vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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: LA

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 2025-03-21 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, 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 2025-03-21 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, 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 explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: WA

Complaint narrative:
I am disputing a charge for carpet replacement that my former landlord referred to a debt collection agency immediately upon notifying me of the charge on XX/XX/year> ( 5 days after our lease end date ), without giving me a reasonable opportunity to dispute it directly. 

The landlord sent an email with a final account statement and photos of the unit on XX/XX/year>, but did not provide detailed documentation justifying the charge, such as the carpets age, proof that cleaning was attempted before replacement, or depreciation calculations. I requested this information on XX/XX/year> and, after response from the landlord which did not provide the information requested, again on XX/XX/year>. 

When I contacted the collections agency ( Assurant Recovery Solutions ) on XX/XX/year> to request a letter of debt validation, they stated the letter would only provide the same limited information already shown in the landlords final statement : a general reference to damage/carpet replacement and the amount owed. 

I submitted a written dispute to Assurant on XX/XX/year>. However, I remain concerned that this debt was referred to collections prematurely, without appropriate documentation or the opportunity to resolve the issue with the landlord directly.

Im requesting CFPB review whether the debt collector and/or landlord followed proper procedure under the Fair Debt Collection Practices Act ( FDCPA ) and Washington State landlord-tenant law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
On XX/XX/year>. XXXX XXXX instructed his team of Department Government Efficiency ( DOGE ) to gain access to multiple internal systems within the department of education, including financial aid dataset that contains the personal information of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2100.00} XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$590.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$350.00} **these late payments need to be removed** XXXX XXXX  Balance {$1300.00}

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 2025-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
The amount was for {$200.00} and on XX/XX/XXXX. My bank said that my XXXX  was unenrolled and disabled was because a friend paid me for services they received and after receiving the services now they are trying to file a claim to get their money back. Its been weeks since this happened so they should know the claim was valid. They are trying to get the services for free. My bank wells fargo is refusing to reactivate my XXXX  and re-enroll me. They want me to personally speak to the person that submitted the claim. The person is crazy and im not willing to put my life in risk because he decided to put in a claim for money that he did owe.

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by the credit bureaus. I submitted a complaint to the credit bureaus regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, the credit bureaus are legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from the credit bureaus. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that the credit bureaus address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failure to properly investigate consumer disputes, leading to legal action for FCRA violations. This ongoing pattern of noncompliance is unacceptable, and I will not allow my credit profile to be affected by Equifaxs negligence. 

The following accounts require immediate review and correction : Inaccurate Equifax Charge Off 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 - Balance : {$0.00} Federal law ( 15 U.S.C. 1681i ) mandates that Equifax conduct a legitimate reinvestigation of all disputed information within 30 days. Any item that can not be 100 % verified with legitimate documentation must be deleted. These inaccuracies are actively damaging my financial standing, and I demand immediate corrective action. Failure to act promptly will not be ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: IA

Complaint narrative:
My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These incorrect records are unfairly lowering my credit score, and I refuse to accept this damage to my financial reputation. 

The following late payment remarks require immediate correction : Inaccurate Late Payment Remarks ( TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Reporting Past Due : {$0.00} I have diligently maintained my financial responsibilities, yet these errors continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errorsany further delay will be seen as deliberate negligence.

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 2025-03-21 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: LA

Complaint narrative:
This account was charged off on the following date : XX/XX/XXXX. Since then the date of last activity has been inconsistently updated. On XXXX the date last payment is XX/XX/XXXX an on XXXX it's ( XX/XX/XXXX ). There is also a discrepancy about the first date of delinquency and the amount of late payments on all 3 credit bureaus. If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. Account number : 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 2025-03-21 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: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Well as of XX/XX/year> all medical debts is supposed to be removed from all credit reports and I have disputed this company bull city solutions several times I have a dispute with experian right now they have 10 account trying to collect XXXX dollars these are some of the same charges for this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing this complaint due to multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding the inaccurate and misleading reporting of a collection account from " XXXX XXXX ( Original XXXXXXXX XXXX XXXX XXXX XXXX '' for an alleged debt originally from XXXX XXXX XXXX XXXX XXXX XXXX 

Here are the specific violations that require correction or removal of this account : Illegal Re-Aging of Debt ( FCRA 609 & Metro 2 Guidelines ) The collection account reports different " Date Opened '' dates across the bureaus ( XX/XX/XXXX, XX/XX/XXXX ), making it appear newer than it should. 
The original delinquency date should be used, NOT the date the collection agency started reporting. This is a violation of FCRA rules.

