vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: MI

Complaint narrative:
I intended to make a purchase with the site XXXX XXXX XXXX XXXX  The site requires customers to use the Wise App to convert and then transfer USD into XXXX XXXX. On XX/XX/year>, I transferred XXXX USD using the app and was subsequently notified that the exchange rate had changed and my money no longer covered the full amount. I was given the option to cancel and did. The app stated it would take 3-5 business days to see my money return to the XXXX card that was used. I placed 3 separate calls to customer service and was met with 3 separate lies and ultimately gaslit into believing the issue was my * lack of patience *. Even the XXXX listed their number as " scam likely ''. ( EXCUSE 1 ) : The process actually takes 10 business days instead of the 3-5 written on the app!! ( EXCUSE 2 ) : Ma'am, your transaction was * actually * processed on XX/XX/year>, therefore, 10 BUSINESS DAYS HAS YET TO PASS. ( EXCUSE 3 ) : You must wait until the end of the day & hope there are no foreign holidays to delay the refund. I waited from XX/XX/year> to XX/XX/year>, only to be told that " there was nothing they could do, except email me a letter that I should present to the bank as proof of refund. '' I was given no answer when I asked if they could reach out to my bank to settle what THEY STARTED. Result = After 10 business days spread across 2 months, 3 calls, 4 representatives in 4 different outsourced call centers, and 62 total minutes wasted on the phone, I never received a single letter via email. I never received any concrete explanation as to what exactly happened to my money in the refunding process. I never received my XXXX USD. I wasn't even properly notified of the mishap or placed on the line with a higher up supervisor to discuss the issue. This company is known for this very crime. A quick XXXX search showed that they are notorious for making the refund process as complicated, drawn out and mysterious as possible ( in the hopes that customers become frustrated and abandon the endeavor ). They must be sued until this stops. I smell a class action lawsuit brewing for them!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Ct XXXX, NC XXXX XX/XX/year> Experian XXXX Department XXXX. XXXX XXXX XXXX, TX XXXX To Whom It May Concern : Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of XXXX XXXX. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required topromptly DELETE all information which can not be verified. 

I demand the following accounts be verified or deleted immediately : XXXX. The Date Reported is Wrong FAMILY TRUST Account # : XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report XXXX. The Date Opened is Wrong XXXX  Account # : XXXX Please remove it from my credit report XXXX. The Date of Last Activity is Incorrect XXXX Account # : XXXX XXXX XXXX XXXX  Please remove it from my report XXXX. The Date of Last Activity is Incorrect XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my report XXXX. The Date of Last Activity is Incorrect Thank you for your time and help in 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 explanation
Consumer complaint received 2025-08-07 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: GA

Complaint narrative:
Earlier today, I noticed that some false accounts appeared on my credit report for no apparent reason. I do routine checks and have never seen these before. I refreshed my browser thinking it was just a system glitch, but that didn't fix anythingthe inaccurate accounts were still there. I am now requesting that the documents I submitted be thoroughly reviewed so I can finally have peace of mind.

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 2025-08-07 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: TX

Complaint narrative:
I recently viewed a copy of my credit report, i have fraudulent activity.

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 2025-08-07 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: TX

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: AL

Complaint narrative:
Subject : XXXX, Transunion, and XXXX Re-Reporting of Removed Bankruptcy and Inaccurate Mortgage Delinquency ( Violations of FCRA and Bankruptcy Code ) To the CFPB, I am filing this complaint against XXXX, Transunion, and XXXX  for violations of the Fair Credit Reporting Act ( FCRA ) and relevant provisions of the U.S. Bankruptcy Code. XXXX, Transunion, and XXXX  is unlawfully reporting inaccurate and previously deleted information on my credit report without proper validation, notice, or legal justification. 

1. Inaccurate Mortgage Delinquency Reporting XXXX is inaccurately reporting my mortgage as delinquent. This is false and misleading because : I was under XXXX XXXXXXXX bankruptcy protection, then granted a COVID-19 forbearance, and, filed XXXX  XXXX bankruptcy which was discharged. I am now in an active loan modification, having completed the required 3 trial payments. 

