vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I have exceptional payments that I have tried so hard these last few years to make on time payments. I just had a baby 20 months ago. I am very hardworking. I had no idea I had any single missed payments. In between pausing our student loans and then resuming them, everything has been so confusing and up in the air. Not only that, before I gave birth I was in the hospital for 12 days for a gunshot injury, a year before that. Its been a worldwind of medical problems and bills. I have stayed on top of everything. 

I called XXXX today, they told me they had no email on file. Ive never gotten a letter or phone call about making any payments. Online it says my information isnt accurate and that my social doesnt match records at XXXX XXXX So how can I even sign up and pay for anything? Today I called after I saw a big hit on my credit and made a payment asap which I didnt even know was due. 

I can make every single payment on time now that I know about it. Is there anyway you guys can help at all and take mercy? I would never purposely miss payments. Please. Ive worked so hard on my credit. 


Im between Covid pause, care act, and then restarting student loans, nothing was communicated with me! I had no idea about missed payments

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 2025-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I had contacted cash app in that my account was hacked and money was sent without my knowledge to an associated parties account. The other account had been closed to my knowledge. I had changed my pasword, blocked the other person that the money was being sent to was a fake profile of a person I do know. The other person had contacted cashapp informing them that it was a fake profile. The money sent was a total of XXXX i had requested my money be refunded and i got answered back with my account being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/year> Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Debt Validation Request ( Follow-Up to Unanswered Dispute ) Dear Sir/Madam, I am writing to follow up on my previous dispute regarding the debt reported on my credit report by ATTORNEY GENERAL-CHI under account number XXXX. I had requested validation of this debt 90 days ago, but unfortunately, my dispute has gone unanswered. According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any debt that is being reported. 
To facilitate the review of my records and ensure that the debt is accurate, I am requesting the following : 1.

Proof that the debt is mine, including the name of the original creditor.

2.

The amount of the debt at the time it was reported to you.

3.

A complete transaction history or statement detailing the debt.

4.

Proof of the original contract or agreement that verifies the debt.

5.

Any other documentation to confirm that the debt is accurate and belongs to me.

For your convenience and to assist with verifying my identity and the debt, I have attached copies of the following documents : Drivers License ( front and back ) Social Security Card ( front and back ) Utility Bill Pay Stub Please send me a detailed response with the requested documentation. If this debt can not be validated, I kindly ask that it be removed from my credit report.

In accordance with the Fair Credit Reporting Act ( FCRA ), I expect this matter to be resolved in a timely manner. If this issue is not resolved in a reasonable time frame, I will consider further actions to address this discrepancy. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I wanted to open a credit card with Wells Fargo to get reward points at XXXX, my most used place of business. My other cards do not allow membership reward points there. Wells Fargo denial me although I have an XXXX XXXXredit score and under {$600.00} in charges on other card ( s ). I own my home. XXXXXXXX XXXX XXXX company I had for years, did close their account with me due to inactivity. I am XXXX yrs of age and did not give Wells Fargo another name to add to the card I applied for, thus making me liable for all charges. 

Last week, I applied for a XXXX XXXX card and received approval instantly. Credit limit was only {$250.00} but that was enough for me to get the 20 % I wanted for a purchase. 

I really don't need credit as I have adequate funds, but I do like saving where I can. 

This is certainly a case of age discrimination! Please look into this matter. 

Thank you

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 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-11 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: MI

Complaint narrative:
I, XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent accounts on my credit report. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX opened a Chase checking account to deposit a check. Shortly after, I noticed unauthorized transactions via XXXX XXXX on my previous phone, an XXXX XXXX, which I no longer use. I reported the transactions to Chase, who promised to investigate and provide a temporary deposit. However, Chase blocked my account access and eventually sent a letter stating they decided to close my account. They retained the disputed funds, totaling nearly {$300.00}, without further explanation. Given these circumstances, I believe Chase has mishandled my account and funds. I request assistance in recovering my money and ensuring proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Hello, I have exceptional payments that I have tried so hard these last few years to make on time payments. I just had a baby 20 months ago. I am very hardworking. I had no idea I had any single missed payments. In between pausing our student loans and then resuming them, everything has been so confusing and up in the air. Not only that, before I gave birth I was in the hospital for 12 days for a gunshot injury, a year before that. Its been a worldwind of medical problems and bills. I have stayed on top of everything. 

I called Nelnet today, they told me they had no email on file. Ive never gotten a letter or phone call about making any payments. Online it says my information isnt accurate and that my social doesnt match records at NELNET XXXX So how can I even sign up and pay for anything? Today I called after I saw a big hit on my credit and made a payment asap which I didnt even know was due. 

I can make every single payment on time now that I know about it. Is there anyway you guys can help at all and take mercy? I would never purposely miss payments. Please. Ive worked so hard on my credit. 


Im between Covid pause, care act, and then restarting student loans, nothing was communicated with me! I had no idea about missed payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 2025-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
I refinanced my mortgage with a new company. Initially, I started to refinance with Loan Depot after they said they thought they could get the lender to pay the closing and fees. They ended up saying they were unable to do that. However when the final paperwork was done for the refinance they added approx $ XXXX to my existing loan. I said no to them and found a new lender. The new lender paid off the Loan Depot loan, however, if you look at my previous complaints with Loan Depot, they allege the new lender didn't pay off the entire amount. However, neither I or my new lender have received any proof of the loan not being paid off in full. Now I finally gave in to the pressure of Loan Depot screwing my credit up and I reached out again to Loan Depot and they sent me a notice showing how much was owed and if I sent a cashiers check or wire transfer by XX/XX/XXXX, it would be done. So I basically had an hour left on Friday before the bank closed to do this. After I did it, I noticed that they charged me {$420.00} for late fees. Why am I paying late fees? I have received over XXXX different bills and amounts that they claim I owe them from missed mortgage payments, even though I don't have a mortgage to various amounts without explanations. I want my credit score fixed and refund my " late fees '' of {$420.00} refunded. If they had called me, or my new lender on XX/XX/XXXX and informed us that the payoff was more than they quoted to the new lender, we would have dealt with this then. However, Loan Depot is apparently inept and corrupt and failed from XXXX of XXXX until XX/XX/XXXX of XXXX to give me a straight answer on what was supposedly owed to them. My new lender and title company do not believe any additional money is owed. But I paid it because Loan depot put a delinquent comment on my credit report in XXXX, and dropped it over XXXX points. I was trying to purchase a new car. Loan Depot has been evasive, negligent, and downright corrupt in handling this situation. Most employees can't provide information to me, don't see the loan was paid off, or find that it was, but can't tell me what I supposedly owe. No one ever calls back, yet they continue to send me new bills and late notices for missing my mortgages payments, failing to realize I don't have a mortgage with them. I am still waiting on a call back from XXXX XXXX, who promised me she would call back on XX/XX/XXXX. She did send me the final notice, but I felt coerced into paying the amount she provided late Friday. I don't think I should have to pay late fees, when I have called them numerous times about this and they have failed to tell me the exact amount that is owed and what it's for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: CA

Complaint narrative:
( 15 US 1681 ) ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
( 15 US 1681 ) ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ]

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 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I noticed certain accounts marked late when they should not be. These accounts should not have any late payment remarks.

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 2025-03-11 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I would like all reported accounts to be removed corrected immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: IN

Complaint narrative:
TransUnion has failed to fufill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information of my credit report, leaving inaccurate or unverifiable accounts unresolved. I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within 72 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of 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 2025-03-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: MA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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