vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 explanation
Consumer complaint received 2025-05-02 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: CO

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-05-02 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: MO

Complaint narrative:
I am requesting the immediate blocking and removal of unauthorized accounts from my credit report. I did not authorize or initiate these accounts and am unfamiliar with their origin. As stated under XXXX XXXX, I ask for their removal within the next XXXX  days. Enclosed are relevant documents for your review. There are also discrepancies, with different account details reported to each bureau.

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 2025-05-02 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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. 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. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. 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. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-05-02 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 2025-05-02 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelnet, Inc.
State: TN

Complaint narrative:
I have roughly $ XXXX $ XXXX in federal student debt. Since graduation, I have made all my payments and never deferred during COVID or any of the breaks given by the government. I always enroll in auto-payment and allow for all my payments to draft form my bank account every month. I've had a few late payments when my providers have turned over- in the time I need to get my new accounts and auto-payments established, but nothing beyond that. 

My last email from Nelnet ( my provider ) was on XX/XX/XXXX, claiming that my account was 60 days past due - but when you check my account, there were payments for XXXX, XXXX AND XXXX. Nothing else from them. 

Then, on XX/XX/XXXX I was notified ( via email ) from the XXXX Department of Education that my account was delinquent and at risk of going into default. I immediately took action, and attempted to log into my Nelnet account, and re-establish current status. I paid the outstanding balance ( {$610.00} ) and set up recurring automatic payments for more than the minimum amount ( $ XXXX ). 

For the record, I was not notified via email or mail that I had outstanding balances, that my accounts were overdue, or that my automatic payments were cut. Essentially on XX/XX/XXXX, I was blindsided that my account was in danger of default. 

Fast forward to the weekend of XX/XX/XXXX, I pull my credit report ( as we are wanting to purchase a new home ), and notice that my credit was deducted XXXX points for having XXXX delinquent loan accounts for XXXX & XXXX. My credit has consistently remained about XXXX for a long period of time, and all of a sudden it was dropped to a XXXX - for accounts that I had no idea XXXX ). I had outstanding balances on and XXXX ). that they were so far gone they were considered delinquent. 

XXXX disputing this credit hit because Nelnet failed to notify me that my automatic payments were being cut off and that my accounts were over-due, giving me the proper time to make it right. I was not notified via email, text, call, or mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 2025-05-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing this complaint because Wells Fargo foreclosed on my property despite the fact that I was never the borrower, never received billing statements, and was never given an opportunity to dispute or cure anything. The HELOC was originated under my ex-husbands name only ( XXXX XXXX XXXX XXXX ). 

In addition to that due process failure, the mortgage itself was defective : it was originally recorded in the wrong county ( XXXX XXXX ) with the wrong legal description for a different property. In XXXX, Wells Fargo tried to " correct '' this by re-recording the mortgage in XXXX XXXXbut they did so without re-executing the mortgage or obtaining a court reformation order. 

Wells Fargo then filed multiple title insurance claims ( in XXXX, XXXX, and XXXX ) acknowledging this error. The title insurer, XXXX XXXX XXXX XXXX, formally denied coverage and refused to insure over the defect. Their XXXX Business Records Affidavit confirms the defect was never cured and no policy was issued.

Despite this, Wells Fargo foreclosed on the defective mortgage and now is attempting to resell the property via XXXX ( Auction ID XXXX ) without disclosing the title defect to potential buyers. This is the second time theyve tried to sell it ( first attempt was XXXX XXXX XXXX  ). 

I believe this violates RESPA ( failure to correct servicing errors ), due process, and UDAAP protections. Wells Fargo should not foreclose on non-borrowers or resell properties with known, uncorrected title defects.

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 2025-05-02 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: NC

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I was scammed by someone while I was trying to pay the closing costs of my house. While trying to reverse the transaction, XXXX XXXX gave me wrong information multiple times, didnt process my requests properly and didnt communicate with me through the process leading to the account not having sufficient funds to return my money. The amount of time that XXXX XXXX took lasted a little over a month and I had to coordinate with over XXXX different people at their company. The other person who was scammed by the same person was able to get their money back a little over a week after my initial attempt to reverse my transaction and they were scammed for over double the amount that I was scammed out of. Most of the interactions I had with them was via phone to which they stated I would need a court order to be able to get access to the transcript of the conversations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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 writing to file a formal complaint regarding multiple accounts that have been improperly reported by EXPERIAN on my my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 2. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. 1.EXPERIAN has resorted to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 2.Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). EXPERIAN is flagrantly disregarding consumer protection statutes. I did not receive any notice from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts on my consumer report providing me the opportunity to dispute the validity of this debt within 30 days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the Equifax breach and documents proving that I am a victim of identity theft. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that EXPERIAN remove these accounts from my credit report and cease all collection efforts immediately. Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$9200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2600.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$730.00} INQUIRIES : XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me crWedit. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: MI

Complaint narrative:
I enrolled in a debt settlement program with National Debt Relief ( NDR ) in XXXX and have since paid over {$11000.00} into the program. Despite this, I have experienced no substantial debt resolution and have even been sued by one of my creditors ( XXXX XXXX ) I have an active court date scheduled for XX/XX/XXXX. This is a direct violation of the core service I was promised, which was to avoid litigation while my debts were negotiated and settled. 

NDR also falsely claimed that a settlement with my XXXX XXXX XXXX account ( ending in XXXX ) had failed, when I later confirmed directly with XXXX  XXXX XXXX that it had been paid in full. NDR did not track this correctly and continued to collect program fees even after the account was resolved. I had to do their job and inform them of the account status myself. 

Additionally, I have received constant phone calls from XXXX XXXX, another creditor enrolled in the program. When I finally answered, their representative told me they had never been contacted by National Debt Relief, despite my understanding that NDR was supposed to be negotiating on my behalf. 

I submitted a written request to National Debt Relief to stop calling me and only communicate in writing. Despite that, I continued to receive multiple calls per day for over a week. They also sent a misleading email about an account update, likely to scare or trick me into calling them.

I am requesting a full review of my account, a refund of program fees collected, and for NDR to be held accountable for deceptive and harmful business practices. I have documentation of all payments, creditor contact logs, court filings, and email communication. Please assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
My client in XXXX XXXX make a swift wire to my account in AmexBusiness Platinum card on XX/XX/year> and the amount is XXXX USD. 
Wire transfer recipient info : XXXXAmerican Express National Bank XXXX XXXX : XXXX Routing XXXX Account XXXX account nameXXXX XXXX. 
the XXXX tracing the wire shows the sender 's bank already sent the amount and finish the wire. But till now XX/XX/year>, We did NOT received the amount, and I ask Amex credit and checking department and open disputes, they can NOT locate this wire, I was be told my business account have no international services, and this XXXX XXXX belongs to travel department, XXXX XXXX in this wire : XXXX, which target AMERICAN EXPRESS XXXX XXXX XXXX XXXX XXXX XXXX . I contact their travel department, no one help me solve the problem. I contact them almost every day, Even though I provided the XXXX message, no one could help me locate the wire. 
XXXX XXXX : XXXX Reference # : XXXX

Company response to consumer: Closed with explanation