vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: College Ave Student Loan Servicing, LLC
State: NC

Complaint narrative:
Subject : Urgent : FCRA Compliance Request Identity Verification Dispute / Loan Applications # XXXX & # XXXX Dear College Ave Student Loans, I am writing in reference to my student loan applications, numbered XXXX and XXXX, which were recently denied due to identity verification issues involving your third-party provider, XXXX. 

As stated in your adverse action letter dated XX/XX/year>, the denial was based on XXXX findings. However, despite multiple good-faith attempts to contact XXXX  and submit a request under the Fair Credit Reporting Act ( FCRA ), I have not received any response or instructions on how to verify or dispute the information used against me. 

Under FCRA 1681m ( a ), I am entitled to a clear disclosure of the information that led to the adverse action. Furthermore, under FCRA 1681g and 1681i, I have the right to obtain all consumer report information used in the decision and to dispute any inaccurate or unverifiable information. As of today, these rights have not been fulfilled due to XXXX lack of response. 

Since College Ave made the adverse credit decision, I am requesting the following : A full explanation of the identity verification findings that led to the denial of my loan applications. 

A secure and legally compliant method to submit alternative documentation verifying my identity ( e.g., government-issued ID, SSN card, proof of residence ). 

Guidance on how to formally appeal or resubmit my loan applications once my identity is properly verified. 

I remain eager to resolve this issue in a timely manner and believe this matter deserves urgent attention given its impact on my access to education financing. Please advise how I may proceed with verifying my identity and re-establishing my application status. 

Thank you for your time and assistance. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: MO

Complaint narrative:
Timeline of Events XX/XX/XXXX : XXXX sent an initial notice regarding an account placed by XXXX XXXX XXXX of XXXX ( XXXX ) for services rendered on XX/XX/XXXX. I did not receive this notice as I have no record of returned mail. 

XX/XX/XXXX : XXXX  placed the account with XXXX, and I was unaware of this account until it appeared on my credit report. 

XX/XX/XXXX : I received an indirect dispute notification from consumer reporting agencies ( CRAs ) regarding the account in question. I had not previously been informed of any disputes or issues related to this account. 

XX/XX/XXXX : XXXX responded to my complaint ( ref # XXXX ), stating : " XXXX has XXXX record of receiving the dispute referenced in XXXX XXXX complaint XXXX XXXX has dispositioned XXXX XXXX account to a cease communication status. '' Despite this response, the same account was reported again on my credit report after this date. 

Nature of the Complaint I am filing this complaint due to the following violations of the Fair Credit Reporting Act ( FCRA ) : Inaccurate Reporting : The account has been inaccurately reported on my credit report despite the acknowledgment of a cease communication status. 

Failure to Investigate : XXXX did not adequately investigate my dispute, as indicated in their response, which contradicts the requirements set forth by the FCRA. 

Negligence : The continued reporting of this account without proper verification or correction has adversely affected my creditworthiness and caused undue stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-04-16 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-04-16 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: IN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to 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 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase pit a restriction on my account until they can verify the check I was forcing to deposit I didn't steal or fraudulently made out a check to myself. XXXX XXXX representatives called me a criminal saying they need to verify I received this check not stolen or fraudulently received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-16 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: OH

Complaint narrative:
This account was charged off on the following date XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations.You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
XX/XX/XXXX : Funds Transfer Request for {$15000.00} from my Webster Bank checking account to my linked a validated external account scheduled online using two factor authentication through Webster Bank XX/XX/XXXX : transfer put on hold without stating a reason. Also all external account transfers blocked at the same time. 
I called in at XXXX am and talked to XXXX from Webster bank. Told me he will put me 5 minutes on hold to get this resolved. Could not get a reason stated for this. They were unable to fix the issue and XXXX told me I had to go to a bank. 
I went to Webster Bank in XXXX XXXX, XXXX XXXXXXXX XXXX after lunch that day. Was told they would call the back office to get this resolved. 
XX/XX/XXXX : phone call with XXXX XXXX, XXXX XXXX XXXX, XXXX # : XXXX. Was told that the transaction will get cancelled and that I should write myself a check instead. 
On the same day the {$15000.00} was booked off my checking account ( dated to XX/XX/XXXX as transaction date )! 
As of today the money was not refunded and also not received on the receiving account. 
No information and no urgency from Webster Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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:
This is a formal follow-up regarding a prior CFPB complaint ( Case XXXX XXXX filed on XX/XX/2024 ), where I informed you that the inaccurate account XXXX XXXX XXXX * * * * on my credit report is the result of the XXXX  data breach.

