vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am writing to request verification of the debt referenced above, which you claim I owe. This is not a refusal to pay but a request for information regarding your claim. I assert my right to a written validation of this debt under the laws set forth in the Fair Debt Collection Practices Act.

Please provide the following : 1. Verification and validity of the debt, including the amount owed and calculations to substantiate the sum, as well as a breakdown of any fees, interest, or other costs added.

2. A copy of the original signed agreement or instrument that states I agreed to pay the creditor.

3. Verification that your agency is legally permitted to collect this particular debt in my state, including licensing information.

4. The name and address of the original creditor.

5. Details of the last payment made on this account, showing any transactions related to this account.

Please note that I request all future communication regarding this matter be conducted in writing.

If you can not provide the requested information, I expect the collection attempt to be ceased and for this account to be removed from my credit report with any bureau to which you may have reported.

While you are verifying this debt, I would appreciate your cooperation by halting any future collection activities. In accordance with my rights, please provide the requested documentation to help me better understand and validate your claim.

Thank you for your prompt attention to this matter. 

Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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 writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
Dear Navient, you can't lie to me and the government and say you never serviced my loan. See screenshots. You held my loan for XXXX  years then sold it to XXXX when CFPB sued you. YOU NEED TO ADDRESS THE COMPLAINT BELOW. To CFPB : THEY ARE ACTING ILLEGALLY. 

Navient should have discharged my loans after forcing me into multiple interest-bearing " deferments '' that I never should have been in. I am wondering why I was not discharged with the others during the Navient lawsuit. I FULFILL ALL THE REQUIREMENTS. I slipped through the cracks somehow. I need answers. This loans should not be currently valid. I NEED A DIRECT ANSWER WHY THESE WERE NOT DISCHARGED BASED ON THE FOLLOWING : XXXX, XXXX Today, the Consumer Financial Protection Bureau ( CFPB ) filed a proposed order against the student loan servicer Navient for its years of failures and lawbreaking. If entered by the court, the proposed order would permanently ban the company from servicing federal Direct Loans and would forbid the company from directly servicing or acquiring most loans under the XXXX XXXX XXXX XXXX XXXX. These bans would largely remove Navient from a market where it, among other illegal actions, steered numerous student loan borrowers into costly repayment options. Navient also illegally deprived student borrowers of opportunities to enroll in more affordable income-driven repayment plans and forced them to pay much more than they should have. Under the terms of the order, Navient would have to pay a {$20.00} XXXX penalty and provide {$100.00} XXXX in redress for harmed borrowers. '' YOU CAN NOT DENY YOU SERVICED MY LOAN I HAVE SENT PROOF AND NOW I NEED AN ANSWER WHY YOU SOLD THE LOAN AND DIDNT DISCHARGE IT AS WAS REQUIRED BY LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: ME

Complaint narrative:
Venmo- I was called on XX/XX/XXXX by a " XXXX XXXX XXXX stating that they were from my local XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX in XXXX, Maine. They stated that they had mailed me a notification letter that I was to attend court, and that I had missed this court date. They stated that since I had missed the court date, I now had a failure to appear charge on me, as well as a contempt of court charge. They stated with these XXXX charges I now owed the XXXX XXXX XXXX XXXX XXXX {$1100.00}. I asked about the details of this as I had not recived any notice to come to court, and they gave me my previous mailing address where I no longer live. They stated that this may be the reason why I did not get the notice for some reason but that regardless that these charges were in active status. I asked about coming to pay this at the courthouse or the XXXX XXXX and they said that since they were active charges if I was to be pulled over or step onto the federal grounds of the courthouse or jail that I would be arrested. They asked me to pay this over the phone so he could put these charges into a " hold '' status until things were figured out. They asked if I had any way to pay this over the phone such as through a mobile banking service. I stated yes and provided them my Venmo. I received a request from a " Keiarra Walls '' on Venmo which had a profile picture of a seal stating, " Department of Justice. '' I was told she was the collections clerk for the XXXX XXXX XXXX and that once this was paid that my charges would go into a hold status and I would be able to come to the XXXX XXXX XXXX and meet him in the lobby, and we could figure out what was going on. He stated I could also get a printout of this conversation for legal purposes as this sounded like someone at the jail had made a mistake but regardless, if I paid, he would meet me in the lobby of the XXXX XXXX XXXX and provide me with a refund check once my charges were cleared if this truly was a mistake. I told him that this sounded like a scam, and he insisted that if I hung up that they would send out police officers to come arrest me. He stated that he could prove it was the jail by having his supervisor call me to confirm it was real. I then received a call from the jail phone number and a second man stated that this was all accurate and that I could decide to pay or be arrested. Because of all this, the transaction was completed on Venmo and it turned out to be a scam, as afterwards I called the jail, and they stated that they did not have anyone working there named XXXX XXXX. I disputed the transaction on Venmo and have heard absolutely nothing for over XXXX weeks. I have disputed this with my bank, and they have said that this needs to go through Venmo.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: AZ

Complaint narrative:
Upon reviewing my credit record, I discovered the presence of late payments that I believe to be inaccurate or improperly reported. Despite sending correspondence to the creditors over 30 days ago requesting validation and clarification of these entries, I have not received any response or satisfactory documentation to support their claims. The lack of proper validation raises serious concerns about the accuracy and legitimacy of these reported late payments on 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 non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing to request verification of the debt referenced above, which you claim I owe. This is not a refusal to pay but a request for information regarding your claim. I assert my right to a written validation of this debt under the laws set forth in the Fair Debt Collection Practices Act. 

