vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX or XXXX I received an email stating that my phone number was changed or updated on my Money lion XXXX XXXX XXXXXXXX XXXX account I immediately called to see why I was I receive that email due to I havent made any changes or changed my phone number. I wasnt able to update my number back to my actual number for 24hrs due to that the fraudster had full access to my account an defraud me out of money an also initiated a transfer to their XXXX XXXX account. As of today XX/XX/XXXX I still have no access to the account a the provision credit that was finally given after 30+ days which is totally unacceptable. Its one thing to have your account taken over by someone a steal your money but to not be able to utilize your own account after XXXX days an no access to your money is absolutely insane.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
I continue to get phone calls from XXXX XXXXXXXX XXXX XXXX, claim to be a lawfirm that helps companies collect debt. I never utilized a money loan company online for any type of a loan. their number is XXXX. 
I believe due to when victim of iden.tity theft around days of covid, my credit cards and bank account were compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am a victim of identity theft or fraud, amount totaling in {$13000.00} was charged to my debit card without notice or authorization. The first 2 transactions were on XX/XX/XXXX, one for {$3000.00} and another for {$4000.00}. The next transactions listed were made today, XX/XX/XXXX for {$1200.00}, {$1100.00} and {$3800.00}. I was unaware of these charges until my bank notified me via email that my account was declining. It's possible my identity was stolen or XXXX XXXX was hacked, I have no clue how this occurred, but all I know is that was my entire net worth and I need this to be resolved.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am requesting your help to investigate accounts where companies have mistakenly reported late payments. Upon reviewing my credit report, I found errors on specific accounts showing late payments that should not be there. These accounts should not have any late remarks. Please remove these errors and update them to reflect a positive status.

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 2025-03-26 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: TX

Complaint narrative:
I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 3 ) Documentation that shows I agreed to pay this debt with my signature and documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. 4 ) The Agreement that grants you authority to collect on this alleged debt. 5 ) A copy of your state license, including license number that gives you rights to collect in my state. 6. ( The purchase agreement ) 7. ( Swear under penalty of perjury you were present during the alleged debt ) Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$23000.00} XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$1000.00} XXXXXXXX XXXX XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$220.00} Company or Organization : XXXX XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$310.00}

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 explanation
Consumer complaint received 2025-03-26 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX | XXXX : XXXX | Phone : ( XXXX ) XXXX File ID : XXXX Date : XX/XX/XXXX To : TransUnion Consumer Relations XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Formal Metro 2 Compliance Challenge - XXXX XXXX XXXX ( # XXXX ) ** To Whom It May Concern, This letter is a formal Metro 2 compliance audit request and dispute under the Fair Credit Reporting Act ( FCRA ) regarding the tradeline reported from : XXXX XXXX XXXX Account # : XXXX Type : Installment ( Auto ) Reported Status : Charged Off Opened : XX/XX/XXXX | Closed : XX/XX/XXXX Balance : {$23000.00} Past Due : {$23000.00} Original Charge-Off : {$44000.00} Original Amount : {$47000.00} After your recent update on XX/XX/XXXX, several Metro 2 and FCRA violations remain : Metro 2 Compliance Violations Identified Improper Delinquency Reporting Post-Closure You report " Charge Off '' monthly through XX/XX/XXXX, even though the account was closed on XX/XX/XXXX. Per Metro 2 standards, no derogatory activity should be reported after the closure date. 
2. Balance Discrepancy Without Explanation The account shows a charge-off of {$44000.00}, a high balance of {$47000.00}, and a remaining balance of {$23000.00}. No Metro 2-compliant explanation exists to justify this discrepancy. 
Te r m s Field Violation The terms are listed as " {$0.00} per month for 72 months. '' Per Metro 2 format, installment terms must reflect valid contractual obligations or be marked using the proper code ( e.g., " NA '' for no terms ). 
Missing Compliance Condition Code Despite the account being actively disputed, no Compliance Condition Code ( XXXX XXXX XXXX ) is present. 
This is a violation of both XXXX XXXX guidelines and FCRA 623 ( a ) ( 3 ). 
Formal Demands Under FCRA 607 ( b ), you are obligated to ensure maximum possible accuracy. I demand the following : Immediate reinvestigation and Metro 2 audit of this XXXX XXXX XXXX tradeline. 
Correction or full deletion of this account if accuracy and compliance can not be 2. 
confirmed. 
3. Written response within 15 days, or this matter will be escalated to the CFPB, FTC, NY Attorney General, and an arbitration demand for reputational damages.

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 2025-03-26 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: TN

Complaint narrative:
I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

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 2025-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I never even got any kind of information that my loan was out of forbearance. It wasnt supposed to be out of forbearance at all to my knowledge. It had been out since XXXX No notice. These people tanked my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: NV

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 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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are multiple inaccuracies on my credit report that must be removed without delay. Some contain incorrect details that do not match my records, others are entirely unfamiliar, and several have been reported without proper verification. These discrepancies violate the FCRA, which requires all information to be 100 % accurate and backed by legitimate documentation. 

To resolve this matter fairly, I demand that all inaccurate items be permanently removed from my credit report. If the reporting entities can not provide legitimate proof confirming their accuracy, they have no legal right to remain on my file. I expect immediate corrective action to restore the integrity of my credit profile.

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 2025-03-26 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: WA

Complaint narrative:
I had asked XXXX XXXX which is managed by XXXX XXXX to remove my erroneous credit report data from the 3 credit reporting agencies in XX/XX/XXXX. Data was removed temporarily but was put back on to the 3 credit reporting agencies in XX/XX/XXXX. XXXX XXXX found their mistake again but still has failed to remove the erroneous credit report from XXXXXXXX XXXX on the 3 credit reporting agencies which is affecting my credit reporting ratings.

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 2025-03-26 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: WA

Complaint narrative:
I had asked XXXX XXXX which is managed by XXXX XXXX to remove my erroneous credit report data from the 3 credit reporting agencies in XX/XX/XXXX. Data was removed temporarily but was put back on to the 3 credit reporting agencies in XX/XX/XXXX. XXXX XXXX found their mistake again but still has failed to remove the erroneous credit report from XXXXXXXX XXXX on the 3 credit reporting agencies which is affecting my credit reporting ratings.

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 2025-03-26 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I had asked XXXX XXXX which is managed by XXXX XXXX to remove my erroneous credit report data from the 3 credit reporting agencies in XX/XX/XXXX. Data was removed temporarily but was put back on to the 3 credit reporting agencies in XX/XX/XXXX. XXXX XXXX found their mistake again but still has failed to remove the erroneous credit report from XXXXXXXX XXXX on the 3 credit reporting agencies which is affecting my credit reporting ratings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
ive been trying to access my credit report from experian after a suspiciously low score from them led to a loan falling through. the account creation system doesnt work

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 2025-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: ME

Complaint narrative:
XXXX XXXX never sent notice of debt or right to dispute the debt that was provided by XXXX XXXX. XXXX XXXX never sent notice of medical bills via email nor physical mail and sent it straight to a debt collector after XXXX weeks of the date in question XX/XX/year>. XXXX XXXX notified me of paying this on XX/XX/year> without sending any physical notice and when I had called on XX/XX/year> they did not state I could dispute this debt when asked about the debt. XXXX XXXX also never gave any type of notice that late fees applied to their practices or what the amount of said fees were.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: OH

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: SC

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: WA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: PA

Complaint narrative:
Subject : Formal Complaint Against Equifax Information Services for FCRA Violation Unauthorized Reinsertion of Previously Removed Account Dear Consumer, Financial Protection Bureau, I am filing a formal complaint against Equifax Information Services for violating Section 611 ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ). 
I previously disputed several inaccurate accounts on my credit report due to identity theft. Equifax Information Services investigated the matter and subsequently removed the following account from my credit file : XXXX XXXX XXXX XXXX  XXXX However, I recently discovered that this account has been reinserted without any prior notification, which is a direct violation of FCRA regulations. 
As you are aware, FCRA Section 611 ( a ) ( 5 ) ( B ) requires credit reporting agencies to notify consumers within five business days if previously deleted information is reinserted. XXXX failed to provide me with such notice, causing undue stress and potential damage to my credit profile. 
I have attempted to resolve this issue directly with XXXX, but they have failed to provide an adequate response. I am now requesting CFPBs intervention to ensure Equifax Information Services complies with the law and removes these unauthorized reinsertions immediately.

Company response to consumer: Closed with non-monetary relief