vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-11 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: MA

Complaint narrative:
On or about XXXX XX/XX/year>, I submitted complaints via the CFPB ( Complaint IDs XXXX, XXXX, XXXX ). All XXXX responded to my complaints via the CFPB Portal as " verified ''. Upon conducting my own independent investigations, every single company that I contacted stated that they did not receive anything from any credit reporting agency in regards to investigating any of my accounts. For example, both XXXX XXXX and XXXX XXXX clearly stated, and even were helpful enough to submit emails to me for verification, " no further missed payments have been reported, as the account is no longer active ''. The " Big XXXX '' reporting agencies not only lied to me, but submitted a fraudulent response to the CFPB just so a response was given within the allotted amount of time.

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 2025-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX, XXXX, a law firm and debt collector. They are attempting to collect an alleged credit card debt on behalf of [ Insert Original Creditor Name ]. 

I timely disputed the alleged debt in writing and requested verification under the Fair Debt Collection Practices Act ( FDCPA ), specifically 1692g ( b ). Despite my request, XXXX XXXX XXXX filed a lawsuit against me in XXXX  small claims court without providing any documentation verifying the debt. 

This violates 1692g ( b ), which requires debt collectors to cease collection, including legal action, until the debt is verified and a copy is mailed to the consumer. Additionally, they have not provided proof of ownership of the debt, a copy of the original credit agreement, or any evidence of legal standing to sue. They do not own the debt and were only assigned to it. Furthermore, this account is not charged off. 

I request that the CFPB investigate this violation and that XXXX XXXX XXXX be required to cease legal action until proper verification is provided. I will be exploring additional legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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:
I am formally requesting the following accounts as listed in my credit report, pursuant so Section 609 of the Fair Credit Reporting Act ( 15 U.S. Code 1681g ). These fraudulent inquiries are affecting my ability to obtain credit. I need them cease and desist/removed immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Student Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF ED XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX DEPT OF XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX DEPT OF ED 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 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My credit issues started with XXXX XXXX. Who stated the wrong amount due for a minimum payment. So when I paid the minimum payment, they did not include a fee that was going to be waived which XXXX XXXX  agreed upon and then that fee caused a XXXX  day late. This caused years of damages to my finances. My credit score decreased. Credit lines went down. Disputed many times as I built my credit score up again and as I got in good range XXXX XXXX then closed my account their decision. This closed is also not being properly reported as balance remaining has decreased significantly. 

Experian not properly calculating utilization, I have paid significant money towards existing credit lines. I have opened new credit lines that remain empty, and they have not been adjusted to my new income. My utilization still remains high even though lines have been paid done. My credit worthiness and my credit rating is extremely inaccurate as my XXXX missed payment should have been fixed with dispute as a hidden fee that was waived causing a XXXX  day late is UNETHICAL. 
XXXX XXXX  is widely known for bad business practices. Not their customers fault for their over leverage in commercial real estate.

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 2025-05-11 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: NY

Complaint narrative:
Dear Sir I writing to dispute certain hard inquiries listed on my credit report that I do not recognize and did not authorize. Under my right provided by the Fair credit reporting Act ( FCRA ) I am requesting that you investigate and remove these inquiries from my credit file XXXXXXXX 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 2025-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My name is XXXX XXXX, and I am the owner of XXXX XXXX, a business checking customer with Chase. I am contacting you regarding a series of XXXX XXXX fraudulently induced XXXX payments totaling \ {$6500.00} XXXX XXXX, which I respectfully request be reviewed for reimbursement and fraud investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Summary of the Scam : I was the victim of a scam involving a fraudulent XXXX  invoice, presented to me as a legitimate business transaction. I sent a customer an invoice of XXXX, after they recover the invoice they paid a total of {$6500.00} which was deposited into my account on XXXX I confirmed it was deposited at a Chase location and after feeling that the transaction was weird I sent back the money Via XXXX. After sending the money back through XXXX, the invoice was XXXX XXXX reversed XXXX XXXX and it became clear that I had been targeted in a coordinated fraud scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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.

Complaint narrative:
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. 
Account name : XXXX Account name : XXXX Account name : XXXX Account name : XXXX XXXX, violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2025-05-11 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: NC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-05-11 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: NC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have tried multiple times over the last XXXX years to access my credit report on XXXX with the latest date being XX/XX/year>. I have been unable to access it through XXXX or XXXX Every time I attempt and put my information in the same error message appears Were unable to complete your request online. I have reached out to TransUnion for help but no help is given. I am still unable to access my credit report.

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 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I was never notified that my student loan resumed. I received prior communication suggesting it was forgiven or closed. I got no billing statements, no emails, no notices, no lettersand now Ive been hit with a 90-day delinquency dated XX/XX/year>. 

It dropped my credit score from XXXX to XXXX, and I only found out when I checked XXXX. I wouldve paid this immediately if I had been notified. 

This is a systemic issuethousands of borrowers were hit the same way, as shown here : XXXX XXXX XXXXXXXX XXXX XXXX XXXX This is a violation of the Fair Credit Reporting Act. I demand the 90-day delinquency be removed and my credit corrected. If not resolved in 10 days, I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: TX

Complaint narrative:
I am writing to formally dispute the accuracy and completeness of the XXXX XXXX  account reporting under account number XXXX on my Experian credit report. This account is being reported as charged off with a balance of {$2700.00}, 153 % credit usage, and marked past due as of XXXX XXXX, this reporting is inaccurate, misleading, and fails to comply with the Fair Credit Reporting Act ( FCRA ). 

Reasons for Dispute : 1.Unverifiable Information : Under 15 U.S.C. 1681i ( a ), if information can not be verified within the statutory period, it must be deleted. I am requesting proper verification of this account, including original signed contracts and payment history.

2.Inaccurate Reporting of Credit Usage : The account reflects a usage rate of 153 %, which is not only mathematically questionable given the {$1800.00} credit limit, but also creates a false representation of my financial behavior and impacts my creditworthiness.

3.Charge-Off and Balance Conflict : The reporting reflects a charged-off status, yet still shows the full balance as past due. This is misleading and may constitute double damage by portraying the same amount as both written off and collectible. 
4.Failure to Update Account Closure and Payment Activity Accurately : If XXXX XXXX  closed this account in XXXX and reported a charge-off in XXXX, there should be no payment activity or updates reflected in XX/XX/XXXX, unless the creditor is re-aging the debtwhich violates FCRA guidelines and Metro 2 standards. 

Given the inaccuracies and unverifiable nature of the reported details, I am requesting immediate deletion of this account from my credit report.

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 2025-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
CFPB Complaint filed on XX/XX/year> My identity was used to obtain utility accounts, an apartment, and I believe funding for housing in my name in the XXXX area. 

The companies that allowed the fraud, dates accounts were opened and debt collectors : XXXX XXXX XXXX  XXXX account opened XXXX Resurgent/LVNV Funding Alleged Debt owed {$1800.00}, this was for utilities in XXXX or XXXX XXXX I know that because there are addresses listed on my credit report for several XXXX, TX addresses and XXXX for XXXX, TX. I have NEVER lived in XXXX and don't know anyone who does. 

I do not live in the XXXX area and have not for 45 years, and no longer have any family or friends there- we literally have to that area. I can not tell you the last time I stepped foot in XXXX or the surrounding area. I am XXXX XXXX wife, mother, and grand mother living in XXXX, Texas with my husband XXXX for almost 10 years. These companies were allowed to open accounts in my name without proper verification of who I was and I am not happy about it. When you contact the companies, you get the run around and they say the debt has been sold and when you contact the debt collectors they won't listen and try to make things almost impossible for me to correct fraud they are now supporting- they want to collect the debt. I am a XXXX XXXX woman and I do not understand why I would need to file a police report for these things I wasn't even aware of years later. I think my sheriff 's office would think I was losing it if I came in and asked to file a police report for something that occurred in XXXX area XXXX ago that I wasn't even aware of and is not within their jurisdiction. I shouldn't have to prove a negative, but I am willing to sign affidavits if asked and provide my energy providers, and proof of residency and home ownership.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: World Acceptance Corporation
State: KY

Complaint narrative:
company contacts me daily several times a day through email and mail and leaving voicemails. its harassment at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: NC

Complaint narrative:
It has come to my attention that my personal information was exposed in a recent XXXX  data breach. Upon reviewing my credit reports, I noticed several accounts that I do not recognize or recall opening. 

I have contacted the credit reporting agencies and requested validation of the debts in question. However, I have not received adequate documentation verifying the legitimacy of these accounts. 

Due to the exposure of my personal information, I have submitted an identity theft report through the Federal Trade Commission I am attaching a copy of that report along with a copy of my identification and documentation from the XXXX XXXX XXXX XXXX breach confirming that my information was compromised. 

I am formally requesting that these unauthorized accounts be investigated and removed from my credit file as soon as possible.

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 2025-05-11 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received my XXXX Credit Report that claimed i owned a Wells Fargo credit card that was past due 30 days in XX/XX/XXXX and that i was owing {$3400.00} on the card. The report claimed that i opened this card in XXXX and had been paying on the card since XX/XX/XXXX up to XX/XX/XXXX. None of this is correct. This XXXX did not feature anywhere in my credit report before XX/XX/XXXX but apparently have data dating back to XX/XX/XXXX. 

I have only one credit card with Wells Fargo with a limit of {$2100.00}. This card was correctly reflected in the report and payment has been up to date. 

I contacted Wells Fargo on the matter and they checked and confirmed that they did not have this other card in my name. In fact they said the card didn't exist. They promised to contact XXXX  to expunge the data from my records. 
Surprisingly, i received my XX/XX/XXXX credit report and discovered that XXXX  has reported the card as closed at the instance of Wells Fargo but that they had declined to remove the delinquent status which is currently at 150 days. 
I have contacted Wells Fargo again on the matter and they claim they don't have any such card in my name but is not willing to expunge the negative report from the card.

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 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Dispute of Inaccurate Late Payment Reporting Dear Experian Methods of Verification XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX I am writing to formally dispute an inaccurate late payment reported on my credit file. I have reviewed my credit report and found that XXXXXXXX XXXX XXXX is incorrectly reporting a late payment for the account listed below. 

Experian reported verified on XX/XX/XXXX. Per FCRA credit are to suppose to verify and reported Accurate. 

Creditor Name : XXXXXXXX XXXX Date of Alleged Late Payment : XX/XX/XXXX Reporting Issue : Marked as 30 days late this is inaccurate I have attached documentation showing that the payment was made on time, including : A copy of my credit report showing conflicting information Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter with the creditor and correct or remove the inaccurate late payment from my credit file. Please complete the investigation within the required 30-day period and provide me with a written confirmation of your findings. 

If additional information is needed to complete your investigation, please let me know as soon as possible. 

Thank you for your prompt attention to this matter. 

Sincerely, 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