Last Reported Date Manipulation ( FCRA 623 ) The Last Reported Date has been updated incorrectly ( XX/XX/XXXX & XX/XX/XXXX ), making the debt look newer, which unfairly impacts my credit score. 
Credit bureaus must not allow re-aging of debt by updating the reported date without real activity. 
Charge-Off & Collection Status Conflict ( FCRA 623 & FDCPA 807 ( 2 ) ( A ) ) The account is labeled as both a Charge-Off and a Collection, which is misleading and inaccurate. It can not be both at the same time.

This constitutes false representation of the debt under federal law.

Inconsistent & Misleading Comments ( FCRA 607 ( b ) ) The account has different comments across bureaus : " Placed for Collection '' ( TransUnion ) " Subject has not satisfied debt '' ( Equifax ) These are inaccurate, inconsistent, and misleading and need to be corrected or removed.

Failure to Validate Debt ( FDCPA 809 ) The debt collector has failed to provide proper validation of this debt.

I am demanding the original contract bearing my wet-ink signature or a full validation of this debt under federal law.

If the collector can not provide this, the account must be deleted from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: SUNRISE CREDIT SERVICES, INC
State: AR

Complaint narrative:
I am filing a formal complaint against Sunrise Credit Services , Inc. regarding their collection activities on my account ending in 1014. Pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting your assistance in investigating and addressing the following violations : Failure to Provide Debt Validation Sunrise Credit Services , Inc. has not provided proper validation of the alleged debt within the legally required timeframe.

Under 15 U.S.C. 1692g ( b ), once I disputed the debt in writing within 30 days, they were required to cease collection efforts until they provided verification. They failed to comply with this requirement.

Continued Collection Efforts Without Validation Despite my written request, they have continued collection attempts, which is a violation of the FDCPA.

This includes repeated phone calls and letters demanding payment without fulfilling their obligation to verify the debt.

Potential Misrepresentation of the Debt I have reason to believe that this alleged debt may be inaccurate or does not belong to me.

Without proper documentation, their collection actions may constitute false or misleading representation under 15 U.S.C. 1692e.

Requested Action : I request that the CFPB take the following actions : Investigate Sunrise Credit Services , Inc. for their noncompliance with federal debt collection laws.

Require them to cease all collection activities until they provide full validation of the alleged debt.

If they fail to validate the debt, ensure the account is removed from any reporting bureaus and collection attempts are halted.

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 2025-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BILL.COM, LLC
State: FL

Complaint narrative:
I asked the company to look into the fraud that is happening on my account, the said it will take XXXX days to do the investigation, when the investigation was done 2 days later they denied that there was fraud was clearly there was. I tried to get them to send me a reason but they did not, I asked for the to open the investigation again and look into it and they wouldnt. So To Whom It May Concern : I am writing to file a formal complaint against bill.com /webbank for their failure to properly investigate my fraud claim and their refusal to provide a clear reason for denying my dispute. This conduct violates federal consumer protection laws, and I am seeking your assistance to resolve this matter. 

The banks actions ( or inactions ) violate the following federal laws : 1Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq. : Under Regulation E ( 12 C.F.R. 1005.11 ), financial institutions are required to investigate reported errors ( including unauthorized transactions ) and provide a written explanation of their findings. 
The bank has failed to conduct a reasonable investigation or provide a clear reason for denying my claim.

2Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666 et seq. : Under the FCBA, creditors must acknowledge and respond to billing error disputes within 30 days and resolve the issue within 90 days.

The bank has failed to comply with these timelines and has not provided a resolution.

3Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq. : The banks failure to address my fraud claim constitutes unfair and deceptive practices, which are prohibited under the CFPA.

Request for Assistance : I am requesting that the CFPB : 1Investigate bill.com/webbank handling of my fraud claim.

2Ensure that the bank conducts a proper reinvestigation of the disputed transactions.

3Require the bank to provide a clear and detailed explanation for their denial of my claim.

4Ensure that any fraudulent charges are removed from my account and that my credit report is corrected if applicable.

Supporting Documentation : I have attached the following documents to support my complaint : 1Copies of my correspondence with bill.com/webbank Please let me know if you require additional information to process my complaint. I appreciate your assistance in resolving this matter and holding bill.com/webbank accountable for their violations of federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have submitted a report via email to address the incorrect information provided by the credit bureau. I am formally disputing an error on my credit card statement and have requested a thorough investigation. However, the company has failed to address the matter properly. I would appreciate your immediate attention to this issue. Additionally, please provide a confirmation receipt for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief