vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: IL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report Dear Transunion, I am writing to formally dispute several inaccurate and inconsistent items on my Transunion credit report. The following accounts contain errors regarding balances, dates, account statuses, and payment history. I request a thorough investigation and correction of each of the accounts listed below, in compliance with the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX XXXX Account The number of days late is inaccurately reported differs from what is shown by the other major credit reporting agencies. The account status is incorrect. The opening date and closing date do not match my records and are inconsistent with other bureaus. Please investigate this account and ensure all information reflects my actual payment and account history. XXXX. XXXX XXXX XXXX ; XXXX Account The account status and closing status reported differs from what is shown by the other major credit reporting agencies. The account terms are not accurately reflected. The number of days late is reported differently from the other credit bureaus. I am requesting a removal of these accounts due to many violating the FCRA. FCRA violations 15 USC 1681e ( b ) Accuracy of information 15 USC 1681i ( a ) Reinvestigation of disputed information 15 USC 1681s-2 ( a ) Responsibilities of furnishers of information 15 USC 1681s-2 ( b ) Duty to correct and update information Please remove any information that can not be verified as accurate. I have included a copy of my government-issued ID and a utility bill for identity verification. Under the Fair Credit Reporting Act, I am requesting that the investigation be completed within 30 days and that I receive a written response detailing the results of your findings. Thank you for your prompt attention to this matter. Please contact me if you require any further documentation or clarification. 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 non-monetary relief
Consumer complaint received 2025-05-21 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 am having hard time finding an agent to fix my information on the credit report cause the information ls are incorrect like address name and work place and phone number I tried to contact them the robot refuses to let me in and its been a month

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 2025-05-21 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: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-05-21 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: FL

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
State: TX

Complaint narrative:
In early XXXX, my account with XXXX XXXX XXXX XXXX was closed by the bank. At the time of closure, there was a remaining balance of {$110.00}. Unfortunately, I was unable to access the account after it was closed, which prevented me from making a timely payment. 

As soon as I became aware of the balance, I contacted the bank and paid the full amount owed, including a small overpayment that brought the total to {$110.00}. The payment was made on XX/XX/year>. 

Despite paying the account in full, XXXX XXXX XXXX XXXX reported the account as defaulted to the credit bureaus. When I contacted them via online chat to request a XXXX XXXX or removal of the negative remark, I was informed that they report based on the account status and could not remove the default from my credit report. 

This negative mark is now affecting my credit history, even though the debt was settled and the delay in payment was due to lack of access to the closed accountnot unwillingness to pay. 

I am requesting that this situation be reviewed and that XXXX XXXX XXXX XXXX be asked to consider a XXXX XXXX  or updated reporting to reflect the account was paid in full and not maliciously neglected.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This account, SYNCB/CARE CREDIT ( XXXX ), is being reported on my credit file as a charge-off. I do not recognize this account and have no recollection of ever opening or maintaining an account with this company. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am formally requesting all documentation related to this account, including : The original signed agreement or application, A complete payment history, Any correspondence sent to notify me of the charge-off status, And any other relevant records used to verify and report this account. 

Additionally, the payment history being reported is inaccurate and inconsistent, and it does not comply with FCRA guidelines. The discrepancies in payment history and date last active further undermine the credibility of this accounts reporting. 

Based on the lack of verification and the reporting errors, I am requesting that this account be immediately removed from my credit report.

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 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
This complaint is in addition to another XXXX, the company did not provide proof of my explicit consent to enroll in overdraft protection, no signature or even implied consent they are in violation of the electronic fund transfer act they can not and will not be able to prove the consent. They should be fined and removed from XXXX, XXXX down and removed from service in all states.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent a letter by mail to Experian on XX/XX/year>. They responded XX/XX/year> that they received a letter NOT sent by me. This is the way they play games with every single letter I send them. I will be uploading the same letter I sent to them by mail through the CFPB portal, lets see if they now respond that it was not sent by me. I also have another complaint against Experian that I filed on XX/XX/year> to which I am still waiting for them to respond to the CFPB, though I did file that complaint 43 days ago. I copied and pasted below what Experian responded : XXXX XXXX XXXX XXXX We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free.