Reporting this as delinquent violates : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy 11 U.S.C. 524 ( a ) ( 2 ) A discharge injunction prohibits attempts to collect or report debts discharged in bankruptcy as delinquent 2. Reinsertion of Deleted Bankruptcy Without Notice My bankruptcy was removed from XXXXXXXX XXXX, and TransUnion after I submitted a verification letter from the U.S. Bankruptcy Court, XXXX XXXX XXXX Alabama. Nearly 18 months later, it has reappeared on my reports without any notice, validation, or dispute notification.

This violates : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Prohibits reinsertion of deleted data unless certified as accurate and consumer is notified within 5 business days 11 U.S.C. 525 ( a ) Prohibits discriminatory treatment due to bankruptcy status I never received written notice, dispute results, or any certification of accuracy. The reinsertion of a previously deleted bankruptcy is illegal, harmful, and must be corrected immediately.

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 2025-08-07 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: AL

Complaint narrative:
Subject : XXXXXXXX XXXX  and Experian Re-Reporting of Removed Bankruptcy and Inaccurate Mortgage Delinquency ( Violations of FCRA and Bankruptcy Code ) To the CFPB, I am filing this complaint against XXXX, XXXX and Experian for violations of the Fair Credit Reporting Act ( FCRA ) and relevant provisions of the U.S. Bankruptcy Code. XXXX, XXXX and Experian is unlawfully reporting inaccurate and previously deleted information on my credit report without proper validation, notice, or legal justification. 1. Inaccurate Mortgage Delinquency Reporting XXXX is inaccurately reporting my mortgage as delinquent. This is false and misleading because : I was under XXXX XXXX bankruptcy protection, then granted a COVID-19 forbearance, and, filed XXXX XXXX bankruptcy which was discharged. I am now in an active loan modification, having completed the required 3 trial payments. Reporting this as delinquent violates : 15 U.S.C. 1681e ( b ) Failure to
maintain reasonable procedures to ensure maximum possible accuracy 11 U.S.C. 524 ( a ) ( 2 ) A discharge injunction prohibits attempts to collect or report debts discharged in bankruptcy as delinquent 2. Reinsertion of Deleted Bankruptcy Without Notice My bankruptcy was removed from XXXX, Experian, and XXXX after I submitted a verification letter from the U.S. Bankruptcy Court, XXXX XXXX XXXX Alabama. Nearly 18 months later, it has reappeared on my reports without any notice, validation, or dispute notification. 

This violates : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Prohibits reinsertion of deleted data unless certified as accurate and consumer is notified within 5 business days 11 U.S.C. 525 ( a ) Prohibits discriminatory treatment due to bankruptcy status I never received written notice, dispute results, or any certification of accuracy. The reinsertion of a previously deleted bankruptcy is illegal, harmful, and must be corrected immediately.

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 2025-08-07 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: FL

Complaint narrative:
This is my third follow up complaint attempt to resolve a matter concerning the reporting of information and/or items on my credit report that I believe may have been accessed or added without proper authorization, as required under FCRA 604 ( a ) 15 U.S.C. 1681b ( a ).

As per the Fair Credit Reporting Act, no one is allowed to access or report to my credit file without a legally permissible purpose. I am formally requesting that you provide clear documentation showing that the party or parties responsible for this Items had a valid reason to access or report on my file.

If you can not provide tangible evidence of this permissible purpose, I am requesting the immediate deletion of the disputed Items from my credit report. Continued reporting of unverifiable or unauthorized information violates my consumer rights under federal law. 
Items Disputed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: FL

Complaint narrative:
This is my third follow up complaint attempt to resolve a matter concerning the reporting of information and/or items on my credit report that I believe may have been accessed or added without proper authorization, as required under FCRA 604 ( a ) 15 U.S.C. 1681b ( a ).

As per the Fair Credit Reporting Act, no one is allowed to access or report to my credit file without a legally permissible purpose. I am formally requesting that you provide clear documentation showing that the party or parties responsible for this Items had a valid reason to access or report on my file.

If you can not provide tangible evidence of this permissible purpose, I am requesting the immediate deletion of the disputed Items from my credit report. Continued reporting of unverifiable or unauthorized information violates my consumer rights under federal law. 
Items Disputed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Dear Midland Credit Mngmt ; I am filing a complaint regarding a debt collection account that appears on my credit report without my knowledge or consent. I have no relationship with the company reporting this debt and was never notified or contracted with the original creditor. I dispute the validity of the alleged debt and formally request an investigation. 
Under my rights granted by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have demanded full validation of the debt, including : * A signed contract or agreement bearing my signature * A full itemized accounting of the debt * Proof of legal assignment or ownership * The Forward Flow Agreement showing what documents were transferred * Proof of the collectors license to collect in my state If these can not be provided, the debt is unverifiable and must be deleted. Continuing to report an unverified, disputed debt violates FCRA 1681e ( b ), 1681s-2 ( b ) and may result in liability under FCRA 1681n and FDCPA 1692k.

Furthermore, I submitted a cease and desist notice under FDCPA 805 ( c ) / 15 U.S. Code 1692c ( c ). Any continued contact without proper validation is considered harassment and a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: Nelnet, Inc.
State: TX

Complaint narrative:
I have several student loan accounts. XXXX of them I believe. The balances range from $ XXXX {$6000.00} plus. Historically I have always made payments on or before the due date without fail. I do not recall exact dates but on multiple occasions over the past couple months Ive attempted to submit payment via Nelnets online portal. On these occasions the website has been down and I get a message in red stating an unexpected error has occurred, please try again later. Unfortunately I do not have exact dates however when I spoke with the customer service rep over the phone I requested the dates and times that their system was unavailable only to be told that she could not provide that information. For this reason and this reason alone I missed a payment which has now caused my XXXX XXXX to drop nearly XXXX points overnight. I attempted to call them directly as well as dispute via transunion, XXXX XXXX XXXX with no luck. Im out of options at this point. XXXX of the balances has been closed, the other XXXX accounts have been made current. Please help me get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: WA

Complaint narrative:
I am reporting identity theft involving a XXXX XXXX credit card account opened fraudulently on XX/XX/XXXX. The account was charged off with a {$730.00} balance, which I did not authorize or use. A payment was reported on XX/XX/XXXX, which I did not make. I contacted XXXX XXXX to dispute the account and filed an FTC Identity Theft Report. Additionally, I discovered unauthorized hard credit inquiries on XX/XX/XXXX and XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX by XXXX XXXX XXXX, on XX/XX/XXXX by XXXX XXXX XXXX, and on XX/XX/XXXX by XXXX XXXX. I did not apply for credit with any of these companies. I have placed fraud alerts and am requesting that the account and inquiries 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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am reporting identity theft involving a XXXX XXXX credit card account opened fraudulently on XX/XX/XXXX. The account was charged off with a {$730.00} balance, which I did not authorize or use. A payment was reported on XX/XX/XXXX, which I did not make. I contacted XXXX XXXX to dispute the account and filed an FTC Identity Theft Report. Additionally, I discovered unauthorized hard credit inquiries on XX/XX/XXXX and XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX by XXXX XXXX XXXX, on XX/XX/XXXX by XXXX XXXX XXXX, and on XX/XX/XXXX by XXXX XXXX. I did not apply for credit with any of these companies. I have placed fraud alerts and am requesting that the account and inquiries 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 2025-08-07 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: MI

Complaint narrative:
I submitted a formal dispute to the credit bureau, along with all documentation required under federal lawincluding a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Bseeking the prompt removal of fraudulent information from my credit report. Despite full compliance with these statutory requirements, the bureau failed to block the disputed information within the four-business-day period mandated by law. I respectfully request that the CFPB investigate this clear violation of the Fair Credit Reporting Act and take appropriate enforcement action to ensure the permanent deletion of the fraudulent data. Enclosed are copies of my dispute letter and all supporting documentation for your review.

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 2025-08-07 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: FL

Complaint narrative:
Given the unresolved contradictions and lack of documentation, I am demanding immediate deletion of this account from my credit report. The information currently reported can not be verified and is materially misleading, and its continued reporting constitutes willful non-compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I WANT THESE FRAUDULENT XXXX  INQUIRIES BLOCKED AND REMOVED FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: SC

Complaint narrative:
Under 15 U.S.C. 1681b ( f ), any access to a consumer 's credit file must be made with a legally defined permissible purpose. No such permissible purpose exists for the inquiries listed below, nor have I conducted business or given written authorization to any of these entities. Your continued reporting of these inquiries constitutes : UNAUTHORIZED INQUIRIES TO BE REMOVED IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation