vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-24 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information Regarding Closed Accounts with Late Payments Dear TransUnion, I am writing to formally dispute certain entries on my credit report related to closed accounts that are inaccurately reported as having late payments. These entries are negatively affecting my credit history, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Specifically, the accounts listed XXXX - XXXX - This is paid as agreed and should not be reporting negatively on my report.are closed but still show late payments. These reports are unjust and create significant obstacles to accessing credit and financial opportunities.

FCRA Sections Supporting My Dispute : 15 U.S.C. 1681i ( a ) : Reinvestigation of Disputed Information Under this section, I am entitled to request a reinvestigation of the accounts. If the late payment history can not be verified as accurate, these entries must be removed from my credit file.

15 U.S.C. 1681e ( b ) : Accuracy of Information The law requires credit bureaus to maintain reasonable procedures to ensure maximum accuracy. Reporting late payments on closed accounts without proper verification violates this obligation.

15 U.S.C. 1681c ( a ) : Obsolete Information Late payment information on closed accounts, especially if outdated or unverifiable, should no longer appear on my credit report.

15 U.S.C. 1681s-2 ( a ) : Responsibilities of Furnishers Creditors and data furnishers are obligated to report accurate information. If these entries can not be substantiated with evidence, they should be corrected or deleted.

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 2025-04-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX PAYMENTS MADE AND COMPANY HAS NOT HONORED SETTLEMENT AND RESTARTED MY OBLIGATION AND REPORTED TO THE CREDIT BEAURU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: IL

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: FL

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 2025-04-24 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 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 non-monetary relief
Consumer complaint received 2025-04-24 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: MN

Complaint narrative:
Due to a recent data breach, my personal information was exposed and subsequently used without my knowledge or authorization. As a result, inaccurate personal details, such as names not associated with me, have been added to my credit report. I did not provide consent for this misuse of my identity. 

I am formally requesting that you conduct a thorough reinvestigation of the incorrect personal information under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). Any details that are inaccurate, unverifiable, or appear to be the result of identity theft should be removed from my credit file immediately. I have included supporting evidence, including an Identity Theft Report, to assist with this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: MN

Complaint narrative:
I consolidated loans in XXXX, and didn't hear from Sallie Mae that there was a remaining balance. For 6 years I have received billing statement emails that say there is a {$0.00} amount due and {$0.00} balance. Last month, I started receiving statements that stated I owed around the amount of {$900.00}. I reached out to Sallie Mae and was bounced around for weeks regarding why there was an amount still, why I didn't know about it, and why it was so much. 

After calling, being disconnected with no follow-up, and being told I'd hear back with no return call or outreach, I found out today that they had waived fees and interest, and didn't tell me. But there was some amount due remaining. I was told the lump payment in XXXX  had paid in advance for 6 years and that my total balance could only have been seen by clicking a link in the emails they were sending me. Once clicking this link, I am brought to a password enter page, and then brought to the Sallie Mae message center. AND NOT a statement showing total balances. I still had to search for these statements. I never received any yearly summary. 

Sallie Mae told me that I could not pay this remaining balance monthly. I asked, they said I could pay the amount in full by the end of XXXX -- however, there was no option to pay monthly ( even to pay off interest ) when I asked multiple times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-24 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-04-24 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: NV

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
At the end XXXX, I was a victim of XXXX XXXX  and fraud with my Chase XXXX XXXX. Chase allowed someone to add themselves as an authorized user to my credit card, without my knowledge or consent. This person then charged thousands of dollars to my line of credit. Chase did credit the money back to my card, but I ultimately decided to close the card because I did not feel secure continuing with Chase. It took three phone calls to get someone to permanently close the account. Each time, I was assured it was closed only to find out it had not been closed. Finally, I received a letter in the mails stating the account 's closure and noted in my Chase phone app a banner that also said my account was closed. Through all of this, I received numerous phone calls/texts from Chase with verification codes from the fraudster trying to access my account. 

On XX/XX/XXXX at XXXX PM, I received an email from Chase stating that I had requested a new XXXX XXXX and that it would be emailed to me. I was still able to log in to my Chase app and discovered that my line of credit with Chase was active once again. Again, I called Chase, tried to inform them of what was happening, and tried to close the account. Again, it took two times. Nothing in my app signifies to me that this line of credit has been closed. Unconvinced, I drove to Chase bank to see if I could receive help in person. They were not much help. Additionally, the latest issuance of this credit card was under my maiden name, whereas I had my card opened originally under my married name. They had me do exactly what I've been doing at home- contacting the fraud department XXXX who is based in XXXX XXXX via their phones in a banker 's office. I was told the account was closed and that I would be receiving a letter in the mail stating the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
I am writing to request verification of the debt referenced above, which you claim I owe. This is not a refusal to pay but a request for information regarding your claim. I assert my right to a written validation of this debt under the laws set forth in the Fair Debt Collection Practices Act.

Please provide the following : 1. Verification and validity of the debt, including the amount owed and calculations to substantiate the sum, as well as a breakdown of any fees, interest, or other costs added.

2. A copy of the original signed agreement or instrument that states I agreed to pay the creditor.

3. Verification that your agency is legally permitted to collect this particular debt in my state, including licensing information.

4. The name and address of the original creditor.

5. Details of the last payment made on this account, showing any transactions related to this account.

Please note that I request all future communication regarding this matter be conducted in writing.

If you can not provide the requested information, I expect the collection attempt to be ceased and for this account to be removed from my credit report with any bureau to which you may have reported.

While you are verifying this debt, I would appreciate your cooperation by halting any future collection activities. In accordance with my rights, please provide the requested documentation to help me better understand and validate your claim.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: CA

Complaint narrative:
Went to service vehicle at XXXX XXXX XXXX in XXXX California, in XXXX of XXXX Vehicle was held hostage due to financial constraint. Was given the ultimatum of paying in full or taking a loan only through the automotive companies recommended app named " Easypay Finance ''. The terms of the payment plan were never explained and was forced to sign under duress or not be able to retrieve my vehicle. This company went against the " Truth and Lending Act ''. I was not given information on terms and costs of credit including financial plans beyond principal, unknowingly signing to a contracted interest rate of 149 % interest. 
I have been making consistent payments to this company bi-weekly to the total amounts of {$1400.00} which has risen to {$1400.00}, and a principal of {$1100.00}, which has risen to {$1200.00}. I have paid {$100.00} Bi-weekly to the first account, and {$72.00} Bi-weekly to the second account. The principal amount has not been paid since the loan 's payment plan had begun. All money due has consistently gone to the companies hidden & unknown interest rate that continues to soar. I have called both the Automotive company and the Easypay Financial company. I was redirected to the Loan company, only for the representative to deny information requested, and phrase that I knew what I signed for and redirected me to the app.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: TX

Complaint narrative:
This letter serves as a formal follow-up to my previous dispute regarding multiple inaccurate, unverified, and unauthorized accounts still being reported on my credit file. I am extremely disappointed by the lack of resolution and immediate action taken in response to my initial request. 

XXXX XXXX. XXXX - XXXX * * * * XXXX. XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) - XXXX * * * * XXXX. XXXX - XXXX * * * * XXXX. XXXX XXXX XXXX - XXXX * * * * Experian XXXX. XXXX - XXXX * * * * XXXXXXXX XXXX XXXX XXXX  XXXX * * * * XXXX. XXXX - XXXX * * * * XXXX. XXXX XXXX XXXX - XXXX * * * * XXXX. XXXX XXXX XXXX * * * * XXXX. XXXX XXXX XXXX - XXXX * * * * TransUnion XXXX. XXXX - XXXX * * * * XXXX. XXXXXXXX XXXX - ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) - XXXX * * * * XXXX. XXXX - XXXX * * * * XXXX. XXXX XXXX - XXXX * * * * XXXX. NR/SMS/CAL - XXXX * XXXX * * XXXX. XXXX - XXXX * * * * XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX ) - XXXX * * * *

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: TX

Complaint narrative:
This letter serves as a formal follow-up to my previous dispute regarding multiple inaccurate, unverified, and unauthorized accounts still being reported on my credit file. I am extremely disappointed by the lack of resolution and immediate action taken in response to my initial request. 

XXXX XXXX. XXXX - XXXX * * * * XXXX. XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) - XXXX * * * * XXXX. XXXX - XXXX * * * * XXXX. XXXX XXXX XXXX - XXXX * * * * Experian XXXX. XXXX - XXXX * * * * XXXXXXXX XXXX XXXX XXXX  XXXX * * * * XXXX. XXXX - XXXX * * * * XXXX. XXXX XXXX XXXX - XXXX * * * * XXXX. XXXX XXXX XXXX * * * * XXXX. XXXX XXXX XXXX - XXXX * * * * TransUnion XXXX. XXXX - XXXX * * * * XXXX. XXXXXXXX XXXX - ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) - XXXX * * * * XXXX. XXXX - XXXX * * * * XXXX. XXXX XXXX - XXXX * * * * XXXX. NR/SMS/CAL - XXXX * XXXX * * XXXX. XXXX - XXXX * * * * XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX ) - XXXX * * * *

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I was charged a {$10.00} service fee, however I have direct deposit and was promised over the phone that I would be charged a fee if I signed up for direct deposit. XXXX and XXXX at wells fargo told me I missed out on the free checking account using direct deposit by one day, I had to have my direct deposit in by the XXXX but it was deposited on the XXXX. I have no control over when my company pays me. And I was further discriminated against because XXXX denied me the ability to speak with someone else. I was only able to file an internal complaint, but wasnt given a point of contact to reach out. If I had more money on my account I wouldnt have been discriminated against. I was also lied to by XXXX and was told I was not able to wait for a XXXX because no one was available, however she told me there was other people I could talk to but said I couldnt talk to them because they would give me the same answer XXXX told me this as well. They were unwilling to give me my money back throughout the whole conversation because I dont have enough money for them to care about and just kept saying everyone would tell me the same thing even though they didnt take into consideration that I was told I wouldnt be charged a fee as long as I had direct deposit, and there were not any stipulations on the direct deposit such as dates like they are claiming now. They are able to make up rules to entice me to set up direct deposit with them then go back on what they promised me such as a XXXX  monthly service fee then come back a month later and say my direct deposit must be deposited on certain dates even though I have no control of that. I believe that they are manipulating me as a consumer. They make money off of my account just being open under their institution, and yet they are lying for more money and more accounts, which Wells Fargo had done in the past.

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 2025-04-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I had collections with Affirm. I reached out to the debt XXXX and I settled the debt with them, and they notified Affirm. I then called Affirm to update my credit/ remove the collections since they are resolved, and they said it will be updated on there XXXX of XXXX. I called them today, XXXX of XXXX, wanting to confirm if they updated my credit, and they are telling me to wait another 30 days. I am trying to close on a house by XX/XX/XXXX and it's affecting my rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: CL Holdings LLC
State: MN

Complaint narrative:
Mailed a letter requesting a full debt validation on XX/XX/year>. 
Received response on XX/XX/year> that contained only the account history and no other requested information.

Company response to consumer: Closed with explanation