vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: WI

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$5200.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I deposited XXXX $ inside my bank to open a acccount the next day i get emails saying its closing the transactions i did were already did now theyre putting blocks on my money coming backin in and taking money out without my knowledge i had a XXXX $ withdrawl from the bank and XXXX $ XXXX XXXX order XXXX $ taken out da bank and XXXX $ put back in and a bonus bet for XXXX $ i have the screenshots my balance was XXXX $ the next day its XXXX $ suppose to be XXXX $ plus XXXX $ but has a balance of 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 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
My XXXX  recently XXXX. I requested of pentagon, federal. 
Credit uniond to transfer her balance to my account. After my XXXX  funds were transferred to my account, Pentagon Federal Credit Union locked my ability to do anything with the accounts, and I attempted to close the accounts. I was told by pentagon federal credit union customer servic that they had to review with their XXXX  charge off and will, not release the funds. I had to file for banks seven years ago and another pentagon federal account was um charged off 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 monetary relief
Consumer complaint received 2025-04-14 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: WA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

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 2025-04-14 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-14 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This account should have been DELETED FOR SEVERAL REASONS AND THEY ARE LISTED BELOW AND THE ACCOUNTS XXXX. A " charge-off '' to the IRS, XXXX the context of debt, means the creditor has written off the debt as uncollectible and no longer expects to receive payment. This doesn't mean the debt is forgiven, but rather that the creditor has made a business decision to no longer pursue it. The IRS may consider the amount of the charge-off as income to the debtor, especially if it's part of a debt settlement. Also this a 2. 15 USC 1681b states you need to have my written instructions from me, to report to my personal credit report. 
XXXX. ATTACHED is a FTC/ IDENTITY report XXXX. This has all happen do to equifax data breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Validation and Dispute of Alleged Debt MCM Account Number : XXXX To Whom It May Concern, I am writing regarding the alleged debt in the amount of {$1200.00} that you claim is owed on behalf of XXXX XXXX XXXX  I dispute the validity of this debt and request full validation under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g.

In order to properly validate this alleged debt, please provide me with the following documentation : 1. Original Account Information : The original account number associated with this debt. 
The original name of the creditor ( XXXX XXXXXXXX XXXX ) as it appeared on the initial account agreement. 
2. Account Opening & Payment Details : The date the account was opened.

The date of the last payment made on the account.

The amount of the original debt when the account was first established.

3. Itemized Account History : An itemized statement showing the complete history of the account, including all charges, fees, interest, and payments, detailing how the current balance was calculated.

4. Validation Documents : A copy of the Purchase Agreement/Assignment that evidences the transfer of the debt from XXXX XXXX XXXX to Midland Credit Management , including supporting documentation regarding the securitization of the account, if applicable. 
Documentation verifying the complete chain of title for this debt. This should detail all successive transfers and assignments proving your legal authority to collect on this alleged debt. 
5. Personal Identification Confirmation : Information that confirms the account in question correctly reflects my full Social Security number. 

Until I receive the requested documentation, I dispute the validity of this alleged debt. Under the FDCPA, you are required to cease all collection activities until you provide the requested validation. If you are unable to supply the required documentation within 30 days of receiving this letter, you must cease all collection efforts and remove any negative or inaccurate information regarding this account from my credit reports. 
Failure to comply with these requirements may result in me filing a complaint with the Federal Trade Commission ( FTC ), and my state attorney generals office. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$330.00} Charged Off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged Off XXXX XXXX Date Opened : XX/XX/XXXX XXXX Owed : {$0.00} Charged Off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged Off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged Off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$350.00} Collection XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$590.00} Collection XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00} XXXX XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Collection XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$19000.00} Collection Inquiries in Dispute : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: FL

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$330.00} Charged Off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged Off XXXX XXXX Date Opened : XX/XX/XXXX XXXX Owed : {$0.00} Charged Off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged Off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged Off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$350.00} Collection XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$590.00} Collection XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00} XXXX XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Collection XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$19000.00} Collection Inquiries in Dispute : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
Entries for late payments appear on my report that I believe to be inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report is required to contain only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, that they be corrected or removed.

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 2025-04-14 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: TX

Complaint narrative:
Entries for late payments appear on my report that I believe to be inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report is required to contain only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, that they be corrected or removed.

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 2025-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
I have tried multiple times to set up auto pay for my loans and they continue to not renew monthly resulting in missing multiple payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-04-14 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: PA

Complaint narrative:
I am writing to express serious concerns regarding several discrepancies I have identified in my credit report. Upon review, I discovered multiple inaccuracies, including incorrect account entries, unauthorized inquiries, inconsistent billing information, and accounts that do not belong to me. These errors are negatively affecting my financial stability, and I urgently seek your assistance in resolving them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: CO

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15. US. Code 168e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following item from my credit report, immediately. 

Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation