vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: PA

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 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am writing to formally dispute a duplicate withdrawal and incorrect settlement involving a transaction between my checking account at Digital Federal Credit Union ( DCU ) and my XXXX account. 

On XX/XX/XXXX, I transferred {$1000.00} from my DCU checking account to my XXXX account. However, due to the apps settings, an automatic withdrawal of {$300.00} was also triggered without my knowledge, resulting in an unintended additional withdrawal of that amount. 

In an attempt to recover the funds, I initiated a reverse transaction, but another {$300.00} was withdrawn creating {$600.00} in excess charges from my checking account. I promptly reported the issue and opened a dispute with DCU. 

In XX/XX/XXXX, DCU issued a provisional credit of {$600.00} to my account. When the matter was resolved by XX/XX/XXXX, DCU reversed the provisional credit, debiting {$600.00} from my checking account. 

On XX/XX/XXXX, XXXX withdrew {$600.00} from my XXXX account. Of this amount, {$100.00} was deducted from my personal XXXX funds, and I was charged {$490.00} to cover the remaining negative balance. This action resulted in a duplicate withdrawal, as the funds had already been returned to DCU in XXXX. The subsequent XXXX debit was made in error. 

I have contacted XXXX numerous times regarding this issue, most recently a few weeks ago. Each time, they advised that the issue lies with my bank. In turn, I have submitted multiple requests to my bank, but they have not resolved the problem, claiming that the issuer of the transaction is XXXX. It is extremely frustrating that no one is willing to conduct a full investigation and properly resolve this issue. The difficulties in the relationship between DCU and XXXX should not become my personal problem as a customer. 

In the meantime, I am left with an additional, unjustified charge of {$600.00} funds that I urgently need for personal expenses. This situation has created financial hardship and unnecessary stress, and I believe it requires immediate attention and resolution. 

I kindly request that this matter be thoroughly reviewed and that the {$600.00} erroneously withdrawn from my XXXX account be refunded without further delay. I am ready to provide any supporting documentation you may require. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution.

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 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Subject : Request for Debt Validation Under 15 U.S.C. 1692g ( b ) Dear [ Debt Collector 's Name ], This letter is being sent to you in response to your recent communication regarding an alleged debt. Please be advised that I am requesting validation of the debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( b ).

I request that you provide the following information : 1. The amount of the alleged debt ; 2. The name of the creditor to whom the debt is allegedly owed ; 3. A copy of the original contract or agreement bearing my signature, or other detailed documentation proving that I have a legal obligation to pay ; 4. The chain of custody documents showing how the alleged debt was transferred, assigned, or sold if it has changed hands ; 5. Verification that you are licensed to collect debts in my state, including your license numbers and registered agent.

Until you provide the requested documentation validating the alleged debt, you must cease all collection activities and communication regarding this matter, as required by federal law.

Be advised : If you fail to provide sufficient validation, or continue collection efforts without validating the debt as requested, you will be in violation of the FDCPA, and I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney General, and consider pursuing civil action.

Please send all future correspondence regarding this matter in writing only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to XXXX in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: CA

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2025-05-07 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: FL

Complaint narrative:
This account is still furnishing inaccurate Information onto 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 2025-05-07 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: MD

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: KY

Complaint narrative:
I am writing to get information on my student loan. I want the a copy of the original loan document that I signe and an itimized bill of how you have come up with the total owed. Since there was no interest, I want to understand how you have my total being {$95000.00}. When the federal student loan website has something different and it also has me at paying XXXX qualified payments towards forgiveness and i see nothing on your website acknowledging any of the XXXX payments. I want this information prior to my repayment being activated. 
I am concerned with how Mohela is servicing loans and I do not trust that they are not charging interest. According to may reports ( aka Mohela report ) I want to make sure that I am going to get the correct information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I wrote a check on my account at USAA Federal Savings Bank to the United States Treasury in the amount of {$14000.00} in payment of my XXXX income tax. The IRS has indicated that they never received that payment. The IRS has checked their systems multiple times and are unable to find evidence of receiving any payment of that amount near the dates indicated by USAA that it was cashed. USAA, however, paid someone that amount on XXXX. As a first request I asked of a copy of the back of the check to show who endorsed it ; USAA was unable to provide a legible copy of the back of that check. I then asked for other evidence of who they paid it to ; however, they are unable to provide that evidence other than a completely internal tracking number which provided no useful information. I have discussed this with USAA multiple times ( the last time was on XX/XX/XXXX ) over the last year, and they can not provide me with any evidence of who they paid it to. 

It appears that USAA wrongly paid my check to an unauthorized person/entity and thus should reimburse my account. Just as important, they destroyed evidence of their wrongful payment. By destroying my physical check in reliance on a poorly designed copy system that can not reproduce a legible copy of the endorsement. That conveniently covered up or erased the evidence of their wrongful payment. Had they made a legible copy or retained the check for a reasonable time after payment, I would have been able to track it down and seek reimbursement from whoever was paid ; I should not have to suffer a loss due to their inadequate system.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request a reinvestigation regarding inaccurate negative information that continues to appear on my credit report, which has not been adequately addressed in previous investigations by Equifax, Experian, and TransUnion. Despite my efforts to dispute these inaccuracies, the items remain unresolved, and I believe they have not undergone a thorough review as required.

The presence of these inaccuracies has significantly impacted my credit score, limiting my access to credit and creating unnecessary financial stress. I am simply seeking an accurate representation of my credit profile, as I believe the errors are unjustly affecting 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 non-monetary relief
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
I am writing to formally request a reinvestigation regarding inaccurate negative information that continues to appear on my credit report, which has not been adequately addressed in previous investigations by Equifax, Experian, and TransUnion. Despite my efforts to dispute these inaccuracies, the items remain unresolved, and I believe they have not undergone a thorough review as required.

The presence of these inaccuracies has significantly impacted my credit score, limiting my access to credit and creating unnecessary financial stress. I am simply seeking an accurate representation of my credit profile, as I believe the errors are unjustly affecting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: GA

Complaint narrative:
This complaint is not a duplicate. It is an escalated continuation of an unresolved dispute regarding an account with XXXX XXXX that involves confirmed identity theft and ongoing, willful violations of the Fair Credit Reporting Act ( FCRA ). 

I have submitted over 10 identity theft reports to XXXX  XXXX, including : An official FTC Identity Theft Report, A notarized sworn identity theft affidavit, XXXX own internal fraud documentation packet, fully completed, A personal statement confirming I never opened the account, authorized the loan, or allowed any XXXX XXXX to do so. 

Despite overwhelming documentation, XXXX  XXXX  has : Failed to block the fraudulent account under FCRA 605B, Failed to delete or modify the account under 611 and 623, Continued to report re-aged and unverifiable data in violation of 1681c ( a ) ( 4 ) and 1681s-2 ( a ) ( 1 ) ( A ), Ignored multiple written disputes over several years, showing a pattern of willful negligence and reckless disregard for my rights under federal law. 

To this day, the XXXX XXXX account ( auto loan opened XX/XX/year> ; account ending in XXXX ) remains on my credit report. It continues to display inaccurate payment history, illegal charge-off reporting, and no valid documentation supporting the debt even after years of formal disputes and identity theft notifications. 

This complaint is not about a simple dispute it is about prolonged, systemic noncompliance with identity theft handling under FCRA : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Furnishers must block identity theft accounts within 4 business days after receiving a proper identity theft report. XXXX  has failed this over 10 times. 

FCRA 611 ( a ) : Experian and the CRAs must reinvestigate and delete unverifiable data. This has not occurred. 

FCRA 623 ( a ) ( 3 ) and FDCPA 1692e ( 8 ) : If the account is marked as verified and not flagged as disputed, that is deceptive and unlawful. 

I have reached the point of procedural exhaustion. I am respectfully demanding : Immediate deletion of the XXXX XXXX account from all consumer reporting agencies, A formal supervisory investigation into XXXX  handling of identity theft complaints, Consideration of civil penalties and enforcement under FCRA XXXX for willful noncompliance. 

This account does not belong to me. The company has had ample opportunity to correct it. I am requesting the CFPB escalate this matter immediately. 

I attached the most recent complaints, to cfpb and XXXX, but that would be too many to attach, the complaints and their associated ID 's can be found by XXXX  and CFPB

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 2025-05-07 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: GA

Complaint narrative:
This complaint is not a duplicate. It is an escalated continuation of an unresolved dispute regarding an account with XXXX XXXX that involves confirmed identity theft and ongoing, willful violations of the Fair Credit Reporting Act ( FCRA ). 

I have submitted over 10 identity theft reports to XXXX XXXX, including : An official FTC Identity Theft Report, A notarized sworn identity theft affidavit, XXXX own internal fraud documentation packet, fully completed, A personal statement confirming I never opened the account, authorized the loan, or allowed any associated party to do so. 

Despite overwhelming documentation, XXXX XXXX has : Failed to block the fraudulent account under FCRA 605B, Failed to delete or modify the account under 611 and 623, Continued to report re-aged and unverifiable data in violation of 1681c ( a ) ( 4 ) and 1681s-2 ( a ) ( 1 ) ( A ), Ignored multiple written disputes over several years, showing a pattern of willful negligence and reckless disregard for my rights under federal law. 

To this day, the XXXX XXXX account ( auto loan opened XX/XX/year> ; account ending in XXXX ) remains on my credit report. It continues to display inaccurate payment history, illegal charge-off reporting, and no valid documentation supporting the debt even after years of formal disputes and identity theft notifications. 

This complaint is not about a simple dispute it is about prolonged, systemic noncompliance with identity theft handling under FCRA : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Furnishers must block identity theft accounts within 4 business days after receiving a proper identity theft report. XXXX  has failed this over 10 times. 

FCRA 611 ( a ) : XXXX  and the CRAs must reinvestigate and delete unverifiable data. This has not occurred. 

FCRA 623 ( a ) ( 3 ) and FDCPA 1692e ( 8 ) : If the account is marked as verified and not flagged as disputed, that is deceptive and unlawful. 

I have reached the point of procedural exhaustion. I am respectfully demanding : Immediate deletion of the XXXX XXXX account from all consumer reporting agencies, A formal supervisory investigation into XXXX  handling of identity theft complaints, Consideration of civil penalties and enforcement under FCRA XXXX for willful noncompliance. 

This account does not belong to me. The company has had ample opportunity to correct it. I am requesting the CFPB escalate this matter immediately. 

I attached the most recent complaints, to cfpb and XXXX, but that would be too many to attach, the complaints and their associated ID 's can be found by XXXX  and CFPB

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