Please provide the following : 1. Verification and validity of the debt, including the amount owed and calculations to substantiate the sum, as well as a breakdown of any fees, interest, or other costs added.

2. A copy of the original signed agreement or instrument that states I agreed to pay the creditor.

3. Verification that your agency is legally permitted to collect this particular debt in my state, including licensing information.

4. The name and address of the original creditor.

5. Details of the last payment made on this account, showing any transactions related to this account. 

Please note that I request all future communication regarding this matter be conducted in writing. 

If you can not provide the requested information, I expect the collection attempt to be ceased and for this account to be removed from my credit report with any bureau to which you may have reported. 

While you are verifying this debt, I would appreciate your cooperation by halting any future collection activities. In accordance with my rights, please provide the requested documentation to help me better understand and validate your claim. 

Thank you for 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 non-monetary relief
Consumer complaint received 2025-06-10 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: DE

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 - {$620.00}

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 2025-06-10 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: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX. These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a XXXX XXXX, Identity Theft and XXXX. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, 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 2025-06-10 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to formally dispute certain accounts listed on my Experian credit report that are the result of identity theft. Despite following the proper legal procedure as outlined under the Fair Credit Reporting Act ( FCRA ), Experian has failed to conduct a proper investigation or remove these fraudulent items from my credit report in a timely and lawful manner. 

I have taken all required steps : I submitted an Identity Theft Report filed with the Federal Trade Commission ( FTC ). 

I completed and submitted the Identity Theft Affidavit. 

I provided government-issued identification and a copy of my Social Security card for identity verification. 

I requested removal of the fraudulent accounts in writing, as per FCRA Section 605B.

Under the FCRA, Experian is legally required to block fraudulent information from a consumers credit report within four ( 4 ) business days of receiving proper proof of identity theft and documentation. To date, this has not been done, and no adequate explanation or proof of investigation has been provided. 

This failure to comply with federal law is causing me significant harm, both financially and emotionally. These inaccurate and fraudulent debts are impacting my ability to secure housing, employment, and credit, and are tarnishing my reputation. 

Furthermore, Experian has previously been subject to legal action for similar failures to comply with the FCRA. It is concerning that despite such scrutiny, your company continues to violate consumer rights.

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 2025-06-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
As part of the Equifax settlement I received a prepaid debit XXXX. I added it to my XXXX XXXX  and it was declined everywhere. So called the company and they sent me a physical card. Now the physical card is also declined. Called XXXX and there is no way to speak with a human being. The internet is full of complaints about the Equifax debit cards not working. Suggestion for CSFB : Fine them 3x the original fine for wasting everyone 's time with fraudulent cards. Suggestion for Equifax : send the money you owe me to my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX  XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$1800.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$2300.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$5100.00} XXXX # XXXX XX/XX/XXXX -- {$4000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$140.00} XXXX XXXX  XXXX # XXXX XX/XX/XXXX -- {$1900.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$1700.00} XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX  ) # XXXX XX/XX/XXXX -- {$1500.00} XXXX # XXXX XX/XX/XXXX -- {$320.00}

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 2025-06-10 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: IL

Complaint narrative:
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 2025-06-10 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Incorrect updating of credit reporting of derogatory information. Late pay, ents were deleted from Wells Fargo account and they changed the report but failed to delete late payments from record. They just shifted the late payment status from XXXX month to another, the entire late pay, ent status should be deleted based on company admission and deletion of late payments. Company also records incorrect balance of 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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Victim of identity theft Filed disputes regarding this matter with the credit bureaus Have not gotten any meaningful solution They send me repeated mails They failed to handle this case according to the law

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 2025-06-10 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: AR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to request verification of the debt referenced above, which you claim I owe. This is not a refusal to pay but a request for information regarding your claim. I assert my right to a written validation of this debt under the laws set forth in the Fair Debt Collection Practices Act.

Please provide the following : 1. Verification and validity of the debt, including the amount owed and calculations to substantiate the sum, as well as a breakdown of any fees, interest, or other costs added.

2. A copy of the original signed agreement or instrument that states I agreed to pay the creditor.

3. Verification that your agency is legally permitted to collect this particular debt in my state, including licensing information.

4. The name and address of the original creditor.

5. Details of the last payment made on this account, showing any transactions related to this account.

Please note that I request all future communication regarding this matter be conducted in writing.

If you can not provide the requested information, I expect the collection attempt to be ceased and for this account to be removed from my credit report with any bureau to which you may have reported.

While you are verifying this debt, I would appreciate your cooperation by halting any future collection activities. In accordance with my rights, please provide the requested documentation to help me better understand and validate your claim. 

Thank you for your prompt attention to this matter. 

Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief