vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lyons, Doughty & Veldhuis, PC
State: MD

Complaint narrative:
XXXX XXXX TransUnion TransUnion Account # : XXXX Account Description : Individual Account Rating : CollectionOrChargeOff Account Status : Closed Account Type : Revolving Balance Owed : {$3800.00} Closed Date : -- Credit Limit : XXXX Creditor Remarks : DISPUTE RESOLVED REPORTED BY XXXX Creditor Type : Banking Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : XXXX High Balance : {$3700.00} Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : {$0.00} Payment Frequency : -- Payment Status : CollectionOrChargeOff Term Length : -- Loan Type : -- The derogatory information above was never proven to be compliant with reporting standards. The information above was never verified to be accurate, complete, timely, and validated! You must provide documented proof of compliance reporting standards and applicable consumer laws. The information above is deficient. I demand that imperfect, inaccurate, incomplete, and unverified information be deleted immediately! 

I asked proof from this company to collect this debt and provide me with a Chain of Assignment and they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: TN

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I XXXX XXXX have written CEO XXXX XXXX, of Wells Fargo Bank, person entitled to enforce, requested a certified copy of the original wet ink signature of the note to validate the debt. A computer generated response was mailed to me unsigned This is NOT the original wet ink signature of the note. It is merely a note, and is public record, recorded at XXXX XXXX XXXX XXXX office. Those documents are copies that anyone who wants a copy can obtain. XXXX XXXX XXXX of Wells Fargo Bank has proven that he nor Wells Fargo Bank has the ORIGINAL WET INK SIGNED NOTE AND THE DEED TO NOTARIZE. Therefore DUE TO BANK 'S FAILURE TO VALIDATE & PRODUCE AS STIPULATED BY LAW have COMMITTED BANK FRAUD. Further, as servicers and NOT OWNER. XXXX XXXX CEO and agents have refused to perform. The past payments must be returned because the bank had no rite to lien, extort, interest payments, and act without authorization. A contract was never fulfilled, thereby damaging me by there act of fraud.

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 2025-05-01 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: VA

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
Paramount Recovery Systems XXXX. XXXX XXXX XXXX, TX XXXX Date : XX/XX/year> Subject : Request for Debt Validation and Immediate Cease Reporting FDCPA 809 XXXX FCRA 623 Dear Paramount Recovery Systems, This letter is being sent to you in response to your entry on my Experian credit report. Please be advised this is not a refusal to pay, but a request for validation of the alleged debt referenced in your account XXXX XXXX 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide the following : XXXX. A copy of the original contract or agreement with XXXX XXXX XXXX XXXX. Itemized billing statements showing how the balance was calculated XXXX. Proof that you are authorized to collect this debt XXXX. Proof of chain of assignment/ownership of the debt Until these documents are provided, and under FCRA 15 U.S.C. 1681s-2, you must cease reporting this account to any credit bureau . Reporting unverifiable information is a violation of federal law and will be pursued accordingly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: TX

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2025-05-01 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: AZ

Complaint narrative:
TransUnion is reporting late payments on two accounts that now show a {$0.00} balance and {$0.00} past dueXXXX XXXXXXXX ( account number XXXX ) and XXXX XXXX  ( account number XXXX ). According to 15 USC 1666b, creditors must properly allocate payments and accurately reflect account statuses. These accounts are currently closed or paid, and yet TransUnion is showing derogatory payment history that lacks contextual detail and proper updates. I believe the data being reported is either outdated or wrongfully included due to prior data entry errors or as a result of inaccurate data transmission, possibly linked to broader breaches of personal information.

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 2025-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had some charges that went through to my account and Wells was going to charge me an overdraft fee. So I had brought my account positive XX/XX/30 and was positive then XXXX was charged the fee still and they would not remove because I had them remove a fee last year in XXXX for the same thing and my account was in the positive. There was a pending transaction that they had posted conveniently XXXX which made my account negative but the charges was pending and brought the balance to a positive and was charged the fee still and thats what made my account got negative for the pending charges on XXXX. This is not right that they hold the charges and refuse to show the information for upcoming payments. You can see on the upload I had enough to cover the charges for XXXX but they had posted the overdraft fee and made me negative and the rep I spoke to just told me you need to do better math his name was 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 2025-05-01 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: OH

Complaint narrative:
CFPB Complaint Draft Student Loan Discharge Reporting Issue Complainant : XXXX XXXX Issue Summary : The credit bureaus ( Experian, XXXX, and XXXX  ) are inaccurately reporting a student loan account as open and due, even though I received a 1099-C from the U.S. Department of Education indicating the debt was discharged. This was reported and accepted by the IRS. Despite my formal disputes, the credit agencies continue to list this account with an active balance and deferment status, harming my credit and violating my rights under federal law. 

VIOLATION OF FAIR CREDIT REPORTING ACT violated 15 U.S.C. 1681s-2 by furnishing inaccurate information and failing to conduct a proper investigation. 

VIOLATION OF FAIR DEBT COLLECTION PRACTICES ACT violated 15 U.S.C. 1692e by misrepresenting the amount, status, and legal character of the alleged debt. 


Details of the Debt : - Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX : XXXX - Debt Type : Federal Student Loan - Amount Discharged : {$3600.00} - Discharge Date : XXXX ( Form 1099-C ) - IRS Acceptance Date : XX/XX/XXXX Credit Bureau Actions : - Credit reports show the debt as 'open ' and 'deferred ' - Balance inaccurately listed as due - Status shows payments pending despite cancellation - Prior dispute marked as resolved with no correction Supporting Documentation Provided : - IRS Form XXXX ( XXXX Department of Education XXXX XXXX XXXX XXXX Screenshot showing IRS acceptance ( Filed XX/XX/XXXX ) XXXX Credit report screenshots showing false status - Affidavit of Discharge This matter concerns unlawful collection and reporting of discharged debt, causing injury to my financial standing. I request CFPB assistance to enforce compliance and correct this violation.

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 2025-05-01 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: OH

Complaint narrative:
CFPB Complaint Draft Student Loan Discharge Reporting Issue Complainant : XXXX XXXX Issue Summary : The credit bureaus ( Experian, Equifax, and TransUnion ) are inaccurately reporting a student loan account as open and due, even though I received a 1099-C from the U.S. Department of Education indicating the debt was discharged. This was reported and accepted by the IRS. Despite my formal disputes, the credit agencies continue to list this account with an active balance and deferment status, harming my credit and violating my rights under federal law.

VIOLATION OF FAIR CREDIT REPORTING ACT violated 15 U.S.C. 1681s-2 by furnishing inaccurate information and failing to conduct a proper investigation.

VIOLATION OF FAIR DEBT COLLECTION PRACTICES ACT violated 15 U.S.C. 1692e by misrepresenting the amount, status, and legal character of the alleged debt.

Details of the Debt : - Creditor : U.S. Department of Education / Servicer : XXXX - Debt Type : Federal Student Loan - Amount Discharged : {$3600.00} - Discharge Date : XXXX ( Form XXXX ) - IRS Acceptance XXXX : XX/XX/XXXX Credit Bureau Actions : - Credit reports show the debt as 'open ' and 'deferred ' - Balance inaccurately listed as due - Status shows payments pending despite cancellation - Prior dispute marked as resolved with no correction Supporting Documentation Provided : - IRS Form XXXX ( U.S. Department of Education XXXX XXXX XXXX XXXX Screenshot showing IRS acceptance ( Filed XX/XX/XXXX ) XXXX Credit report screenshots showing false status - Affidavit of Discharge This matter concerns unlawful collection and reporting of discharged debt, causing injury to my financial standing. I request CFPB assistance to enforce compliance and correct this violation.

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 2025-05-01 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: OH

Complaint narrative:
CFPB Complaint Draft Student Loan Discharge Reporting Issue Complainant : XXXX XXXX Issue Summary : The credit bureaus ( Experian, Equifax, and TransUnion ) are inaccurately reporting a student loan account as open and due, even though I received a XXXX from the U.S. Department of Education indicating the debt was discharged. This was reported and accepted by the IRS. Despite my formal disputes, the credit agencies continue to list this account with an active balance and deferment status, harming my credit and violating my rights under federal law. 

VIOLATION OF FAIR CREDIT REPORTING ACT violated 15 U.S.C. 1681s-2 by furnishing inaccurate information and failing to conduct a proper investigation.

VIOLATION OF FAIR DEBT COLLECTION PRACTICES ACT violated 15 U.S.C. 1692e by misrepresenting the amount, status, and legal character of the alleged debt. 


Details of the Debt : - Creditor : U.S. Department of Education XXXX XXXX : XXXX - Debt Type : Federal Student Loan - Amount Discharged : {$3600.00} - Discharge Date : XXXX ( Form XXXX ) - IRS Acceptance XXXX : XX/XX/XXXX Credit Bureau Actions : - Credit reports show the debt as 'open ' and 'deferred ' - Balance inaccurately listed as due - Status shows payments pending despite cancellation - Prior dispute marked as resolved with no correction Supporting Documentation Provided : - IRS Form XXXX ( XXXX Department of Education XXXX XXXX XXXX XXXX Screenshot showing IRS acceptance ( Filed XX/XX/XXXX ) XXXX Credit report screenshots showing false status - Affidavit of Discharge This matter concerns unlawful collection and reporting of discharged debt, causing injury to my financial standing. I request CFPB assistance to enforce compliance and correct this violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: PA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$6300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX - XX/XX/XXXX - {$1300.00} XXXX - XX/XX/XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, PA, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, PA, XXXX EMPLOYER - 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 2025-05-01 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: GA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief