vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-19 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX * * * * * * Balance Owed : {$0.00} XXXX XXXX XXXX * * * * * * * * * Balance Owed : {$0.00} XXXX XXXX XXXX * * * * * * * * * Balance Owed : {$130.00} XXXXXXXX XXXX XXXXXXXX * * * * * * Balance Owed : {$1200.00} XXXX XXXX XXXX * * * * * * Balance Owed : {$0.00} XXXX  XXXX XXXX * * * * * * Balance Owed : {$0.00} XXXX XXXX XXXX * XXXX XXXX XXXX XXXX * * * * * Balance Owed : {$3500.00} XXXX XXXX * * * * * * XXXX * * * Balance Owed : {$370.00}

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 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
An error of XXXX enabling me from my account for my credit score and credit report on Equifax. I mailed a certified mail of prof of identity drivers license, passport card, voter registration card, that arrived to the XXXX XXXX XXXX provided. It was delivered on XXXX XXXX XXXX. I called and followed up multiple times without a resolution. Im told it has not been received. I want this matter to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Correction of Personal Information In addition to the account and inquiry disputes listed, I am also requesting a correction to my personal information as listed on my credit report. There are incorrect name variations and addresses that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Correction of Personal Information In addition to the account and inquiry disputes listed, I am also requesting a correction to my personal information as listed on my credit report. There are incorrect name variations and addresses that do not belong 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 2025-04-18 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: WI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am writing to formally dispute an account listed on my credit report that I believe is being inaccurately reported. The account details are as follows : XXXX XXXX Account Number : XXXX Reported Balance : {$56.00} Status : CLOSED This account has been sold to another company, yet it continues to reflect an outstanding balance on my credit report. Once an account is sold or transferred, the original creditor is required to update the balance to {$0.00} and report the proper status to avoid any confusion or duplication. The continued reporting of a balance by the original creditor is misleading and potentially harmful to my credit. 

I am requesting that this account be investigated and removed entirely from my credit report. 

Please provide confirmation in writing of the outcome of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. 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 non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian kept on reinserting this negative account that was previously deleted and have not notified 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 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I respectfully request that you block and remove the unauthorized accounts from my credit report immediately. I did not authorize or open these accounts, and I do not recognize them. As per USC 1681g, I am formally asking for their removal within 15 days. Supporting documents are attached for your detailed review. Additionally, the account information being reported is inconsistent across the credit bureaus.

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have been a member of chase for more than a decade. My account has a direct deposit coming in every two weeks. Always available by the morning time. In XXXX, the checking account was closed and all direct deposits were automatically transferred and available to the newest account, about 6 deposits were successfully available. The bank sending the deposits is Chase as well so it should be easier to access the money. Today, the direct deposit was not available. I called and the first customer representative only stated to keep checking throughout the day. She did not demonstrate any urgency on the matter. Second call, I spoke to a supervisor. He transferred me to make a claim. Third Representative-asked a bunch of unrelated questions without seeking an alternative to expedite the funds available but not in my account. She then proceeded to state that it will take 2-3 business day. Yet, the funds are available but not to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CA

Complaint narrative:
CFPB Complaint Against Loan Servicer & Credit Bureaus Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against Mohela, XXXX XXXX XXXX XXXX for continuing to report and collect student loan debt that is now legally void following the executive order abolishing the U.S. Department of Education.

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

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

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

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, XXXX 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 2025-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was looking at my credit report and i saw XXXX fraudulent inquiry 's. 

XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> 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 2025-04-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
Debt Validation Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX XX/XX/year> Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Request for Debt Validation under FDCPA To Whom It May Concern, I am writing in response to a notice I received from your office regarding an alleged debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting that you provide full validation of the debt you claim I owe. 

Please provide the following documentation : 1. The name and mailing address of the original creditor ; 2. The exact amount of the alleged debt, including any interest, fees, or other charges ; 3. A copy of the original contract or agreement bearing my signature, or proof of my legal obligation to pay ; 4. A copy of any judgment, if applicable ; 5. Proof that your agency is authorized to collect debts in the state of Illinois.

I do not acknowledge or accept responsibility for this alleged debt, and I request that all collection efforts cease until validation is provided. Furthermore, please do not report or continue to report this alleged debt to any credit reporting agencies until this matter is resolved. 

This letter is not a refusal to pay but a request for validation. Please respond to my request in writing within 30 days of receiving this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-19 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: TX

Complaint narrative:
I respectfully request that you block and remove the unauthorized accounts from my credit report immediately. I did not authorize or open these accounts, and I do not recognize them. As per USC 1681g, I am formally asking for their removal within 15 days. Supporting documents are attached for your detailed review. Additionally, the account information being reported is inconsistent across the credit bureaus.

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 2025-04-19 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: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting by XXXX XXXX XXXX XXXX on my ( ( EQUIFAX credit report. ) ) The account in question is a charged-off credit card account showing a reported balance of {$16000.00}. The creditor lists the last payment date as XX/XX/XXXX ; however, the payment history graph clearly shows that the last on-time payment was made in XX/XX/XXXX, with every month from XX/XX/XXXX forward showing missed payments. This internal inconsistency indicates the reported date is incorrect and potentially an attempt to reage the account, which would be a violation of the Fair Credit Reporting Act ( FCRA ) if not supported by a legitimate transaction or written agreement. Additionally, the account is being reported as Open, despite the fact that it has been charged-off and no payments have been made since XXXX. Reporting a charged-off account as Open is misleading, may artificially inflate my revolving credit utilization, and is not an accurate representation of the current account status. Charged-off accounts are by definition closed and should reflect that status. The report also includes the remark Consumer disputes reinvestigation in progress, yet the inaccuracies continue without correction, despite multiple requests. I respectfully request the CFPB to require the following : 1. Proof of the alleged XX/XX/XXXX payment. 2. Correction of the last payment date to XX/XX/XXXX. 3. Correction of the account status from Open to Closed Charged Off. 4. Confirmation that the account has not been reaged unlawfully. These reporting errors are misleading, harmful to my credit profile, and must be addressed to ensure compliance with the FCRA. Alternatively, I request that the account be permanently removed from my credit report. The data furnisher has failed to respond to multiple written requests for a complete, itemized debt validation report. Despite repeated disputes highlighting conflicting and inaccurate information, the account remains unchanged. This lack of response violates the FCRAs reinvestigation and accuracy provisions ( 15 U.S.C. 1681i and 1681s-2 ). Continued reporting without proper validation supports full deletion, as upheld in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), which required furnishers to conduct a meaningful investigation when presented with specific and credible disputes. Furthermore, the account appears to have been reaged, with the " last payment '' date falsely extended to XXXX despite no payments since XXXX. This has artificially prolonged the negative reporting period, lowered my credit score, and continues to negatively impact my financial opportunities, credit access, and mental well-being. The failure to accurately report and address these issues has caused undue financial and emotional harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My phone got lost, and there were multiple unauthorized transactions made from my phone, including XXXX transactions 4 of them reaching the amount of XXXX. I submitted a police report and the receipt of the new phone I had to purchase because Wells Fargo required this documentation for my claim. Wells Fargo denied my claim when all the documents were submitted.

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 2025-04-20 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-19 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: 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. 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 explanation
Consumer complaint received 2025-04-19 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: OH

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. 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