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 2025-05-21 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: Experian Information Solutions Inc.
State: CA

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

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-05-21 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: NC

Complaint narrative:
My identity was stolen and someone opened up an account with self and other self accounts. Also with XXXX XXXX XXXX  I found aMy identity was stolen and someone opened up an account with self and other self accounts. Also with XXXX XXXX XXXX  I filed a ftc report and police report I need this removed 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 non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Ive disputed this account before, but the issues were not corrected. Im now asking for the procedures you followed during your investigation. If I dont receive this within 15 days, the inaccurate accounts should be deleted. See the attached letter for details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/year> my minimum balance due was XXXX I paid XXXX out my bank account and used my cashback of XXXX to make the payment XXXX. I received a missed payment email on XX/XX/year>. I called Discover and spoke XXXX and he stated that I was short XXXX dollars. I stated that is not a missed payment if I paid on the balance. He stated it is a missed payment. I requested the brochure be emailed to me that would have in writing what is define I missed payment. XXXX said he would not do that. I asked to speak to a manager and he stated no. He is the only person I can talk to. I want in writing to what was define as a missed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Applied for a credit card with Capital One. Was approved the the card, used it for several months. All of a sudden without notice, my account was restricted. I could not use credit card or access any funds from any of my Checking or Saving account. Called capital one and they asked me to submit documents for proof of ownership. Even after submitting it and waiting for over 2 days, they haven't done anything. They says they take up to 10 business days for the verification to be completed. Until then, I do not have access to my funds or cards to pay for my daily necessities...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: VA

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 XXXX  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 2025-05-21 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: GA

Complaint narrative:
I am requsting the items listed in the reprt be eliminated frm my file. The items I wish eliminated are notd in the report. I was a victim of identity theft and did not authorze the charge. I am requesting the items be eliminated in an effort to remove the items from my credit report. I proptly reported my identity theft problem to the Federal Trade Commission and am providing photocopies of the Federal Trade Commission 's Affidavit for Identity Theft. Eliminate the items at your earliest convenience.

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 2025-05-21 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: GA

Complaint narrative:
I am requsting the items listed in the reprt be eliminated frm my file. The items I wish eliminated are notd in the report. I was a victim of identity theft and did not authorze the charge. I am requesting the items be eliminated in an effort to remove the items from my credit report. I proptly reported my identity theft problem to the Federal Trade Commission and am providing photocopies of the Federal Trade Commission 's Affidavit for Identity Theft. Eliminate the items at your earliest convenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I sent letters via certified mail I contacted them on telephone she said it was verified and it was staying on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX [ Email Address ] [ Phone Number ] Date : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Debt Validation Request under FDCPA and Illinois Law Dear XXXX XXXX XXXX, This letter is in response to a collection notice and/or credit report entry regarding an alleged debt you claim to own. I do not acknowledge this debt and, under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Illinois Collection Agency Act ( 225 ILCS 425 ), I am formally requesting full validation of the debt.

Please provide the following documentation : A detailed, itemized statement showing how the alleged balance was calculated.

A copy of the original signed agreement bearing my signature.

Documentation proving the chain of title/assignment showing your legal authority to collect.

Proof of your active license to collect debt in Illinois, including your license number.

The name and address of the original creditor, including date of default and charge-off.

Until this information is provided, cease all collection efforts, including reporting to credit bureaus. Reporting unverifiable debt may violate both the FDCPA and the Fair Credit Reporting Act ( FCRA ). If the debt is already reported, you are required under 15 U.S.C. 1692e ( 8 ) to mark it as " disputed. '' If you can not validate the debt, you must cease all collection activity and remove any related credit reporting.

Thank you for your prompt attention. I expect a full response within 30 days as required by law. 

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 non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have been a customer of Wells Fargo Bank since XXXX. I also have a mortgage with them originating in XXXX. I contacted Wells Fargo when there were suspicious charges on my account back in XX/XX/XXXX. There were 375 charges totaling {$9000.00} to a gaming app. I am a XXXX XXXX XXXX  living on a fixed income and this amount drained my bank account. I can not pay any of my bills. I filed a fraud claim but it was denied because Wells Fargo claims the charges were authorized. I demanded proof. They never provided proof of any kind but denied it. I have never had excessive amounts withdrawn from my account. I would not authorize any company to withdraw all the money I have from my account. 375 transactions from my acccount from one company should have been alarming. I am trying to pay off my home mortgage. I have good credit but the lender will not approve the loan because I am now 30 days behind in my mortgage. I spent 2 hours in my branch office so they could file the complaints for me. I think the excessive amount of withdraws from one company and from an account that had limited funds anyway, should have been alarming to Wells Fargo. I have been a customer for almost 50 years and feel like Wells Fargo is not helping me resolve this situation.

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 2025-05-21 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: NJ

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief