vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION 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 you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-04-02 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: TX

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 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 2025-04-02 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Sincerely, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX, XX/XX/year>.

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 2025-04-02 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: MS

Complaint narrative:
After sending letters for months and months, Experian did not accurately investigate the negative items 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 2025-04-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: AZ

Complaint narrative:
I am disputing a rental collection account from RENTDEBT Automated that appears on my XXXX credit report. 

In early XX/XX/2023, I underwent emergency surgery and remained hospitalized from XX/XX/XXXX to XX/XX/XXXX. During this time, I was physically incapacitated, on life-support equipment, and unable to manage my affairs. Upon regaining consciousness on XX/XX/XXXX, my first action was to instruct my ex-husband to return the apartment keys to the leasing office and inform them that I had undergone major surgery and could no longer continue the lease. He did so in person, notifying the office of my hospitalization and indefinite recovery. 

At that point, there were still about two weeks left in the paid rental period, and a {$500.00} deposit remained with the landlord. I had no income, no savings, and was covered by XXXX ( Arizona Medicaid ) throughout this entire time. I did not return to work or begin earning income until XXXX XXXX  due to ongoing pain, surgical recovery, and XXXXXXXX XXXX XXXX XXXX. 

This debt resulted from a medical crisis that rendered me unable to meet my lease obligations. I was not given any opportunity for a reasonable accommodation under the Fair Housing Act, and my oral requestdelivered through a representativeshould have been acknowledged as such. I believe this collection account misrepresents my creditworthiness and fails to account for serious, documented hardship. 

I provided documentation to XXXX, including a physicians letter, XXXX proof, and tax records, but they refused to remove the account. I am now requesting that CFPB intervene and require the furnisher ( RENTDEBT Automated ) or XXXX to remove this item from my credit report, as it stems from circumstances beyond my control, involving disability-level medical hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I am submitting this complaint because a closed installment loan account with NetCredit is continuing to report inaccurately and negatively on my credit file. 

As of XX/XX/XXXX, the account reflects a {$0.00} balance and is marked as closed, yet it is still being reported as In Collections and Derogatory. It is also listed as Purchased by another lender, but no other company has reached out with proper validation, and no new owner is actively furnishing data. 

Under the Fair Credit Reporting Act ( FCRA ), all credit report entries must be 100 % accurate, complete, and verifiable. In this case, the information being reported is misleading and potentially damaging to my credit profile. It is unclear who currently owns this account, and there has been no validation or contact regarding its legal standing or reporting authority. 

I am requesting that the CFPB investigate this matter. If NetCredit no longer owns the account and can not validate its continued reporting, the account should be corrected or removed from my credit report entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I called Bank of America to refund or reverse a payment of {$18000.00} that I had erroneously sent to my Bank of America Visa, for which I have no payment due or balance owed. I was informed that the funds would be transferred to my Bank of America checking account within XXXX business days. 

On XX/XX/XXXX I noticed that nothing had been done and called Bank of America customer service again. The customer service representative told me that I had been misinformed and the transaction would actually take 10 days to complete. 

On XX/XX/XXXX I noticed that nothing had been done, despite waiting more than XXXX business days. I was informed by the customer service representative that the {$18000.00} credit balance refund from my Bank of America Visa to my Bank of America checking account would take up to 2 billing cycles. That's two months of being unable to access my own money that I need to pay my bills because Bank of America simply refused to transfer my money from my credit card account to my checking account - all within the same institution. While the initial error was my own, it's unacceptable for Bank of America to continually give me incorrect information and add increasing delays to what should be a simply and virtually instantaneous transaction. If it takes 24 hours to move money from my checking account to my credit card account, it should not take 60 days to reverse that simple transaction. Moreover, this delay has already cost me over {$400.00} in interest payments for the XXXX XXXX credit card that I trying to pay off with the money that I intended to put in my Bank of America checking account. Further delay will cost me at least another {$400.00}. That is absolutely anti-consumer.

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 2025-04-02 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-02 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: CO

Complaint narrative:
I am outraged to find serious reporting errors on my TransUnion credit report that should never have been included. These inaccuracies are not minorthey are actively sabotaging my financial standing and restricting my opportunities. I have disputed these errors before, yet they remain uncorrected. This ongoing failure to maintain accurate records is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), I have a legal right to a completely accurate and verifiable credit report. If these disputed accounts can not be substantiated with irrefutable proof, they must be deleted immediately. I demand a full reinvestigation and expect immediate corrective action. This is not a requestit is a demand for compliance with federal law. Any failure to act will be treated as willful negligence and will not be ignored.

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 2025-04-02 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: NJ

Complaint narrative:
In XX/XX/year>, I brought my XXXX XXXX XXXX XXXX XXXX XXXX account into good standing after a temporary financial hardship. Since then, XXXX has updated their reporting and removed the negative marks from my credit file. However, Experian continues to report the late payments, creating a harmful and inconsistent record across credit bureaus. 

This discrepancy is unfairly lowering my credit score by over XXXX points, despite the fact that the account is no longer delinquent and is currently in good standing. These lingering negative marks are significantly impacting my ability to secure housing, and Ive exhausted every good-faith effort to resolve this directly with the creditor and Experian.

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 2025-04-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: VA

Complaint narrative:
I received a debit card from Chime in the mail, I did not open an account with Chime. The debit card paperwork included a form to set up direct deposit that listed account information with XXXXXXXX XXXX  account that does not belong to me. Details for both the bank account and debit card were included in the form that I submitted as part of this complaint. I called the phone number on the back of the debit card twice, I spoke with two different representatives. Neither could find the account with the debit card account number, first and last name, address combination and both representatives repeatedly stated that they could not help me further unless I provided date of birth, or last four of my social to help find the account. I refused, given that I am now already concerned about this company and identify theft. The second time I called I spoke with XXXX XXXX refused to give last name or extension ) who said she could notwould not transfer me to a supervisor with additional info. I then looked up XXXX phone number and called, I couldn't speak with a human. I entered the account number listed on the form and an automated system stated the account could not be located.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The following unauthorized charges were made to my Wells Fargo Business Account : 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 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  will not credit my account for any of these charges. They said I have to talk with Wells Fargo. I spoke with Wells Fargo. They credited the most recent 4 charges but said XXXX should credit more. XXXX XXXX just keeps giving me the runaround. I was transferred to XXXX different departments and nothing was done to address the fraudulent charges and credits back to my 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 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the ongoing and unacceptable issues related to my account XXXX XXXX XXXX account number XXXX. Despite my prior attempts to resolve these matters, it is clear that the situation has been mishandled with both negligence and disregard for customer satisfaction. 

To date, I have received no satisfactory response or resolution, despite being entitled to accurate account handling under the terms of our agreement. It is not only highly frustrating but completely unacceptable that I am being forced to address this issue once again. I expect the immediate correction of the discrepancies on my account, and failure to do so will leave me with no choice but to escalate this matter.

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 2025-04-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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  
EXPERIAN, 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 has violated my rights. 
I looked at my XXXX XXXX Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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. 
and according to 15 USC 1681s-2 they are suppose to 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 2025-04-02 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Request for CFPB Assistance : Removal of Fraudulent Account and Compensation for Damages I, XXXX XXXX XXXX XXXX, request your urgent assistance with a fraudulent collection account ( # XXXX ) by XXXX XXXX XXXX on my credit report from TransUnion, Experian, and Equifax. I have no contract with XXXX, making this debt invalid and its reporting illegal, yet it remains, damaging my credit score and financial opportunities.

Why Its Unlawful FCRA ( 15 U.S.C. 1681e ( b ), 1681i ( a ) ( 1 ) ( A ) ) : CRAs must ensure accuracy and investigate disputes, but theyve failed to remove this unverified, non-contracted debt.

FDCPA ( 15 U.S.C. 1692e ( 2 ) ( A ), 1692e ( 8 ) ) : XXXX deceptive reporting of a false debt is prohibited. 

MCPA ( Md. Code, Com. Law 13-301 ( 1 ) ) : This is a deceptive trade practice.

MCDCA ( Md. Code, Com. Law 14-202 ( 8 ) ) : Qualia cant enforce a non-existent debt.

IRS ( 26 U.S.C. 6050P ) : If canceled via Form 1099-C, reporting it is 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 explanation