vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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: LA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-03-31 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/year> To : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Subject : Complaint Against Wells Fargo for Unresolved Fraudulent Charges Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Wells Fargo Bank regarding unauthorized and fraudulent charges made to my account, which the bank has failed to resolve despite my longstanding history and repeated efforts to address the issue. 

I am a XXXX XXXX XXXXXXXX XXXX  veteran with XXXX XXXX and XXXX. I am also XXXX XXXX retired, and living on a fixed income. I have been a loyal Wells Fargo customer for over 30 years, receiving direct deposit of all my VA and XXXX, XXXX XXXX pensions, and I have never missed a payment or defaulted on any loan with them. 

Recently, I discovered fraudulent charges on my Wells Fargo account. I followed their procedures for disputing these charges, but Wells Fargo denied my claim without a legitimate explanation. I was also XXXX XXXX XXXX XXXXXXXX at the time and under the influence of XXXX XXXX, further compromising my ability to track my finances closely. 

I believe Wells Fargo is not acting in good faith and is attempting to hold me responsible for charges I did not authorize. This situation has caused me intense emotional distress and has put my financial stability at serious risk. I believe their actions are not only unethical but potentially discriminatory given my age, service-connected XXXX, and mental health condition. 

I am requesting your immediate investigation into this matter and assistance in getting Wells Fargo to reverse these fraudulent charges. I can provide documentation of my identity, medical conditions, military status, and all correspondence related to this dispute upon request. 

Thank you for your time and attention to this matter. I look forward to your help in reaching a fair and just resolution. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: IL

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: MD

Complaint narrative:
After having reviewed my credit report, I noticed there are some incorrect late payments reporting on my consumer report. It is imperative that the complete accuracy of what us reported has no errors. I have never missed a payment on the following account 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 2025-03-31 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: TX

Complaint narrative:
I am disputing a collection account reported by XXXX that is not mine. I have requested debt validation from XXXX, but they have failed to provide any verifiable proof that the debt is my responsibility. Despite this, the inaccurate account continues to be reported on my credit reports by XXXX, XXXX, and TransUnion.

The continued reporting of this unverifiable account has caused significant harm to my credit score, specifically a reduction of XXXX points. As a result, I am requesting that this inaccurate account be completely removed from all three credit bureaus, and that my credit score be restored to its original level before the erroneous report was made. Under the Fair Credit Reporting Act ( FCRA ), information that is inaccurate or unverifiable must be deleted, and I believe that the removal of this account will restore the accuracy of my credit report and my score.

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 2025-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I have previously disputed this account, with inaccurate report by Barclay Bank Delaware. Although I have attempted to resolve this account only to learn Barclay has been falsely reporting to all 3 credit bureaus despite having ownership of this account.

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 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I issued two checks in the amount of {$5000.00} and XXXX ( XX/XX/XXXX XXXX ) to two different recipients and the checks were deposited to their account. I received this confirmation of funds being deposited into their account and closed the account afterwards. 

Recipients informed me that deposited funds were taken back by Citi bank..I called the Citi bank and they told me that I will be sent a check for this amount via mail in 10-15 business days. I was constantly reassured that check was on its way until XXXX XXXX when I was informed that check was unable to be delivered for reason unknown to them. 
I get all the other promotional mails from Citi but never received my check. 
I called them multiple times to request a new check and they provided me with a reference number for a new check that they were going to process.

I followed up with Citi about the new check and they seem to be clueless as they don't apparently have any information .I need my money back that they pulled back for the checks I issued to others and never refunded it. 

I called them multiple times regarding this issue and continue to hear different stories about my outstanding checks that's frustrating me at this point as it's huge amount that I need asap.

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 monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: PA

Complaint narrative:
I have two federal loans with balances left, and all I need to do is make two payments to get these loans discharged. I have called and asked when income based repayments will begin, so I can make those two payments. However, no definitive answers are received and every time it seems like repayments will begin, litigation postpones repayments longer. The only option I was given was to change my payment plan to an extremely high and unaffordable payment plan. I finally thought there may be some relief in XXXX through the Public Service Loan Forgiveness Reconsideration program, but after all of the Department of Education layoffs I have been left in limbo about what is going to happen next with my student loans. As a XXXX XXXX who has given my career to helping others, this is disgraceful and unfair for those of us who have spent years making lower salaries for the betterment of others!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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:
I am sending this complaint to request the correction of an account in my file that reflects negative remarks. I see that Equifax have already corrected the account by removing the negative remarks and updating it to positive, for which I am very thankful. Please correct the remaining account in Equifax from my credit file. Below are the details of the account I would like you to help me correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
Cease and Desist Communication - Collection Activity and Credit Reporting To Whom It May Concern, Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), this letter serves as formal notice demanding that Aldous and Associates immediately cease and desist all communications and collection activities related to the account originally held by XXXX XXXX. 

This notice specifically includes any further reporting or updating of this account information on my credit report. Please note that credit reporting is considered a form of communication under 15 U.S.C. 1692c ( c ).

Any violation of this request will be considered an infringement of my rights under the FDCPA, and I will pursue all available legal remedies to protect those rights. 

Please confirm in writing that you have ceased all collection activities and further communications concerning this matter. 

Thank you for your immediate attention to this request. 

Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-31 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: AR

Complaint narrative:
I want to remove all inaccurate information off my account including accounts. 

See accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-03-31 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: AR

Complaint narrative:
I want to remove all inaccurate information off my account including accounts. 

See accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXXXXXX XXXX XXXX XXXXXXXX Balance {$1100.00} These accounts has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: CA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by XXXX  as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA.

Legal Precedent : 1.Parker v. Time Warner Entertainment Co. L.P. , 331 F.3d 13 ( 2d Cir. 2003 ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process.

2.Sarver v. XXXX XXXX XXXX XXXX XXXX XXXX 390 F.3d 969 ( 7th Cir. 2004 ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report.

3.Henson v. Santander Consumer USA , Inc. , 2017 U.S. Dist . LEXIS 191143 ( E.D. Va. 2017 ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX & XXXX XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
Ive been seeing this CASHNETUSA on my credit reports for years now. I am unsure where it came from because I never used them before.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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:
Subject : Formal Complaint Regarding Unverified Late Payments XXXX XXXX XXXX  account ending XXXX! 

Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding inaccurate late payment reporting on my credit file by XXXX XXXX. I have disputed these late payments directly with both the credit bureaus and XXXX XXXX under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, which requires furnishers of information to ensure accuracy and provide verification upon dispute. 

Despite my disputes, XXXX XXXX has failed to provide any proof or documentation substantiating these late payments. Under the FCRA, if a creditor can not verify the accuracy of reported information, it must be corrected or removed. Since no proof has been provided, I am requesting that these late payments be removed from my credit report immediately. 

I request that the CFPB investigate this matter and ensure compliance with federal law. I have attached copies of my dispute letters and any responses received. Please let me know the next steps regarding this matter.

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 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Cease and Desist Communication - Experian Credit Agency is illegally reporting a Child Support Enforcement Collection Activity To Whom It May Concern, Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), this letter serves as formal notice demanding that XXXX and XXXX immediately cease and desist all communications and collection activities related to the account originally held by XXXX XXXX. 

This notice specifically includes any further reporting or updating of this account information on my credit report. Please note that credit reporting is considered a form of communication under 15 U.S.C. 1692c ( c ).

Any violation of this request will be considered an infringement of my rights under the FDCPA, and I will pursue all available legal remedies to protect those rights.

Please confirm in writing that you have ceased all collection activities and further communications concerning this matter.

Thank you for your immediate attention to this request.

Respectfully,

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