vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: PA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : I never has an account with XXXX  and will not pay for something I never had. Please remove from my account. I have already file complaints with the XXXX  and the crbp regarding this fictitious debt. 

Sent from my XXXX On XX/XX/2025, at XXXX, XXXX XXXX XXXX wrote : XXXX XXXX XXXX We purchased your account from the alarm company XXXX. The balance owed is {$3300.00}. We are willing to settle your account for a discounted amount of {$1600.00}, if paid by XXXX. If you pay the account, we offer full deletion of debt. We would delete it from the credit bureaus in its entirety. Pay online at XXXX with account # XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX I have lost my purse and it had my wallet in it. My wallet had my personal information in there. My government ID and also my social security card were inside of my wallet. I have noticed that there are negative items that I have unknown knowledge about. These negative items that I have noticed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: 21ST MORTGAGE CORP.
State: IA

Complaint narrative:
They were going to foreclose on me but it got reinstated with payment that I made more than two weeks ago after I was sent what amount needed to be paid they then said I had to provide insurance information which I did mind you this is after payment is made and when insurance info was provided they said I need flood insurance I can not get flood insurance they also said even after I made the payment that it would not be reinstated if insurance info was not provided which it was but they changed it after I got insurance and they still have yet to apply my payment it still shows I owe

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I have received notice of fraudulent credit card applications from XXXX XXXX XXXX XXXX  Wells Fargo, and XXXX. I have contacted the companies and placed credit freezes on XXXX, XXXX, and XXXX. Applications were dated XX/XX/XXXX and XX/XX/XXXX, included my address and SS #, but have not gone through because of the freezes I placed. I was notified of the Credit Inquiry.

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 2025-03-24 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: AZ

Complaint narrative:
I AM A XXXX XXXX XXXX WITH 605C AND THERE ARE ACCOUNTS AFFECTING ME NEGATIVELY. IVE REPORTED THE FOLLOWING ACCOUNTS AND WILL BE UPLOADING THEM WITH MY SUPPORTING DOCUMENTS TO FURTHER SUPPORT MY CLAIM.

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 2025-03-24 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: MO

Complaint narrative:
Requested a debt validation letter from all 3 credit bureaus, Equifax, TransUnion and Experian in regards to XXXX. The 3 credit bureaus never sent me a debt validation letter. Their " automated system '' just validated the debt within less than 24 hours of contact.

I was able to get in touch with 2 of the credit bureaus by phone. Transunion and Experian. 

Transunion put the debt into disputes even though I have been disputing the debt for months at this point. ( XXXX ) Transunion also removed all of the phone numbers there were invalid. Transunion also removed the employer. 

However, Experian did not help and argued with me about removing illegal and invalid names. 

XXXX did send me a debt validation letter but did NOT send a contract bearing my signature. The debt is invalid/fraudulent. BUT the credit bureaus and Aidvantage are still reporting this debt as valid. 

The credit bureaus and XXXX want me to keep disputing things even after the 30 day stipulation, in regards to disputes. I have provided them ALL with the lack of proof they either didn't or did provide me. There is no legal and valid contract with XXXX. My legal and valid name XXXX XXXX XXXX XXXX. ONLY Experian will NOT correct it. I have submitted them proof of that via my drivers license and social security card. I have sent all 3 credit bureaus the invalid debt validation letter from XXXX. 

Twice over I have sent proof of everything to the credit bureaus and XXXX and nothing is getting resolved and removed from my credit reports.

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 2025-03-24 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: MO

Complaint narrative:
Requested a debt validation letter from all 3 credit bureaus, Equifax, TransUnion and Experian in regards to XXXX. The 3 credit bureaus never sent me a debt validation letter. Their " automated system '' just validated the debt within less than 24 hours of contact.

I was able to get in touch with 2 of the credit bureaus by phone. Transunion and Experian. 

Transunion put the debt into disputes even though I have been disputing the debt for months at this point. ( XXXX ) Transunion also removed all of the phone numbers there were invalid. Transunion also removed the employer. 

However, Experian did not help and argued with me about removing illegal and invalid names. 

XXXX did send me a debt validation letter but did NOT send a contract bearing my signature. The debt is invalid/fraudulent. BUT the credit bureaus and Aidvantage are still reporting this debt as valid. 

The credit bureaus and XXXX want me to keep disputing things even after the 30 day stipulation, in regards to disputes. I have provided them ALL with the lack of proof they either didn't or did provide me. There is no legal and valid contract with XXXX. My legal and valid name XXXX XXXX XXXX XXXX. ONLY Experian will NOT correct it. I have submitted them proof of that via my drivers license and social security card. I have sent all 3 credit bureaus the invalid debt validation letter from XXXX. 

Twice over I have sent proof of everything to the credit bureaus and XXXX and nothing is getting resolved and removed from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance {$890.00} Open Date XX/XX/XXXX XXXX XXXXXXXX XXXX Balance {$150.00} Open Date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$270.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$17000.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$1300.00} Open Date XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Balance {$300.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balnace {$770.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$580.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance {$550.00} Open Date XX/XX/XXXXXXXX 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 2025-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase has made brushing scam fraudulent charged on card for : {$280.00}, {$10.00}, {$230.00} on XX/XX/XXXX. They are not responding to me for the dispute despite proof provided by me and XXXX about the fraud. Chase also stole my own credit of {$87.00} which they need to give me via echeck. They keep transferring me and continue to steal my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized access to my personal and sensitive data and information by XXXX XXXX XXXX and and his non-governmental employees through the department of education 's database. 

On or about XX/XX/XXXX, XXXX XXXX instructed his team of non-governmental employees in Department of Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Department of Education, including financial aid data that contains the personal information of millions of students enrolled or formerly-enrolled in federal student aid program ( s ). My information was among that information that has been compromised.

Even U.S. District Judge XXXX XXXXXXXX XXXX  preliminary injunction, my data and the data of millions of other students has already been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed Bankruptcy on XX/XX/XXXX. My bankruptcy was discharged on XX/XX/XXXX. 

On XX/XX/XXXX, XXXX sent letters confirming that all 4 loans had been discharged in the bankruptcy and that I have no further obligation to pay the 4 loans. Further, XXXX indicated in the letters that they would update my credit report to reflect the loans closed. Attached are those 4 letters. 

In XX/XX/XXXX, I begun to notice my credit score rose from the low XXXX to over XXXX. 

In XXXX, XXXX and XX/XX/XXXX, XXXX incorrectly began reporting that the 4 loans were past due. 

In XX/XX/XXXX, my credit score began decreasing after XXXX incorrectly reported that my 4 loans were delinquent. In XX/XX/XXXX, my credit score had decreased to XXXX. 

As a direct result of XXXX incorrect reporting on my credit report my score is continuing to decrease. 

In XX/XX/XXXX, I contacted XXXX and was told that they were not reporting on their end and it was likely Experian had updated this information since that sometimes happen. 

In XX/XX/XXXX, I filed a dispute with Experian that XXXX reported that the 4 loans that had been discharged in my bankruptcy, and confirmed in the attached letters, sent to me by XXXX, which stated that I had no further obligation to repay those loans. 

However, instead of XXXX reporting that these 4 loans were closed in bankruptcy, the they duplicated the loans so now it shows I have 8 loans, 4 which are paid and 4 which are delinquent. 

I respectfully request that XXXX cease from reporting that these loans are delinquent as they were included in the bankruptcy discharge as confirmed in the letters sent by XXXX that were dated XX/XX/XXXX. 

Per the instructions by Experian, I have mailed this letter and the 4 letters from XXXX to Experian. 

I further request that my credit score revert back to a score prior to XXXX incorrect reporting to my credit report in XX/XX/XXXX going forward. 

This has caused me a lot of distress as I have relied on my credit score increasing since it could have a direct affect on my livlihood as an XXXX after I pass the 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 2025-03-25 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: NJ

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I sent a letter with my XXXX  XXXX which is very clear and easy to read. I clearly requested what I needed, and instead, they ignore my request and also address the envelope to XXXX XXXX. These agencies creating the credit reports are inaccurately reporting my name and credit as you can clearly see what I wrote in the letter to them. I need all XXXX reports asap by XXXX Mail and not on any online account. The person listed on the envelope is not me and is just another delay tactic into getting me my XXXX requests fulfilled as per the Laws set forth for fair credit reporting. Get my credit reports within 30 days by XXXX mail and mail it accurately and to my name : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. the XXXX XXXX XXXX address is the accurate address to mail it to and my XXXX XXXX XXXX XXXX, GA is an XXXX address that I use for mail as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX. XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Credit Report Information Dear Consumer Financial Protection Bureau , I am writing to formally dispute multiple inaccuracies on my credit report. I recently reviewed my credit report and found errors that need to be corrected as they do not accurately reflect my credit history. Below are the details of the disputed items : Items Being Disputed : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Error Description : Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain maximum possible accuracy of consumer reports. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), credit bureaus must correct or delete inaccurate, incomplete, or unverifiable information within 30 days of receiving a dispute.

Furthermore, under 15 U.S.C. 6802, financial institutions have a duty to protect consumer privacy, ensuring that personal information is not disclosed without proper authorization. Under 15 U.S.C. 1681s-2, furnishers of credit information are responsible for reporting accurate data and correcting errors upon notification. Lastly, under 18 U.S.C. 1028A, any willful misrepresentation or identity theft in connection with these inaccuracies may be subject to severe legal consequences.

I have attached copies of relevant documents, including my credit report with the disputed items highlighted, a copy of my identification, and any supporting documents that verify my claim.

I request that these errors be investigated and corrected promptly. Please provide me with written confirmation once the changes have been made. If the information can not be verified, I ask that it be removed from my credit report immediately, as required by law.

Thank you for your time and attention to this matter. I appreciate your prompt resolution and look forward to your response. 



Sincerely,

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 2025-03-24 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Subject : Debt Ownership Dispute, Validation Request, Cease-and-Desist, and Demand for Deletion I formally dispute the collection account below and demand full validation under the FDCPA, FCRA, and Regulation F. Until proper validation is provided, all collection and reporting activities must cease immediately as required by law.

Legal Basis for My Dispute : 15 U.S.C. 1692g ( b ) ( FDCPA ) : Collection efforts must cease until full validation is provided.

Green v. Portfolio Recovery Assocs. LLC ( 2024 ) : A statement alone is insufficient proof of debt ownershipyou must provide a complete chain of assignments. Missing any Bill of Sale voids your claim.

15 U.S.C. 1681s-2 ( a ) & ( b ) ( FCRA ) : Prohibits reporting unverifiable information.

Securitization Law : If this debt was bundled and sold as a security, you lack standing to collect. 

My Formal Demands : Debt Validation Provide : The original signed agreement and full payment history.

All Bills of Sale/Assignments proving continuous ownership.

Confirmation this debt was not securitized.

Cease-and-Desist : Stop all collection and reporting activities until validation is completed.

Immediate Deletion : If you can not fully validate this debt, remove it from Experian, TransUnion, and Equifax immediately.

Personal Information Update Please update my personal information to reflect the following : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX Delete the Following Undeliverable Addresses and Aliases : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX Employers XXXX XXXX  XXXX  Accounts to Be Validated XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) - XXXXXXXX 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 - XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Experian XXXX XXXX XXXX XXXX  - Auto Financing Companies - XX/XX/XXXX - Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - Experian Failure to comply within the legally required timeframe will result in formal complaints to the CFPB, FTC, and legal action for violations of 15 U.S.C . 1681n & 1681o.

I expect written confirmation of compliance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Regulation F. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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