a significant increase to my overall loan balance. Most notably, my loan balance has increased by approximately {$15000.00} in interest alone, even though my loans are supposed to have a 0 % interest rate while in forbearance under the XXXX XXXX. 

I have made multiple attempts to resolve this matter through XXXX  customer service with no satisfactory explanation or resolution. This has caused financial stress and confusion, and I am deeply concerned that these charges are in direct violation of the terms outlined for borrowers under the XXXX XXXX. 

I am requesting the following actions : A full investigation into the erroneous interest charges applied to my loans. 

Immediate removal of the incorrectly applied interest. 

A corrected and updated loan balance reflecting the proper 0 % interest policy. 

A formal written explanation detailing the cause of this issue and what steps will be taken to prevent it from recurring. 

Please consider this letter an official request for resolution. I would appreciate a timely response and resolution to this matter. If this issue is not resolved promptly, I will be forced to escalate the matter to the Department of Education and the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your immediate attention to this urgent issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates : XXXX and XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action

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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

The following inquiry was not and should not be reporting. 
Experian MEMBERS XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX  XXXX - XX/XX/year>XXXX XXXX XXXX  - XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX - XX/XX/year> In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hello, I am a Marriott Bonvoy member, and for many years successfully used points earned from my XXXX XXXX  XXXX  credit card from Chase at XXXX  branded hotels. In XXXX of 2025, I transferred my XXXX XXXX Chase Visa credit card to the XXXX XXXX Chase Visa credit card, which is also part of the XXXX  XXXX  program. One of the rewards advertised are ( 3 ) Club Level Upgrade certificates, which the Terms and Conditions states is available your first year under the program : " Club Level offer valid at participating XXXX XXXX XXXX up to three qualifying paid stays per account anniversary year using The Ritz-Carlton Credit Card with XXXX XXXX XXXX length of stay, subject to availability at time of reservation. Account anniversary year means the year beginning with your account open date through the anniversary of your account open date, and each 12 months after that. '' The certificates are supposed to be loaded onto my XXXX XXXX account. 

Several weeks after I received the XXXX XXXX XXXX XXXX XXXX credit card, I contacted several different phone numbers and spoke with several different customer service agents to find out when the certificates would be loaded to my XXXX XXXX account. No one had any answers. An associate with the XXXX XXXX reservation team, XXXX, did open a complaint regarding my issue, which was designated as XXXX # XXXX. I received an email from XXXX at XXXX XXXX, and have attached my correspondence with her ( see Attachment XXXX / XXXX - XXXX XXXX XXXX ). She was not able to resolve the problem, but did confirm the conditions as I've noted above. She sent me back to Chase. A Chase representative stated on a subsequent call I am not eligible for the certificates until after the first year. However, under the same Terms and Conditions, paragraph 5, it says Chase is not responsible for the fulfillment of the certificates. 

Based on their Terms and Conditions ( see Attachment XXXX - Benefits for XXXX Credit Card customers, paragraph XXXX ), I am eligible for the certificates starting the first year I have the credit card and they should have been loaded onto my XXXX XXXX account. 

I hope you can help me resolve this dispute. Thank you for your attention with this matter. It's been really difficult to find someone that can help. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Subject : Urgent : Clarification and Complaint Regarding Safe Deposit Box Closures Dear Weels Fargo, XXXX XXXX XXXX XXXXXXXX, Team, I am writing to formally express our frustration and request clarification regarding the repeated closure requests for our safe deposit box. 

We have maintained a safe deposit box with Wells Fargo bank since XXXX. We were first asked to close our original box, which we did, and subsequently opened a new one at your XXXX XXXX branch. In XX/XX/XXXX, we were again instructed to close that box due to the branch relocation, and we compliedsigning a new contract, paying for new keys, and completing all required procedures. 

Now, we have received yet another letter asking us to close our current box immediately. I visited the branch in person to seek an explanation, but no one was able to provide a reason for this repeated disruption. 

This lack of communication and repeated inconvenience is unacceptable.

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