vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 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 a late payment on the XXXX  account XXXX Account XXXX. XXXX ), despite the balance and past due amount both being {$0.00}. This is a contradictory and harmful reporting error. How can an account be marked delinquent or past due if there is nothing owed? TransUnion is legally required under 15 USC 1681e ( b ) to ensure all furnished data is accurately represented. By continuing to reflect a late payment status with a zero-dollar past due amount, they are publishing misleading and materially false information. This is likely a result of either a data breach or poor data hygiene, both of which are inexcusable.

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 2025-05-05 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: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
" I am disputing the accuracy of this account information as it does not reflect the correct status. I have contacted the creditor regarding this matter and requested validation of the debt. I believe this entry is inaccurate and request it be investigated and corrected or removed. Please see supporting documentation for more details. ''

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

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

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 2025-05-05 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: GA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 2025-05-05 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XX/XX/XXXX To Whom it may concern, I am writing to formally dispute certain items on my credit report, as I have been a victim of Idenity theft, which I believe XXXX be connected to the well- publicized XXXX XXXX breach that occurred in XXXX. Under the Fair Credit Reporting Act ( FCRA0, specifically 15 U.S. CODE 1681i and 1681c-2, I am requesting an immediate reinvestigation a removal of all fraudulent accounts and inquiries that resulted from this identity theft. 

The following accounts and /or inquiries listed on my credit report are unauthorized and were not opened or initiated by me : AFFIRM : XXXX XXXX XXXX XXXX CREDIT CARD XXXX BANK- 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 INQUIRY XXXX XXXX XXXX  XXXX XXXX Pursuant to 15 U.S.C. 1681c-2, you are required to block the reporting of any information that is the result of identity theft within XXXX business days of receiving proof of identity and a valid identity theft report. In addition, under 15 U.S.C. 1681i, you must conduct a reasonable reinvestigation of the disputed information within 30 days. 

Please confirm in writing when these fraudulent items have been removed from my credit file. If you require additional information, do not hesitate to contact me at the address or phone number above. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX XXXX XXXX XXXX

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: VA

Complaint narrative:
XXXX XXXX has not provided a request to opt out in reporting to any third party such as experian, XXXX  and 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 2025-05-05 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX has not provided a request to opt out in reporting to any third party such as XXXX, Equifax and XXXX.

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

Complaint narrative:
XXXX XXXX has not provided a request to opt out in reporting to any third party such as XXXX, XXXX  and TransUnion.

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 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
RE : Response to PNC Bank Letter Regarding CFPB Case Numbers XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Subject : Unauthorized Account XXXX XXXX XXXX ( Account # XXXX ) I am submitting this personal statement in connection with a dispute and report of unauthorized activity involving an account listed under my name. The account in question is with XXXX XXXX XXXX, identified by account number XXXX. 

I did not open this account, nor did I authorize anyone to open it on my behalf. I have never applied for or had any interaction with XXXX XXXX XXXX, and I have not given written or verbal consent for themor any affiliated partyto access or use my personal information or credit file. 

This account was reported without my knowledge or permission and appears to be the result of either identity theft or another form of unauthorized use of my information. I am requesting that this account be removed from my credit reports and that any associated inquiries or negative entries be deleted. 

I affirm that the information in this statement is true to the best of my knowledge and is being provided to support my identity theft report and the removal of this fraudulent account.

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 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am writing to formally lodge a complaint against American Express regarding the abrupt and unexplained closure of both my personal and business accounts under their Responsible Lending Action ( RLA ) policy. This action was taken without prior notice, opportunity for remediation, or a clear and substantive explanation. 

I have been a loyal American Express cardholder since 2012, maintaining accounts in good standing. I held XXXX personal card and XXXX business card, the latter of which was tied to a XXXX XXXX XXXX. Despite my repeated requests to American Express to unlink these XXXX distinct profiles, due to their separate legal and financial natures, these requests were consistently disregarded. 

Subsequently, both accounts were abruptly closed simultaneously. I was not contacted, warned, or provided with any opportunity to address potential concerns. The sole justification offered was that the closures were the result of an internal decision under the RLA policya nebulous explanation that lacks transparency and suggests the application of unclear and potentially arbitrary criteria. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure the following resolutions : A written, detailed explanation from American Express specifying the exact credit data, risk metrics, or internal criteria that justified these account closures, and an explanation as to why no prior notice or remediation path was offered. 
Correction of any negative credit reporting, including a revision of the closure status to closed at consumers request if no wrongdoing is cited, to prevent unwarranted damage to my personal credit history. 
Full restoration or reimbursement of any Membership Rewards points or statement credits associated with the closed accounts. 
Formal acknowledgment and documentation that the XXXX business account was a separate legal entity and that its closure was not due to misuse or delinquency. 
Clarification on reinstatement eligibility or a clearly defined, time-bound reapplication window ( e.g., after 90 days ) to ensure that I am not permanently blacklisted from future American Express XXXX XXXX due process. 
The abrupt closure of these accounts has caused significant harm to both my personal credit profile and my business operations. The lack of transparency and disregard for a long-standing customer relationship is unacceptable and inconsistent with responsible lending practices. 

I urge the CFPB to conduct a thorough investigation and obtain a formal response from American Express through the appropriate channels. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-05 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: GA

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 - XX/XX/XXXX - {$3800.00} XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX Incorrect Name - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX EMPLOYER - XXXX XXXX XXXX XXXX - XXXX 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 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On Saturday XX/XX/XXXX I got a letter in the mail from Wells Fargo that contained a Debit Card for a new banking account. I do not currently have any accounts with Wells Fargo, nor have I ever opened an account with them. I called Wells Fargo the XXXX of Monday XX/XX/XXXX to initiate a fraud investigation into the account creation. They have begun that process and there are XXXX open case files with them to investigate and close the account.

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 2025-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
In XX/XX/year>, I was told by a representative that I could pay my taxes separately from my escrow since I was in good-standing in the last year. I requested to do so with the representative. However, a letter from Shellpoint stated that I couldn't because I have a loan modification. The representative had all of this information when information me that I could pay my taxes separately. 

A loan modification XXXX years prior has nothing to do with paying taxes separately now. the escrow was not added as a condition of the modification but was added when I first took out the mortgage loan before it was transferred to them.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Waypoint Resource Group, LLC
State: GA

Complaint narrative:
I recently filed a complaint with the XXXX XXXX XXXX regarding a collection account being reported by waypoint resource group, who responded stating that they are no longer handling my account and that I should contact XXXX directly. 

If the agency is no longer servicing or collecting this debt, they should no longer be reporting it to the credit bureaus. The continued reporting of this account is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that only accurate and verifiable information be reported. 

Additionally, no verification or supporting documentation has been provided to validate this debt. I am requesting that this account be removed from my credit file immediately, as it is no longer valid or within the agencys authority to report. 

Please update my credit file accordingly and provide written confirmation of the deletion.

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 2025-05-05 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: Nelnet, Inc.
State: PA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

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

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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

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