vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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: KY

Complaint narrative:
My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I refuse to let these inaccuracies go unchallenged. 

Despite my responsible financial habits, these errors are creating unnecessary obstacles. The FCRA is clearany outdated, incorrect, or unverifiable information must be removed immediately. I expect swift corrective action, as any further delay will only amplify the damage already caused. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-03-05 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-03-05 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-03-05 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: NV

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX this transaction was void by XXXX XXXX XXXX XXXX returned to my account. on XX/XX/year> Chime removed the funds causing an overdraft of XXXX 7 days after the funds where returned to my account by XXXX 's. I have dispute the charge and submitted documents stating the transaction had been void on the same day. 

on XX/XX/year> i spoke with XXXX 's customer service team who provided me with document showing the voided transaction. I emailed that document to Chime with my dispute information on XX/XX/year> and still no help from Chime. 

I called Chime to advise this and they did nothing it is now 10 days later and the funds are still not back in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company 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 2025-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
To Whom it may concern, I was under forebears from XXXX through XXXX of XXXX. However I contacted the lender on or before my forebears due date were up and ask for a extension to remain in the forebears due to my situation. Thereby the lender only extended to remain in the in forebears from XXXX until XX/XX/XXXX, of XXXX, and payments will resume payment on XXXX XXXX, However during the extension of the forebears I made a payment in the amount of Three thousand dollars throws past due amount on XXXX XXXX XXXX, upon reaching out to the lender with a update correspond to remain in the in forebears due to my situation and ask for a extension to remain in the forebears due to my retirement benefits are still being process, which this will allow me to get caugth up and another payement on th pst due amount once I receives my retro pay from my retirement benefits. However I ask the lender to work with a payment defer by putting the past due amount on the back end of the loan and start again to my bi-weeky plans. However I never received a follower-up from the correspondence with the update I requested to the lender. Now given to financial obligations pertains to the period of time in which a borrower has a right to request an inital forebearance, Section 4022 of the CARES Act therby I was violated of my rights when I request for a new forebearance before the end of the cover period. However my extension request of an forebearance extension was made prior to my expiration of the cover period, and I feel that I was violated for additional 180 days for which i did receive despite the expiration of the covered period. However I feel that the lender has failed there obligation on my honor of request. 
Thank you XXXX XXXX XXXX cell

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 2025-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: MI

Complaint narrative:
After reviewing my credit report, I noticed a debt from SOURCE RECEIVABLES MANAGEMENT LLC, and called them. I asked why they added the debt amount of ( {$1200.00} ) without notifying me first, so that I could at least have a chance to dispute this inaccurate amount. I requested a debt validation letter with proof of when it was sent, a copy of the signed contract, and the right-to-dispute notice. They were unable to provide this information and still haven't done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have had my Citibank Mastercard for over 5 years and have a 95 % on time payment history. Unfortunately, last month I made a payment for {$46.00} which I thought was posted and then became XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, so I was out of commission for almost XXXX weeks. When I logged into my account, I saw that the payment was returned, and my account closed. I assumed this was an error since I have had no major issues with my Citibank account. 

On XX/XX/year> at XXXX I called Citibank customer service and spoke to a representative named XXXX who said no one can help me until I receive the letter and then call back. Today is XX/XX/year> and I have received no letter even though my new statement asks for a min balance by XX/XX/year> and shows no indication that the account is closed. 

I am requesting a one-time forgiveness for this return which has never occurred on this account before. I would also request to have my account reopened and the continued opportunity to rebuild my credit, which is essential in a society solely driven by credit scores. 

Thanks 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 2025-03-05 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: MI

Complaint narrative:
In accordance with the fair credit Reporting and XXXX Account # XXXX violated my rights. 

15 USC1681 SECTION602 STATES I have the right to privacy.

15 USC 1681 SECTION 604 A SECTION 2.It also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2025-03-05 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-05 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: MS

Complaint narrative:
Dear Equifax, This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello My name is XXXX XXXXXXXX  I pull my credit report and notice some things on my file that was incorrect like my address and also some accounts that I done asked all three credit bureaus to remove. Such as Experian TransUnion Equifax they have a XXXX XXXX  bill on here that I asked them to remove which has been paid off and also they are using information that by law they are not supposed bro be using like a XXXX  XXXX when they wasnt giving permission to use and also a student loan that was discharged and I asked them to remove and they are not doing right and keep wanting to leave this on me like its joke I dont appreciate this and have asked them serval time to remove it

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 2025-03-05 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: PA

Complaint narrative:
Midland Credit Management XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Debt Validation Request Account # [ Your Account Number ] To Whom It May Concern, I am formally requesting validation of the alleged debt reported to my credit file under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. I recently noticed that your company has reported a collection account to my credit report, and I demand strict proof that I am legally responsible for this debt.

Pursuant to my rights under the FDCPA, I request the following : 1.Proof that you have the legal right to collect this debt, including a copy of the original signed agreement between myself and the original creditor.

2.A full breakdown of the debt, including the original amount, all interest, fees, and payments made. 
3.A copy of the purchase agreement or assignment between you and the original creditor, demonstrating your ownership of the debt.

4.Proof that this debt is within the statute of limitations for collection in my state.

5.Verification that the debt is accurate and complete, including a copy of any judgment or contract showing my liability.

Until this information is provided, I request that all collection efforts and credit reporting on this account cease immediately. If you are unable to validate the debt, I demand that you remove this account from my credit report as required by law.

Furthermore, if you fail to respond within 30 days, I will consider this debt unvalidated and will file disputes with the credit bureaus to have it removed from my credit report. Additionally, I will explore legal options regarding any potential violations of my consumer rights. 

Please note that this is not an acknowledgment of liability for the debt but a formal request for validation under my legal rights. I expect a response within the time required by law. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX Social Security XXXX XXXX XXXX XXXX resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately.

Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
XXXX. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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 2025-03-05 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: CA

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: EQUIFAX, INC.
State: KY

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has documented XXXX repeated failure to properly investigate consumer disputes, even leading to legal action for violating the FCRA. This continued pattern of noncompliance is unacceptable, and I will not allow my credit profile to suffer due to negligence on your part.

Federal law ( 15 U.S.C. 1681i ) clearly states that Equifax is required to conduct a thorough reinvestigation of disputed information within 30 days. Any item that can not be 100 % verified must be deleted immediately. I demand that these errors be corrected without delay, as they are actively harming my financial standing. Continued noncompliance will not be ignored. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: PA

Complaint narrative:
I want to formally request verification of the debt associated with the XXXX XXXX XXXX XXXX account ending in XXXX, which has been inaccurately reported on my credit file in the amount of {$1600.00} opened on XX/XX/year>. I dispute the accuracy of this account and need the following documentation to substantiate the debt : 1. A complete statement or itemized bill showing the original charges and any payments made.

2. A copy of the contract or agreement that establishes my responsibility for this debt. 
XXXX. Proof that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to collect on this debt. 
MY WALLET WAS STOLEN TWICE AND XXXX HAD A HUGE DATA BREACH!!! SEE ATTACH MY DOCUMENTS AND POLICE REPORT. I continue to report these mthings. 
I am requesting this information under my rights per the Fair Debt Collection Practices Act ( FDCPA ). Please provide the required documents within 30 days of receipt of this letter, or I will pursue further legal action for FDCPA and FCRA violations.

Company response to consumer: Closed with non-monetary relief