Since then, XXXX and XXXX  have deleted this account, acknowledging the error. Yet, Experian continues to report it, which is a violation of my consumer rights.

In your response, you stated that you reached out to the data furnisher and that they verified the accuracy of the information. However, you failed to provide any explanation or documentation proving how this was verified. This appears to be another generic response from your company. 

Furthermore, when I contacted XXXX XXXX by phone, I was informed that no actual investigation was ever conducted and that you did not confirm the reporting accuracy with the furnisher. 

You can not claim an item has been verified without showing proof of how it was verified. This lack of transparency and failure to properly investigate my dispute is unacceptable. 

I am demanding the immediate removal of this account from my credit report and expect written confirmation within 7 days as required by law.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have never given this company any permissible purpose or authorization to make a hard inquiry or report this account on my credit report. This is fraud and I demand that the account be removed immediately. I have never done business with this company.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have never given this company any permissible purpose or authorization to make a hard inquiry or report this account on my credit report. This is fraud and I demand that the account be removed immediately. I have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, ny XXXX SSN Last XXXX : XXXX XXXX : XX/XX/year> Experian, equifax, transunion Request for Debt Validation and Removal of Negative Account from Credit Report Account Number : XXXX Dear CAPITAL ONE I am writing to formally request validation of the alleged debt mentioned above, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). It has come to my attention that this debt is currently being reported on my credit report, and I would like to resolve this matter. 

Please provide : 1. * * Documentation that verifies the debt * * : Proof that I agreed to the terms which led to this debt, including the original signed agreement if applicable.

2. * * Detailed accounting of the debt * * : An itemized statement providing a breakdown of how the alleged amount was calculated.

3. * * Verification that your company is legally entitled * * to collect this debt : Details such as licensing documentation if required in my state.

Furthermore, should you be able to validate the debt, I am willing to discuss an appropriate settlement arrangement to satisfy any legitimate and validated obligations. As part of this resolution, I would request that you provide written confirmation that upon payment, the negative entry related to this account will be deleted from all major credit reporting agencies ( Experian, Equifax, and TransUnion ). 

If you are unable to validate this debt, I respectfully request that you cease collection activities and remove any erroneous credit report entries related to this account in accordance with the Fair Credit Reporting Act. 

Please respond in writing within 30 days of receipt, acknowledging this dispute and providing the requested validation documentation. All future communication regarding this matter should be in writing. 

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 non-monetary relief
Consumer complaint received 2025-04-16 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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, ny XXXX SSN Last XXXX : XXXX XXXX : XX/XX/year> Experian, equifax, transunion Request for Debt Validation and Removal of Negative Account from Credit Report Account Number : XXXX Dear CAPITAL ONE I am writing to formally request validation of the alleged debt mentioned above, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). It has come to my attention that this debt is currently being reported on my credit report, and I would like to resolve this matter. 

Please provide : 1. * * Documentation that verifies the debt * * : Proof that I agreed to the terms which led to this debt, including the original signed agreement if applicable.

2. * * Detailed accounting of the debt * * : An itemized statement providing a breakdown of how the alleged amount was calculated.

3. * * Verification that your company is legally entitled * * to collect this debt : Details such as licensing documentation if required in my state.

Furthermore, should you be able to validate the debt, I am willing to discuss an appropriate settlement arrangement to satisfy any legitimate and validated obligations. As part of this resolution, I would request that you provide written confirmation that upon payment, the negative entry related to this account will be deleted from all major credit reporting agencies ( Experian, Equifax, and TransUnion ). 

If you are unable to validate this debt, I respectfully request that you cease collection activities and remove any erroneous credit report entries related to this account in accordance with the Fair Credit Reporting Act. 

Please respond in writing within 30 days of receipt, acknowledging this dispute and providing the requested validation documentation. All future communication regarding this matter should be in writing. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: NY

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX * * * * * * * * * * has violated my rights. 

EQUIFAX XXXX XXXX XXXX * * * * * * * * * * has violated my rights. 

EXPERIAN XXXX XXXX XXXX * * * * * * * * * * has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/year>2025, and noticed some things are incomplete and not accurate. 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 generallf, 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.

and according to 15 USC 1681s-2 they are suppose to 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 2025-04-16 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: NY

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX * * * * * * * * * * has violated my rights. 

EQUIFAX XXXX XXXX XXXX * * * * * * * * * * has violated my rights. 

EXPERIAN XXXX XXXX XXXX * * * * * * * * * * has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/year>2025, and noticed some things are incomplete and not accurate. 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 generallf, 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.

and according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief