vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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: TX

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2025-03-26 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: GA

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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:
I was alarmed that there are inaccurate late payment remarks on 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 explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  for a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I am disputing a collection account with reference number XXXX, which was reported under the name XXXX XXXX XXXX. This is not my legal name. My full legal name is ngel XXXX XXXX XXXX. 

This discrepancy violates 15 U.S.C. 1681e ( b ) of the FCRA, which requires credit reporting agencies to maintain procedures to ensure maximum possible accuracy. It also violates 15 U.S.C. 1681i, which gives me the right to dispute any inaccurate or unverifiable information and have it deleted immediately if it can not be verified.

I am requesting CFPBs involvement because both the original creditor and the collection agency failed to report accurate personal information. This account was assigned to a name that does not legally belong to me, and there is no valid documentation linking my identity to this debt. 

I do not authorize any correction of the name. This information is inaccurate from the start and must be permanently deleted from my credit report as required by law. 

Attached to this complaint are the following documents : A copy of the letter sent by XXXX XXXX XXXX XXXX XXXX XXXX showing the incorrect name A copy of my government-issued ID with my correct legal name A utility bill as proof of address I respectfully ask the CFPB to investigate this matter and provide a written response with the outcome of this complaint. As a consumer, I trust my rights will be protected under the FCRA. 

Sincerely, ngel 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
Consumer complaint received 2025-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Someone made a fraud purchase on my Discover credit card even though It was at my possession on XX/XX/XXXX for {$440.00}. I was home during this time and I got a text message that my card was used and i immediately called discover fraud department and told them that i did not make any purchase and that It was fraud. I also told them why they let a big purchase go through without confirming that It was me or not. They did an investigation and I got a call last week that they denied my investigation and stated It was not fraud. They even sent me a receipt and It showed It was Someone elses name on the purchase. They called me and I complained to them that It was not me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: MO

Complaint narrative:
On XX/XX/XXXX, my mother legally gifted me {$30000.00} via wire transfer from her bank for the purpose of investing in cryptocurrency. I deposited the funds into my personal bank account and used them to purchase assets on Gemini.com. On XX/XX/XXXX, I submitted a withdrawal request to move the assets off the exchange. 

On XX/XX/XXXX, I submitted all requested documents to Gemini, including a government-issued ID, my statement showing the wire transfer, the official receipt of the wire transfer, a signed source of funds letter from my mother detailing the gift, her occupation, and the legitimacy of the transaction. I submitted a personal letter explaining my occupation and identity. I am a U.S. citizen with no criminal history and no violations of any kind. I also authorized Gemini to contact the manager of the bank that handled the wire transfer.

Despite my account being verified and unrestricted, Gemini has withheld my withdrawal without any valid legal explanation or communication. As of today, it has been over 23 days with no response to 10 follow-up emails and no status update of any kind. I have made every effort to comply and communicate in good faith. Gemini continues to withhold my assets while refusing to engage, respond, or provide justification. 

Their prolonged silence and obstruction has caused measurable financial stress, wasted time, and has violated basic consumer rights and fair access to funds. I am requesting immediate assistance to compel Gemini to release my assets or provide a written explanation stating the legal basis for this delay. All documents and communication attempts have been recorded and can be provided upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: CO

Complaint narrative:
I am following up due to the inadequate response to my previous inquiry. I would like the opportunity to refinance my loan ; however, the issue of improperly accrued interest on my loans remains unresolved. Additionally, when I contacted Mohela by phone, I was informed that I was placed into a two-month forbearance due to updating my financial information during the recertification process for the SAVE program. According to the Department of Education, interest should only accrue when changing the repayment plan type, which I have not done. Please see attachments for continued accrual interest and e-mail for the DOE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Dispute of Inaccurate Information Under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) Dear Experian, I am writing to formally dispute inaccurate information on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ). Upon reviewing my credit report, I have found the following inaccurate or unverifiable information that must be investigated and corrected : I disputed these accounts on this day XX/XX/year> before these reasons Not Accurate. Experian completed there investigation on this day XX/XX/year>. I am requesting the procedure that was used to determine the accuracy an completeness of this information that I disputed. 

1. Who did Experian interview regarding this account?

2. How did you come to this determination?

3 What number did you call?

4. Provide a detailed explanation of the investigation process and include supporting evidence to validate the information in question. 

5.Send me an updated copy of my credit report that reflects any changes made. 

XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX # XXXX As required by federal law, I am requesting that Experian provide a description of the reinvestigation procedure used to verify the accuracy of this information. According to 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), you are legally required to provide this information upon request, and I am now making that request in writing.

Additionally, if you are unable to verify the accuracy of the disputed information, I demand that it be removed from my credit file immediately, as required by the FCRA. Please send me written confirmation of the results of your investigation at the address listed above.

Enclosed with this letter, I have included copies of my identification ( drivers license or utility bill ) and supporting documents to assist in your investigation. I expect a response within the legally required timeframe of 5 days from the date of Experian Verified receipt of this dispute. I understand CFPB is suing Experian for sham investigation which has Me Concern.

Failure to comply with my request will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue my rights under the law. 

Please confirm receipt of this dispute and provide all requested information as required. I appreciate your prompt attention to this matter. 

Sincerely, 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 2025-03-26 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: NY

Complaint narrative:
According to the IRS an unpaid charge off is income and according to the FCRA, Income can not be reported on a credit report. I'm requesting a 1099-C ( cancellation of debt ) from the following charge off account listed below. XXXX ( account number : XXXX ). After checking my most recent report, the account was purchased by XXXX XXXX XXXX. This account can not be reported as a charge off on my credit report if the account was sold to another lender.Please send the 1099 -C form.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
According to the IRS an unpaid charge off is income and according to the FCRA, Income can not be reported on a credit report. I'm requesting a 1099-C ( cancellation of debt ) from the following charge off account listed below. XXXX ( account number : XXXX ). After checking my most recent report, the account was purchased by XXXX XXXX XXXX. This account can not be reported as a charge off on my credit report if the account was sold to another lender.Please send the 1099 -C form.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
The account says closed and then after months of it being closed now its late payments added

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The account says closed and then after months of it being closed now its late payments added

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: WA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently reviewed my report and was shocked to find multiple inaccuracies that are harming my scores. These mistakes have already resulted in financial setbacks, unnecessary stress, and lost opportunities. It is deeply frustrating to be held back by errors that should not be affecting 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 2025-03-26 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 recently reviewed my credit report and noticed some fradulent accounts. Please remove all fraudulent accounts.They are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Im not able to login to my account and get my free online credit report from TransUnion. The message on the TransUnion website says : Your Account Is Suspended. TransUnion customer service refused to give me an access to my online account. They said TransUnion Corporate office blocked me and dont allow me to get my crefit report online. I called customer service and they said they are not able to fix the problem. The agent told me that TransUnion deactivated my account because Im from XXXX. This is harassment and discrimination.

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 2025-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FC HoldCo LLC
State: CA

Complaint narrative:
Want the debt removed was identity theft its not mines

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: LA

Complaint narrative:
I started school in 2020 applying for financial aid. I remember making three payments back to the school, but I never seen a bill with the correct balance on it. It got added to my credit report a year and some time later again still not reporting the correct amount. Currently my credit report is reading, the student loans have been continuously paid, and therefore the account is in good standing. Its also under my closed accounts. Also, it shows that Ive missed a payment when I havent paid anything. No contract was ever given to me so Im very confused on whats going on with my credit report and this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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 demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifythese issues. 
Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: TX

Complaint narrative:
This account should not be on my credit it was dismissed with with no balance due is paid everything included is court dismissed paper credit is collection i didn't give permission for them to have my information name of the company reporting the information is National credit systems with a balance of {$6000.00} for sodel apartments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This account was open fraudulently most likely by an ex partner but in my name. As a business account it is now showing on my credit report and although fraudulent I still tried to take care of the transaction but the account is no longer active and no login exists. Any contract from this company should be null and void as it was closed due to XXXX company problems. This is fraud and I believe it should be dealt with. Many other complaints online similar are calling for filing a lawsuit as am I.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC
State: VA

Complaint narrative:
I inquired about balance of loan and status. I would like to undertow account is closed to understand the validity of account of account if balance was paid by off through insurance claim from credit card company there should be no balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I inquired about balance of loan and status. I would like to undertow account is closed to understand the validity of account of account if balance was paid by off through insurance claim from credit card company there should be no balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: TX

Complaint narrative:
My account 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 21 days before the payment due date.

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

I have requested proof that this information was mailed or delivered 21 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