vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: NV

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$870.00} XXXX XXXX XXXX Balance Owed : {$2700.00}

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 2025-07-17 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I sold my car a XXXX XXXX XXXX with XXXX miles for {$20000.00}. The transaction was completed at my residence, and the buyer issued a personal check made payable to me. 

The next day, XX/XX/XXXX, I deposited the check into my Bank of America account. The amount was initially posted to my account the following day, but shortly after, a hold was placed with a new availability date of XX/XX/XXXX. 

However, on XX/XX/XXXX, I noticed that my account had disappeared from my online banking access. When I called customer service, I was told the check was invalid due to something off, but I was not provided with any further explanation. 

On XX/XX/XXXX, I met again with the buyer at her credit union, and she spoke directly with her bank. She was informed that the funds had already been withdrawn from her account, implying that the check should have cleared successfully. 

XXXX feeling extremely confused and distressed by this situation. I acted in good faith and completed what I believed to be a legitimate transaction. Now, I am without my car, without the payment, and with no clear understanding of what went wrong. 

I would deeply appreciate your help in investigating this issue. Specifically, I would like to know : Why was the check considered invalid? 
What happened to the {$20000.00} after the check was deposited? 
Why was my account made inaccessible? 
What steps can I take now to recover the funds or pursue a resolution? 

Thank you in advance for your attention and assistance. Please let me know what documentation or further steps are required on my end. 

Sincerely, 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 monetary relief
Consumer complaint received 2025-07-17 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: KY

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
I am writing to formally dispute a late payment inaccurately reported on my credit profile. I have reviewed my payment history and found no valid instance where a payment was missed or submitted late. This negative item is incorrect and constitutes a violation of the Fair Credit Reporting Act if it remains uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, Apartment XXXX XXXX, OH XXXX XXXX XX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Subject : Debt Validation Request Notice of Dispute Account Number : XXXX To Whom It May Concern, I am formally disputing the alleged debt that your company, LVNV Funding LLC XXXX has reported to my credit file. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, I am requesting full validation of this debt, as I have no record of entering into any contractual agreement with the original creditor that would make me liable for this obligation. 

Additionally, I am aware that LVNV Funding may purchase debts that have been previously bundled, securitized, or transferred. If this debt was acquired through such practices, I demand full disclosure of all transactions, sales, and assignments related to this accountincluding any securitization and profit derived. 

To properly validate this alleged debt, I request the following documentation : XXXX. Proof of Ownership A signed agreement between myself and the original creditor proving I agreed to the specific terms of the alleged debt. 
XXXX. Chain of Title and Assignment Complete documentation showing the lawful transfer of this debt from the original creditor to LVNV Funding, including all assignments, bills of sale, and transfer agreements. 
XXXX. Original Creditor Agreement A full and unaltered copy of the original credit agreement, including all terms and conditions. If the contract contains an arbitration clause, this matter must be resolved through arbitration, not through third-party collections. 
XXXX. Full Accounting Records A detailed itemized statement including the original amount, interest, fees, payments made ( if any ), and all other account activity. 
XXXX. XXXXroof of Collection Authority Evidence that LVNV Funding LLC is authorized and licensed to collect debts in the State of Ohio. Please also verify that any transfer of my personal information to your company was done in compliance with XXXX XXXX. XXXX ( XXXX ), which prohibits unauthorized disclosure of a consumers information. 

Until all requested documentation is provided, I do not acknowledge any obligation to this alleged debt. Under XXXX XXXX. XXXX ( b ), you must cease all collection efforts, including credit reporting, until full validation has been furnished. 

Failure to respond within XXXX ( XXXX ) days will result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Ohio Attorney Generals Office. 

Please send all responses in writing to the address listed above Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I wanted to reach out to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me about the safety of my sensitive data. As a result of the breach, fraudulent accounts and debts have been opened in my name. I would be grateful if you could take this into account when reviewing my credit report and take the necessary steps to address any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
I wanted to reach out to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me about the safety of my sensitive data. As a result of the breach, fraudulent accounts and debts have been opened in my name. I would be grateful if you could take this into account when reviewing my credit report and take the necessary steps to address any inaccuracies or fraudulent activities.

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 2025-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
This is almost comical at this point. For the FIFTH TIME I need Aidvantage to answer this question : WHY ARE YOU REFUSING TO ZERO MY LOAN BALANCE WHEN THE FEDERAL GOVERNMENT RULED THAT YOU ARE REQUIRED TO DO SO. Let me refute them before they even reply. 1. XXXX  selling you my loan does not absolve you of the requirements to forgive it. 2. I did not receive forgiveness through XXXX as they sold you my loan. 3. You inherited my loan directly after the lawsuit so I slipped through the cracks however 4. That does not mean you are not REQUIRED BY FEDERAL LAW to resolve this debt to a balance of {$0.00}. Furthermore, 5. It does not matter when you purchased the loan 6. You are not allowed to respond " You would have received ... '' because it is clear I did not. 7. I attached screenshots showing all of this in detail so I need you to answer every single one of these questions but mostly this final one : 8. I want you tell me directly why you are refusing to obey what you have been ordered to do by a federal judge. I want you to tell me and CFPB why you are refusing to cooperate with a federal court order. I want you to DIRECTLY explain why you keep refusing to admit you are obfuscating my loan forgiveness hiding behind " XXXX should have done it '' as if that answers anything. You are not allowed to say " You should have received settlement or forgiveness as IT IS EXTREMELY CLEAR BY NOW THAT XXXX SOLD MY LOAN IN ORDER TO AVOID DOING THIS, AND AIDVANTAGE IS TAKING ADVANTAGE OF ME REFUSING TO DISCHARGE IT AND IS REFUSING TO ANSWER THE ABOVE DIRECT QUESTIONS TO CFPB BECAUSE WHAT THEY ARE DOING IS BLATANTLY ILLEGAL AND MY NEXT STEP IS INVOLVING MY SENATOR AND CONGRESSPERSON AND A LAWYER TO SUE FOR XXXX THIS AMOUNT. AIDVANTAGE : SEND ANOTHER FALSE RESPONSE AND I WILL GO AFTER YOU PUNITIVELY AS WELL AND POST ONLINE AND GATHER CLASS ACTION SIGNATORIES. Why are you refusing to obey the law? Answer me directly. Why are you refusing a federal court order? Why? you have no legal basis to do so. Forgive these loans as required. That is a requirement. This is not a negotiation or discussion. This is my last attempt to solve this in any civil manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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 am respectfully asking for a correction to an incorrect late payment reported on my credit report. I have always prioritized making timely payments, and this inaccurate reporting is both stressful and disheartening.

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 2025-07-17 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:
This is a formal notice that the account listed under my credit report is fraudulent. I did not authorize this account, and it was opened without my knowledge or consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX experian

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 2025-07-17 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 am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-17 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-07-17 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account XXXX : XXXX XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in Experian.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am filing a complaint regarding inaccurate and/or unverifiable negative information on my Experian credit report. 

I formally disputed multiple items with Experian including : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I submitted a written dispute under the Fair Credit Reporting Act ( FCRA ), requesting proper validation or removal of these items. 

These accounts are either inaccurately reported, unverifiable, or were not properly investigated. Experian did not respond adequately or failed to conduct a reasonable investigation within 30 days, as required under the FCRA.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am filing a complaint regarding inaccurate and/or unverifiable negative information on my Experian credit report. 

I formally disputed multiple items with Experian including : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I submitted a written dispute under the Fair Credit Reporting Act ( FCRA ), requesting proper validation or removal of these items. 

These accounts are either inaccurately reported, unverifiable, or were not properly investigated. Experian did not respond adequately or failed to conduct a reasonable investigation within 30 days, as required under the FCRA.

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 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
A total of {$5000.00} in unauthorized transactions were made from my Wells Fargo bank account to a XXXX account. I did not authorize these transactions. 

As soon as I noticed the issue while checking my account balance, I immediately contacted Wells Fargo. However, after a long delay, they told me that I needed to contact the recipient ( XXXX ) myself which I found unfair and unreasonable. Why would a recipient return funds voluntarily without any investigation or enforcement? 

I opened a dispute with Wells Fargo on XX/XX/year>2025, and the case status is still In Progress ( as of XX/XX/scrub> 2025 ), but I have received no updates or help from the bank. 

This was my last hope, and now I am reaching out to CFPB, hoping that you can help me recover my lost money and take action if the bank has failed in their responsibility.

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 2025-07-17 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 am writing to dispute a fraudulent account listed on my credit report. I did not authorize or open this account and have no knowledge of its origin. Its presence is inaccurate and severely misrepresents my credit history.

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 2025-07-17 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account XXXX : XXXX XXXX Account XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief