vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute the inaccurate reporting practices of XXXX as reflected in my credit reports from the XXXX major credit bureaus ( Experian, XXXX, and XXXX ). I have identified several discrepancies which raise concerns about the accuracy and integrity of the information being reported. The details of my complaint are as follows : XXXX. Inconsistent Account Dates : The date opened and last activity dates for my account with XXXX differ significantly across the credit bureaus. This inconsistency undermines the credibility of the accounts history and negatively impacts my credit profile. 
2. Missing Payment History Data : The account fails to display any payment history, making it impossible to verify whether payments have been made as agreed. The absence of payment data does not allow a clear and fair assessment of my credit behavior. 
XXXX. XXXX XXXX with XXXX XXXX : Despite being reported as a charge-off, the account still shows an unpaid balance. Generally, once a charge-off is determined, the balance should either reflect accurate collection or settlement information. This discrepancy creates confusion regarding the status of the debt.

4. Conflicting Bureau Comments : The comments attached to the account vary across credit bureaus. Some reports label the account as refinanced, others as charged off, and some even indicate collection. Such conflicting descriptions contribute to the misinformation being disseminated to creditors and negatively affect my credit 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 2025-04-11 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: VA

Complaint narrative:
With the dismantling of the XXXX my promissory note is null and void as it was an agreement made with the XXXX  and not an agreement made with XXXX XXXX XXXX. 

With my student loans being moved and the federal government breaking the agreement, my credit report should not reflect the student loans.

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 2025-04-11 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: VA

Complaint narrative:
With the dismantling of the XXXX  my promissory note is null and void as it was an agreement made with the XXXX  and not an agreement made with XXXX XXXX XXXX. 

With my student loans being moved and the federal government breaking the agreement, my credit report should not reflect the student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
With the dismantling of the DOE my promissory note is null and void as it was an agreement made with the DOE and not an agreement made with Small Business Administration. 

With my student loans being moved and the federal government breaking the agreement, my credit report should not reflect the student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX 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 non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am reaching out to formally dispute the inclusion of a XXXX  that has been inaccurately reported on my credit file. I have obtained an official letter directly from the court, which clearly states that this XXXX  should not be reported to the credit bureaus under any circumstances. Despite this clear directive, the record still appears on my report, which is both misleading and damaging to my credit profile. To make matters worse, there is evidence that an unauthorized third party is involved in this situation. This not only compromises the integrity of the information being reported but also raises serious concerns about the security and handling of my personal financial data. The presence of this third party further invalidates the accuracy of this entry and highlights the urgency with which it must be addressed.

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 2025-04-11 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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$670.00}, XXXX XXXX XXXX XXXXalance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00} & XXXXXXXX XXXX XXXX XXXXXX/XX/year> 2023

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 2025-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
XXXX  has arbitrarily restricted my accounts ability to send, receive, or add funds, despite the account being in good standing : it is active, shows a positive balance, and is neither frozen nor flagged for any terms-of-service violations. I have not been notified of any breach or misuse, nor has any justification been provided for the limitation of services. 

Upon contacting XXXX  support, I received vague, non-substantive responses that failed to cite any specific policy, legal basis, or investigatory findings. Their refusal to disclose the reason for the restrictiondespite repeated inquiriesconstitutes a lack of transparency and due process. They simply stated they " can not tell me why, '' which is not only insufficient but contradicts fair consumer treatment standards. 

This lack of explanation impedes my lawful access to personal funds and may constitute an unfair and deceptive business practice under the CFPBs UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) guidelines. I request a full investigation into XXXX practices, and demand that they provide a specific, legally valid reason for restricting access to a verified, non-fraudulent, and compliant account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: CA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against XXXX XXXXXXXX XXXX XXXXXXXX for willfully reporting inaccurate and misleading information on my credit report regarding an account. Despite clear evidence demonstrating that the account was charged off, paid in full, and the debt discharged, XXXX XXXXXXXX XXXX XXXX continues to report this account as delinquent with a balance of {$4500.00}. This conduct is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681n, which establishes liability for willful noncompliance. 

Background : XXXXXXXX XXXX XXXX XXXXXXXX Account Details : Account Number : XXXX Reported Balance : {$4500.00} Status on Credit Report : Charge-off Charge-off Documentation : The charge-off amount of {$4500.00} was an internal charge-off, for which XXXXXXXX XXXX XXXX XXXXXXXX received a tax benefit under " bad debt '' ( refer to IRS Publication 535, Chapter 10 ). 

As noted in XXXXXXXX XXXX XXXX XXXXXXXX, a creditor who issues a charge-off may trigger a mandatory duty under IRS regulations to file a 1099-C form, resulting in tax consequences. 

XXXXXXXX XXXX XXXX XXXXXXXX Actions : Despite my submission of supporting documentation, XXXX XXXXXXXX XXXX XXXXXXXX continues to report this account with a delinquent balance and status. 

The continued reporting of this account as a charge-off after the debt was written off and a tax benefit received is not only inaccurate but unfairly affects my credit profile. 

Legal Violations : Violation of 15 U.S.C. 1681e ( b ) : XXXX XXXXXXXX XXXX XXXX is required to follow reasonable procedures to assure maximum possible accuracy of the information it reports. The continued reporting of this account as a charge-off violates this statutory duty. 

Violation of 15 U.S.C. 1681i ( a ) : XXXX XXXXXXXX XXXX XXXXXXXX is obligated to conduct a reasonable investigation of disputed information. My experience with XXXX XXXXXXXX XXXX XXXXXXXX failure to correct this inaccuracy indicates willful negligence. 

Violation of 15 U.S.C. 1681n : XXXX XXXXXXXX XXXX XXXXXXXX willful noncompliance with the FCRA entitl

es me to statutory damages of {$1000.00}, as well as potential punitive damages for the harm caused by their inaccurate reporting. Harm Caused : The inaccurate
reporting of this account has significantly harmed my creditworthiness, leading to : Potential denials of financial products. 

Increased stress and reputational damage. 

Time and resources spent disputing these inaccuracies. 


Thank you for your time and attention to 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 non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received a letter from a debt collection law firm claiming I owed a balance on a credit card. On XX/XX/year>, I sent a written request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). In response, the company only provided a bank statement no contract, no proof of assignment, and no itemization of charges. 

Shortly afterward, I discovered that the company had filed a lawsuit against me in XXXX XXXX XXXX XXXX without first properly validating the debt as required. As of today, I have not been served with the lawsuit, but I found the case online. This feels like an attempt to intimidate me into default without giving me a fair opportunity to verify or dispute the debt. I believe my consumer rights were violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: MO

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 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 2025-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing this formal complaint against Wells Fargo ( hereafter Wells Fargo ) for : - Illegally continuing to collect payments on credit card accounts that have been securitized and sold into a trust ; - Repeatedly refusing to validate the debt as required under federal law ; - Continuing to report derogatory, inaccurate information to credit bureaus ; - Failing to provide legally mandated documentation concerning the transfer and securitization of my accounts ; - Causing significant damage to my credit score and financial reputation.

Accounts in Question - Account ending in XXXX Chronology of Correspondence XX/XX/XXXX : Sent first certified letter demanding validation under the Truth in Lending Act ( TILA ) and a cease in adverse credit reporting under the Fair Credit Reporting Act ( FCRA ). 
XX/XX/XXXX : Sent second certified letter requesting full securitization and tax-related documents under TILA, the Securities XXXX XXXX of XXXX, the Dodd-Frank Act, and the Internal Revenue Code. 
XX/XX/XXXX : Sent third certified notice explaining that Wells Fargo Bank has no legal authority to collect on the account post-transfer into the XXXX Card Issuance Trust, per the official XXXX Prospectus. 
XX/XX/XXXX : Sent fourth and final letter reiterating XXXX XXXX lack of legal authority and citing state and federal laws they are violating. I demanded a written response within 10 days. No such response has been received. 
Violations of XXXX XXXX. FDCPA XXXX XXXX. XXXX : No validation of debt was provided despite multiple written requests. 
XXXX. FCRA 15 U.S.C. 1681s-2 : Wells Fargo continues to furnish negative credit information while the debt is in dispute. 
XXXX. TILA 15 U.S.C. 1601 et seq. : Failure to disclose full terms, securitization, and ownership changes. 
XXXX. Securities Exchange Act 15 U.S.C. 78m : Failure to disclose sale of receivables and continued misrepresentation of ownership. 
XXXX. Internal Revenue Code 26 U.S. Code 7201 : Possible tax evasion through collection on non-owned receivables. 
XXXX. Florida Statutes 559.72 ( 9 ) : Attempting to collect on known illegitimate debt. 
XXXX. Florida Statutes 817.41 : Misleading representations about ownership and servicing. 
Key Evidence - Prospectus Dated XX/XX/XXXX ( SEC Form XXXX XXXX Card Issuance Trust ) proving the receivables were sold. 
- Copies of all four certified letters.

- Green return receipts. 
- Recent credit reports with late payment notations post-dispute.

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 2025-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: AC AutoPay LLC, Denver, CO Branch
State: GA

Complaint narrative:
I did an application with Autopay on XXXX XXXX platform. It gave me several option to refinance my car with automobile financing companies at XXXX XXXX to get me to apply.. I sent in the required documents to Autopay to refinance. Once receiving the documents my credit report received several inquiries from other companies and received a denial letter asking me to put down {$8000.00} to be approved for a loan to refinance my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: TN

Complaint narrative:
I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9100.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

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 2025-04-11 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
In 2024 I received an offer from AMEX for a credit card. AMEX pulled my credit and stated they needed additional information. AMEX requested me to send them form XXXX from the IRS to XXXX my annual income which I did. I received a notice from them XX/XX/year> stating " we need to confirm your total annual income. Please complete the enclosed XXXX form ( Request for Tax Transcripts ), which will allow us to retrieve your personal tax transcripts. On XX/XX/year> I received another notice which read, " Thank you form providing your XXXX form. ( Notice it says T instead of XXXX The never asked me to send the from XXXX The specifically said XXXX ) Unfortunately, we have not been able to verify your income history with IRS. As a result, we are unable to approve your XXXX application at this time. You did everything right, and we're sorry for the inconvenience. '' I responded with certified mail pleading my case. The XXXX  numbers for the responses I sent are : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. After months of back and forth, on XX/XX/year> AMEX sent a notice stating, " We are writing to follow up on a recent conversation and let you know that, unfortunately, we're unable to approve your request at this time.

Company response to consumer: Closed with explanation