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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding a debt collection account managed by XXXX XXXX XXXX that I believe is being handled improperly. 

I was recently contacted by XXXX XXXX XXXX about a debt they claim I owe. However, I do not recognize this debt and have not received sufficient documentation or validation to support their claim. Despite my request for verification, they have continued their collection efforts without providing the necessary information required under the Fair Debt Collection Practices Act ( FDCPA ). 

Furthermore, this account has been reported to the credit bureaus, negatively affecting my credit score, even though the debt has not been validated. This reporting is causing undue harm and stress, and I believe it may be in violation of my rights as a consumer. 

I respectfully request that the CFPB investigate this matter and that XXXX XXXX XXXX either provide full validation of the debt, including a copy of the original creditor agreement and a full payment history, or cease collection efforts and remove any negative reporting associated with this account from my credit reports. 

Thank you for your attention to this matter.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to dispute the validity of a debt reported on my credit report. I recently obtained a copy of my credit file and noticed that your company has reported a collection account under the above-referenced number. I am requesting that you provide proper validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide me with the following : 1. The name and address of the original creditor.

2. The date of the alleged debt and when it was charged off or placed for collection.

3. A copy of the original signed agreement or other documentation showing that I agreed to assume this debt.

4. The amount of the alleged debt, including a breakdown of the principal, interest, fees, and any other charges.

5. Documentation that you are legally authorized to collect debts in my state.

6. Proof that this debt is within the statute of limitations for collection.

Until you provide the requested validation, I am requesting that you cease all collection activities, including reporting this information to the credit bureaus. If you continue to report this debt to any credit reporting agency without providing proper validation, you will be in violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ).

Please note that any attempt to collect a disputed debt without validating it is unlawful. I also request that you notify any credit bureaus to which you have reported this debt that the debt is currently being disputed. 

Thank you for your cooperation. I expect your response within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
Santander is reporting my loan that is paid off to having XXXX late payments at the end of the loan this is incorrect im asking that my accout reflect i was on time with no missed payments. During the loan I had to defer XXXX payments tp the back end. I was not XXXX days late. The loan is paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I have a checking acct with XXXX bank a fake check was deposited in my acct no by me .. banker and I said it was fraud now XXXX has frozen my acct with my SSDI funds in there They wont release them Fraud lady said smartly I can hold it for 21 days even longer Banker can't understand I will be evicted if I don't pay rent or loose my insurance please help 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 monetary relief
Consumer complaint received 2025-05-03 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:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint against Transunion regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Information : Discrepancies in the reported payment history, Date of last activity. 
Under Section XXXX of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

Section 611 : Right to dispute inaccuracies and request investigation.

Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Transunion has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated XXXX period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
To whom it may concern : I had emailed you earlier that I have been unable to work since XXXX of 2024 ( no income ) I'm now receiving Social Security XXXX. after food, prescriptions & housing bills ect. I'm unable to pay anything else due to lack of funds. Also this was a shared account the amount due was not all mine. Again I am sorry 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 16XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$470.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX -- {$0.00}

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a complain with Experian for inaccurate reporting on an auto loan account XXXX XXXX. Despite my formal dispute the account to show an incorrect " Charge- off '' ( XXXX ) status for multiple months from XXXX to XXXX which is misleading and violates the Fair Credit Reporting Act. Additionally the report includes inaccurate late payments from XXXX without a clear or legally complaint timeline for the charge-off.

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 2025-05-03 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: MI

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 explanation
Consumer complaint received 2025-05-03 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: SC

Complaint narrative:
Subject : Request for Verification of Accounts Dear Sir or Madam, I hope this letter finds you well. After recently reviewing my credit report, I am writing to request that you verify that the following accounts listed on my report both belong to me and are reporting 100 % accurately. 
Under 15 U.S. Code 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable reinvestigation of any item in question to ensure its accuracy. I am asking that you verify the accuracy of the information listed for the accounts below.

If you can not verify that these accounts are both mine and are reporting 100 % accurately, I kindly request that you delete the unverified or inaccurate items from my credit report, as required by 15 U.S. Code 1681i ( a ) ( 5 ) of the FCRA.

The accounts I would like to verify are : 1. The following personal information is incorrect Account Number : report. 
Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are NOT my correct address. Remove them immediately from my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please verify that this item belongs to me AND is reporting 100 % accurately on my credit report. If youre unable to do so, I demand that you REMOVE IT immediately from my credit report! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify that this item belongs to me AND is reporting 100 % accurately on my credit report. If youre unable to do so, I demand that you REMOVE IT immediately from my credit report! 
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - This is not my correct address. Remove it immediately from my credit report. 
Please notify me of any changes that are made, and I appreciate your help in ensuring the information on my credit report is accurate. Thank you for your time and attention to this matter, and I look forward to hearing from you soon. 
Sincerely, XXXX XXXX

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-02 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I am devastated. I would like to report a situation with my student loans. I recently found out my loans were in default. I have never been in default with my student loans. They notified me on my email instead to mail that I was delinquent. Needless to say I had nine accounts that went 90 days past due and dropped my score over XXXX points. I have Aid Avantage and I did not know who the servicer was until I reviewed my credit report. I would like for them to remove the past due notice off of all 9 accounts. I was denied a student loan for my daughter and we dont know what we are going to do because of it. Also there have been 2 credit card closures from my credit because of this. I had great credit before this. Its just not fair

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: FL

Complaint narrative:
XXXXThis letter serves as a formal dispute and demand for investigation and verification of the following accounts and credit inquiries currently appearing on my TransUnion credit file. I believe these accounts and inquiries are inaccurate, incomplete, and were not authorized by me. Additionally, I have reason to believe that my personal information was compromised in the XXXX  data breach, which has materially impacted the integrity of my credit report across all major credit bureaus, including TransUnion. Despite submitting prior dispute requests, TransUnion has failed to fully investigate or remove the challenged accounts and inquiries, in violation of the Fair Credit Reporting Act (FCRA). Under my rights as a consumer, I am invoking the following provisions of the FCRA: - 15 U.S.C.  XXXXg (Section XXXX)  Right to request all information in the consumers file - 15 U.S.C.  XXXXi (Section XXXX)  Obligation to reinvestigate disputed information - 15 U.S.C.  XXXXb  Limits on permissible purposes for obtaining a credit report - 15 U.S.C.  XXXX  Right to block information resulting from identity theft Disputed Accounts: - AXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Account XXXX XXXX XXXX XXXX XXXX XXXX BANK  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXBANK  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccount 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 2025-05-03 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: MI

Complaint narrative:
My name is wrong and listed XXXX  times on my credit report, It was not corrected like it was supposed to be I only have XXXX name.My Address is listed XXXX different places I only have XXXX address.I need an investigation done on my charge offs I believe that something is not right, and also my updated month to month report is not right.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXXThis letter serves as a formal dispute and demand for investigation and verification of the following accounts and credit inquiries currently appearing on my XXXX credit file. I believe these accounts and inquiries are inaccurate, incomplete, and were not authorized by meXXXXAdditionally, I have reason to believe that my personal information was compromised in the XXXX  data breach, which has materially impacted the integrity of my credit report across all major credit bureaus, including XXXX. Despite submitting prior dispute requests, XXXX has failed to fully investigate or remove the challenged accounts and inquiries, in violation of the Fair Credit Reporting Act (FCRA)XXXXUnder my rights as a consumer, I am invoking the following provisions of the FCRAXXXX  15 U.S.CXXXX XXXXg (Section XXXX)  Right to request all information in the consumers fileXXXX  15 U.S.C. XXXXi (Section XXXX)  Obligation to reinvestigate disputed informationXXXX 15 U.S.C.  XXXXb  Limits on permissible purposes for obtaining a credit reportXXXX- 15 U.S.C.  XXXX  Right to block information resulting from identity theftXXXXDisputed Accounts:XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX BANK  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX BANK  Account XXXX XXXX XXXX XXXX XXXX XXXXBANK  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX  Account 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 2025-05-03 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: NY

Complaint narrative:
Please remove hard inquiry I do not know where is come 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

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