vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX Subject : Request for Immediate Credit Report Correction Due to Bank Processing Error To Whom It May Concern, I am filing a formal complaint and request for immediate correction regarding XXXX late payments reported on my credit report for the months of XX/XX/year> and XX/XX/year>, related to my account with XXXX XXXX XXXX ( Account XXXX XXXXXXXX ). These entries were reported in error and are currently having a significant negative impact on my credit score and financial well-being. 

The issue arose due to a processing error by my financial institution, XXXX XXXX, which failed to transmit my XXXX XXXX payments on time despite my proper scheduling and authorization. This was neither due to my negligence nor any action on my part. I have since received a formal letter from XXXX confirming their responsibility for the error and affirming that the payments were in fact timely authorized. 

Despite this evidence, the creditor has declined to adjust the reporting. As such, I am requesting the assistance of the Consumer Financial Protection Bureau to facilitate the immediate removal of these inaccurate entries from my credit report. These erroneous reports are not only unfairly damaging my credit score but also hindering my ability to apply for credit and financial services. 

I respectfully urge you to review the enclosed documentation, including a support letter from XXXX, and intervene to ensure that this reporting error is corrected as quickly as possible. 

Thank you for your time, attention, and assistance in helping to resolve this urgent matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX Subject : Request for Immediate Credit Report Correction Due to Bank Processing Error To Whom It May Concern, I am filing a formal complaint and request for immediate correction regarding XXXX late payments reported on my credit report for the months of XX/XX/year> and XX/XX/year>, related to my account with XXXX XXXX XXXX ( Account XXXX XXXXXXXX ). These entries were reported in error and are currently having a significant negative impact on my credit score and financial well-being. 

The issue arose due to a processing error by my financial institution, XXXX XXXX, which failed to transmit my XXXX XXXX payments on time despite my proper scheduling and authorization. This was neither due to my negligence nor any action on my part. I have since received a formal letter from XXXX confirming their responsibility for the error and affirming that the payments were in fact timely authorized. 

Despite this evidence, the creditor has declined to adjust the reporting. As such, I am requesting the assistance of the Consumer Financial Protection Bureau to facilitate the immediate removal of these inaccurate entries from my credit report. These erroneous reports are not only unfairly damaging my credit score but also hindering my ability to apply for credit and financial services. 

I respectfully urge you to review the enclosed documentation, including a support letter from XXXX, and intervene to ensure that this reporting error is corrected as quickly as possible. 

Thank you for your time, attention, and assistance in helping to resolve this urgent matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: CO

Complaint narrative:
My personal and financial information was compromised without my authorization. The Family Education Rights and Privacy Act, ( FERPA ), protects the confidentiality of Student Records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and resulting compromise to my personal and financial information, I request that you immediately cancel and discharge my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: CO

Complaint narrative:
My personal and financial information was compromised without my authorization. The Family Education Rights and Privacy Act, ( FERPA ), protects the confidentiality of Student Records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and resulting compromise to my personal and financial information, I request that you immediately cancel and discharge my student loan debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: NJ

Complaint narrative:
The account isn't properly verified, as the original signed promissory note is lost. 
Under the FCRA, I'm requesting the account removal as the servicer has not provided proper documentation to verify the debt. 
This account balance can not be verified as accurate and consistent across all credit bureaus, and remains unresolved. I am demanding that it be deleted entirely from my credit file under FCRA 15 U.S.C. 1681i. 

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 non-monetary relief
Consumer complaint received 2025-05-03 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: NJ

Complaint narrative:
The account isn't properly verified, as the original signed promissory note is lost. 
Under the FCRA, I'm requesting the account removal as the servicer has not provided proper documentation to verify the debt. 
This account balance can not be verified as accurate and consistent across all credit bureaus, and remains unresolved. I am demanding that it be deleted entirely from my credit file under FCRA 15 U.S.C. 1681i. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-05-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: SC

Complaint narrative:
I logged into my Chime account in XXXX and received a notification that my account would be closed on a XX/XX/XXXX without any explanation. I've contacted Chike support several times and have requested information regarding the reason for the closure. The only explanation that I've received has been that a " policy or terms of the partner bank has been violated ". Chime claims that they don't have any additional information and that they can not stop the closure. The number that chime provided for the partner bank does not connect me with a person. Today, on XX/XX/year> when I contacted Chime again and requested the supposed reason for the account closure, I was given the same generalized answer. Once I informed them that it's not legal to close a consumer account without providing a specific, valid reason and then offering proof to the consumer and allowing the consumer the opportunity to refute the allegations, the Chime support claimed they didn't have any additional information. But once I revealed that my payroll deposits ( 75 % of each check ) come from my state government 's treasury office on behalf of a XXXX XXXX XXXX the representative suddenly changed his story to not being able to share the reason " for security purposes ''. I was also told that my concern could not be escalated to someone higher, someone who did have the ability to override this decision. Basically once the agent realized they I'm employed by a XXXX XXXX XXXX, he shut down and ended the call without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Subject : FCRA Violation Complaint Dear Consumer Financial Protection Bureau, I am filing a complaint against TransUnion Consumer Solutions for violations of the Fair Credit Reporting Act ( FCRA ), specifically XXXX ( 15 U.S.C. XXXXi ). Over XXXX days ago, I disputed inaccurate information on my credit report as allowed under XXXX ( a ), requiring investigation and correction within the prescribed time. 

Despite this, the disputed information remains uncorrected, in direct violation of the FCRA. This negligence continues to harm my credit and financial standing. I request immediate investigation and enforcement of compliance. 

Subject : Request for Immediate Resolution of FCRA Violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
Subject : FCRA Violation Complaint Dear Consumer Financial Protection Bureau, I am filing a complaint against XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ), specifically XXXX ( 15 U.S.C. XXXXi ). Over XXXX  days ago, I disputed inaccurate information on my credit report as allowed under XXXX ( a ), requiring investigation and correction within the prescribed time. 

Despite this, the disputed information remains uncorrected, in direct violation of the FCRA. This negligence continues to harm my credit and financial standing. I request immediate investigation and enforcement of compliance. 

Subject : Request for Immediate Resolution of FCRA Violations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: DE

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: Central Portfolio Control Inc.
State: SC

Complaint narrative:
I received unsolicited text messages from a company identifying themselves as Central Portfolio Control , Inc. attempting to collect a debt I know nothing about. I never received any phone call or mailed communication from them prior to this text, nor do I have any business relationship or knowledge of what debt they are referring to. 

The message failed to identify the amount of the alleged debt, the original creditor, or provide any of the required 30-day validation disclosures under the Fair Debt Collection Practices Act ( FDCPA 1692g ). 

They contacted me via text message without my prior consent, which violates FDCPA 1692c and Regulation Fs digital communication requirements. Additionally, by texting me without properly verifying my identity or mailing notice, they potentially exposed my private information to third parties. I consider this a direct violation of federal consumer law and a breach of my privacy. I have attached a screenshot of the text message as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-05-03 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:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an unauthorized access to my personal and student loan information on XX/XX/XXXX by individuals or entities associated with Dogecoin ( DOGE ) and XXXX XXXX. I believe this action constitutes a violation of my rights under the Privacy Act of 1974 and the Family Educational Rights and Privacy Act ( FERPA ). I am concerned that sensitive personal data, including information related to my student loans, has been improperly accessed or disclosed without my consent. This unauthorized access has negatively impacted my credit report and financial standing, and I believe these actions are in direct violation of federal law designed to protect personal and educational information. Details of the Incident : Unauthorized access to my student loan information at the Department of Education. Violation of the Privacy Act and FERPA. Impact on my credit report and overall financial well-being due to these actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX. Im filing a complaint regarding an unresolved XXXX XXXX dispute involving Wells Fargo ( my issuing bank ), XXXX XXXX XXXX XXXX XXXXXXXX XXXX partner ), and Visa ( the network processor ). 

On XX/XX/scrub>XXXX XXXX I mistakenly disputed several XXXX XXXX transactions. Wells Fargo filed a chargeback through Visa and issued provisional credit. Once I realized the transactions were legitimate, I contacted Wells Fargo to withdraw the dispute. They confirmed the claim was closed, denied, and withdrawn internally as of XX/XX/year>XXXX 

However, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX continues to report that the chargeback was never formally withdrawn through the Visa networks dispute resolution channel. Because of this, my XXXX XXXX account remains frozen, even though no fraud occurred and the matter was resolved on my end. 

XXXXXXXX XXXX has stated repeatedly that until they receive formal notification through the original Visa network portal, they will not release my funds. Wells Fargo maintains that the dispute was purged but has not confirmed if the correct withdrawal method was used or if Visa/XXXX XXXX were properly notified. 

Ive submitted multiple complaints and spoken with Wells Fargos ECMO team, most recently with representative XXXX. The situation remains unresolved due to Wells Fargos failure to communicate directly with XXXX XXXX back-office dispute team or to follow Visas formal chargeback withdrawal procedures. 

I respectfully request that the CFPB assist in ensuring that Wells Fargo : 1. Properly withdraws the chargeback via Visas original network, 2. Notifies XXXX XXXX XXXX  through the same portal used to initiate the dispute, 3. Ensures my XXXX XXXX account can be reinstated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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 filing a formal complaint regarding a collection account being reported by XXXX XXXX XXXX ( original creditor : XXXX XXXX ) on my Experian credit report. 
This account has been in collection status since XX/XX/XXXX, yet my credit report displays continuous monthly delinquencies from XX/XX/XXXXXXXX XXXX XXXX XXXX These red payment history markers suggest new missed payments each month, which is misleading and inaccurate. 
Under the Fair Credit Reporting Act ( 15 U.S.

Code 1681i ), information furnished to credit reporting agencies must be accurate and not misleading. Once an account has been sold to collections, it should not reflect ongoing missed payments as if it were still an active installment account.

I request that this payment history be corrected to remove the misleading delinquencies and that Experian and XXXX XXXX be held accountable for FCRA compliance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. CXXXXe XXXXb Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-05-03 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 explanation