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: Incorrect information on your report — Account information incorrect
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the tradeline your firm is reporting to XXXX, XXXX, and XXXX  in connection with a debt allegedly owed to XXXX XXXX XXXX. I am demanding the immediate deletion of this account due to multiple violations of the Fair Credit Reporting Act ( FCRA ) and associated consumer protection laws. 

The reporting of this tradeline is inaccurate and unlawful for the following reasons : 1. The account is being reported with an Opened date in XXXX, even though the debt originated in XXXX. This constitutes illegal re-aging under FCRA 623 ( a ) ( 5 ). 
2. The account was previously removed but has now been reinserted without proper notice, violating FCRA 611 ( a ) ( 5 ) ( B ).

3. Your firm is reporting ongoing interest accruals, inflating the balance and making it appear as if new activity or late payments are occurring on what should be a static post-judgment debt.

4. Despite submitting a fraud affidavit and formal disputes, the account has not been marked as disputed, which is a violation of FCRA 623 ( a ) ( 3 ).

5. I was never notified of this debt or any legal proceeding related to it and only discovered the tradeline when reviewing my credit reports in XXXX. 

These actions have resulted in serious credit damage and represent willful noncompliance with federal credit reporting standards. I am formally demanding : Immediate deletion of this account from XXXX, XXXX, and XXXX A written response within 15 days confirming deletion or providing evidence of full compliance with the FCRA Cessation of all further interest accrual or balance inflation unless explicitly authorized by law and contract Failure to take corrective action may result in expanded complaints to the Consumer Financial Protection Bureau ( CFPB ), California Department of Financial Protection & Innovation ( DFPI ), and potential civil action for damages under the FCRA and FDCPA. 

Sincerely, XXXX XXXX

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: Experian Information Solutions Inc.
State: IN

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, IN, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, IN, 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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:
I am filing a complaint against Experian for inaccurately reporting a charged-off XXXX XXXX account. The account was charged off in XXXX and has had no payment activity since XX/XX/XXXX. However, Experian continues to report monthly charge-off updates through XX/XX/XXXX, which constitutes illegal re-aging under the Fair Credit Reporting Act ( FCRA ). This misrepresents the age of the debt, damages my credit, and falsely signals ongoing delinquency. 

I disputed this account with Experian and requested verification of the original delinquency date, explanation for the continued monthly reporting, and documentation from the creditor to support the accuracy of this information. Instead of correcting the account, Experian merely updated itwithout addressing the violation. 

I also informed Experian that this credit card was used to pay medical-related expenses, which should not be negatively impacting my credit under current CFPB guidance. Experian failed to provide any evidence to refute this claim or confirm the nature of the charges. 

I am requesting that the CFPB take action to require Experian to either : Delete this account entirely from my credit file, OR Update it to reflect a charge-off as of the original XXXX delinquency date only, without further derogatory updates.

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: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IN

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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-02 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXXXXXX XXXX XXXX  BALANCE : {$5100.00}, XXXX XXXX XXXX XXXX XXXX XXXX BALANCE : {$2300.00}, XXXX XXXX XXXX XXXX  BALANCE : {$4000.00}, XXXXXXXX XXXX XXXX XXXX  BALANCE : {$5100.00}, XXXX XXXX XXXX XXXX XXXX BALANCE : {$4100.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and 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 2025-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
XXXX suddenly disrupted scheduled payments. Then sent communication saying the account was impacted by bankruptcy, which I have not had any bankruptcy actions. Now billing is showing suspended until XXXX and I am unable to reach any representative to attempt to correct this. Help service phone line only provides automated messaging for every given prompt. Secure messaging replies with canned replies and does not address the actual billing errors. I don't have any recourse through their service option to remedy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TransferWise Ltd
State: CA

Complaint narrative:
Complaint on Wise - card dispute team XXXX XXXX XXXX XXXX ) I initiated a dispute through the Wise portal regarding XXXX of the charges made using their XXXX debit card. All relevant details, including dates and actions related to the incident, are provided in XXXX XXXX ( attached ). 
Shortly after opening the dispute, communication began with the Wise dispute team. The full exchange is documented in XXXX XXXX ( attached ). Despite repeated and frustrating back-and-forth messages, XXXX eventually responded, stating that they had decided not to proceed with the chargebackan outcome that seems entirely unjustified. The reasoning under XXXX XXXX that he noted in the message, XXXX. The unused portion of the cancelled services or XXXX. The value of the merchandise that the Cardholder returned or, if applicable, attempted to return, both of these XXXX is going by, do not apply to my case. I know that a cardholder is entitled to a refund for the service not rendered as paid for in XXXX 's rules and regulations. 
To clarify, I did not cancel the hotel booking. At the time of payment, I was unaware that we would be given a different room than the one we had originally booked. It is unreasonable to expect someone to cancel a reservation upon arrival, after payment has been made, and find alternative accommodations at the last minute. Doing so would have resulted in further unnecessary expenses, and canceling on the day of arrival would have yielded no refund. 
All I am requesting is a refund for the difference in price between the room we booked and the room we received. This is a straightforward and reasonable expectation. I believe I am entitled to that refund. 
A Wise customer service representative I spoke with understood my concern and encouraged me to submit a complaint here, which I was previously unaware was an option. I am relieved to know there is a way to escalate this without having to forfeit what is rightfully owed to me. 
Frankly, I am unsure whether XXXX and XXXX are actual representatives oXXXX XXXX-generated personas, as their responses consistently failed to acknowledge the core of my complaint, as evidenced in their correspondence. 
I am pursuing a chargeback because neither XXXX nor the hotel is ableor willingto process the refund. XXXX claims they can not issue a refund since the payment did not go through them, and the hotel insists they can not refund because the booking was made through a third party. Despite acknowledging that a refund is justified, neither party seems equipped to resolve the issue. As such, this dispute process appears to be the only viable path forward. 
I sincerely hope my position is clear and that this dispute will be allowed to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: IL

Complaint narrative:
On XX/XX/XXXX of this year I added a autopay account from my bank XXXX that uses XXXX XXXX  XXXX for payments. This account was accepted for automatic payments and on XX/XX/XXXX the automatic payment processed. The account was well funded and being used for multiple other payments and transactions. Going back through XXXX  of emails I found a single email between the payment data and XX/XX/XXXX that explained there was any issue with my payment setup. No phone call at all. They still can't explain why the payment didn't go through. They say it's a " non transactional account ''. That simply not true because I'm transacting out of it all the time. I have found that others have experienced problems with this set-up as well. If the bank is unacceptable for payment then it should have never been approved. I contacted my bank and there is no record of any attempt to withdraw the payment.

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: MD

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-05-02 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: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AL XXXX Subject : Dispute of Fraudulent Accounts and Address Due to Identity Theft 15 USC 1681c-2 Dear To All Parties reporting, I am writing to formally dispute fraudulent information appearing on my credit report due to identity theft, pursuant to 15 USC 1681c-2 , which requires credit bureaus to block information resulting from identity theft upon receipt of appropriate documentation. I am a victim of identity theft, and the following accounts and address listed on my credit report are fraudulent and were not authorized by me. Fraudulent Accounts : XXXX Card ( Account Number : XXXX ) Balance : {$3700.00} XXXX XXXX ( Account Number : Unknown ) Balance : {$1400.00} Fraudulent XXXX XXXX XXXX XXXX, XXXX, AL XXXX These accounts and the address listed above are the result of identity theft perpetrated by alleged former roommates. I have never resided at the listed address, nor did I open or authorize the above accounts. 

Enclosed, please find the following documentation to support my claim : A copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ) is included. Proof of my identity both copy of my drivers license and Social Security card are included Proof of my current address included is a copy of my utility bill for XXXX XXXX XXXX  XXXX, XXXX, AL XXXX Under 15 USC 1681c-2, I request that you immediately block the above-referenced fraudulent accounts and address from my credit report and cease reporting this information. Additionally, please provide me with a written confirmation of the removal of these items and an updated copy of my credit report. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX

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: LEXISNEXIS
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX Subject : Dispute of Fraudulent Accounts and Address Due to Identity Theft 15 USC 1681c-2 Dear To All Parties reporting, I am writing to formally dispute fraudulent information appearing on my credit report due to identity theft, pursuant to 15 USC 1681c-2 , which requires credit bureaus to block information resulting from identity theft upon receipt of appropriate documentation. I am a victim of identity theft, and the following accounts and address listed on my credit report are fraudulent and were not authorized by me. Fraudulent Accounts : XXXX XXXX  ( Account Number : XXXX ) Balance : {$3700.00} XXXX XXXX ( Account Number : XXXX  ) Balance : {$1400.00} Fraudulent Address:XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX  XXXX These accounts and the address listed above are the result of identity theft perpetrated by alleged former roommates. I have never resided at the listed address, nor did I open or authorize the above accounts. 

Enclosed, please find the following documentation to support my claim : A copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ) is included. Proof of my identity both copy of my drivers license and Social Security card are included Proof of my current address included is a copy of my utility bill for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 USC 1681c-2, I request that you immediately block the above-referenced fraudulent accounts and address from my credit report and cease reporting this information. Additionally, please provide me with a written confirmation of the removal of these items and an updated copy of my credit report. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

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: NC

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX 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 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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company response to consumer: Closed with explanation