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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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: Maximus Federal Services, Inc.
State: SC

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
last year i was a victim of identity theft. This year a new account showed up on my credit report. I did an amendment on my police report to include the new account

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: CA

Complaint narrative:
last year i was a victim of identity theft. This year a new account showed up on my credit report. I did an amendment on my police report to include the new 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 2025-04-14 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: NJ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

XXXX. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/year> Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ).

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry.

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
XX/XX/year> Found out about debt with credit pull Found out this debt was billed and handled incorrectly by the original billing company. Spent hours with them and they said they were submitting for complete dismissal of debt. they had incorrectly handled a XXXX XXXX XXXX debt. When XXXX was made aware of this they refused to remove from the credit report. I was told by the original debtor it should be removed while they are processing their side as it is not correct info. Fair Credit Reporting Act demands removal of erroneous information to be taken off the credit. The debtor asked XXXX to take this off and they refused to handle properly or verify the info being presented to them as incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I am writing to formally demand that Penn Credit Corporation immediately cease all forms of communication with me, as well as with any third parties regarding any alleged debt or account claimed to be associated with me. 

This complaint serves as a notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), to request that you cease all communication with me and with any third parties regarding this matter. This includes, but is not limited to, phone calls, letters, emails, or any other form of contact. 

Please be advised that any further contact from your company or its agentsother than as permitted under the FDCPAwill be considered a violation of federal law, and I reserve the right to take further legal action to protect my rights. 

Additionally, I request that you provide written confirmation that this request has been received and that all future communications will be halted as demanded. 

Thank you for your immediate attention to this matter. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: IL

Complaint narrative:
I made a deposit today XX/XX/year> at XXXX into my Discover checking. It told me the money would be available by end of business day today, yet it never showed as available, this then caused my XXXX XXXX XXXX  payment to return and also kept me from having access to my cash even if it did return. I called Discover and again got the runaround, this has happened before in the past and was their error. They are either not having enough people work or the workers are not doing g their jobs! So now I will no only have a late fee from XXXX XXXX XXXX but may have my phone suspended and I have no access to my cash either way! They said it would not be available until XXXXXXXX XXXX tonight or tomorrow!

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 information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I kindly request the prompt removal of the fraudulent entries from my credit report in light of this situation, along with the necessary actions to rectify any inaccuracies or fraudulent activities. Attached are documents from relevant authorities that substantiate my claims.

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 information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EQUIFAX, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EQUIFAX, block the information appearing in my
consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY.

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud.

I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights unde
r Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: LA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and 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 reported to be removed/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. 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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: PA

Complaint narrative:
This morning, I discovered some incorrect accounts listed on my credit report, and Im completely unsure how they ended up there. I routinely review my credit report, but this time, unexpected discrepancies appeared. I even tried refreshing the page, thinking it might be a temporary glitch, but the errors remained. Because of this, I kindly ask that the documents I submitted be carefully reviewed so I can finally feel at ease about my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I did not open this account. 
Consumer will not identify who opened this account and is trying to hold me responsible without proper validation!

According to FERA Section 605B states it is illegal to report anything on my credit report without my permission Please remove this negative item If this application was done online you dont know who is responsible of opening this 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 2025-04-15 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX AT ) XXXX Balance {$110.00} XXXX XXXX  XXXX Balance {$11000.00} XXXX XXXX  XXXX Balance {$9800.00} XXXX  XXXX Balance {$3500.00} XXXX XXXX XXXX Balance {$0.00} XXXX/XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00XXXX XXXX  XX/XX/XXXX XXXX XX/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: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Capital One Rewards had an offer of up to XXXX miles per dollar with XXXX XXXX. On XX/XX/year> I made a purchase of {$320.00} and on XX/XX/year> I made a second purchase of {$310.00}. 

Before both purchases, I called to verify my purchase qualified and that I could redeem the promotion twice. They verified I could. 

I never received my miles. Ive been trying to resolve this for several months. I spoke to a manager on XX/XX/year> who approved a statement credit of 70 % off the purchase amount as they verified I was correct. They incorrectly credited me {$13.00}. Theyve now closed my case and refuse to re open it even though they have a recording of their manager promising me a larger statement credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Tried taking a loan out from my union and it didnt get excepted because they havent updated it in the system that I had paid it off. It needs to be cleared in order to get another loan out

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this statement to formally report that I have been a victim of identity theft. As a result, there are fraudulent accounts and inquiries listed on my credit report that I did not authorize or open. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting immediate action. 

Details of the Dispute : I am disputing the following information currently appearing on my credit report, which I believe to be the direct result of identity theft : A collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, showing a balance of {$1800.00}. 

Two unauthorized inquiries dated XX/XX/XXXX from XXXX XXXX and XXXX. 

I did not open these accounts or authorize these credit inquiries. I have never given anyone permission to open or use accounts on my behalf. 

Formal Request for Investigation and Debt Verification : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting that all credit reporting agencies immediately block and delete these fraudulent items from my credit report.

Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I am requesting formal debt verification. This includes documented evidence that I personally authorized these accounts. If such evidence can not be produced such as a signed contract or credit agreement the accounts must be permanently removed from my file. 

Compensation for False Verification : Per FCRA 616 ( 15 U.S.C. 1681n ), if any of these fraudulent accounts are falsely verified despite this identity theft claim, I am entitled to statutory damages of {$1000.00} per violation. 

Supporting Documentation Attached : Copy of my police report or FTC Identity Theft Affidavit Government-issued photo ID Requested Actions : Immediate deletion of all fraudulent accounts and inquiries Debt verification for all disputed accounts Written confirmation of deletions Notification to furnishers to cease reporting unverifiable information An updated copy of my corrected credit report I expect prompt confirmation that my request has been processed in full compliance with the FCRA. Please be advised that failure to comply may result in further legal action.

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 card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
I was under the impression that they were to match the amount that I put of the credit card as this was a secured card. I was upset to learn that my credit line was way lower than anticipated and this cause me to lose housing.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX is furnishing inaccurate and negative information on my credit reports despite the fact that my XXXX XXXX are not in default, not delinquent, and are currently in good standing. 

I am enrolled in an Income-Based Repayment ( IBR ). I have made over 30 qualifying payments under the Public Service Loan Forgiveness ( PSLF ) program. Additionally, my XXXXXXXX XXXX XXXX XXXX due to my continued enrollment in school. 

Despite this, XXXX is continuing to report incorrect balances, negative payment statuses, and accounts that have either been forgiven, removed or consolidated. These inaccuracies are harming my credit and preventing me from moving forward in the homebuying process. They have me in the system as delinquent. 

I have contacted XXXX multiple times to request correction of these errors and provided supporting documentation. However, the information has not been updated or corrected across all credit bureaus. 

I am requesting that XXXX update their reporting to accurately reflect the current status of my loans and remove any negative or incorrect information from my credit file. 
Legal Basis : Under the Fair Credit Reporting Act ( FCRA ) : 1681s-2 ( a ) ( 1 ) : Furnishers of credit information must not report inaccurate or incomplete information. 
1681e ( b ) : Information furnished to credit reporting agencies must be accurate and updated regularly to reflect the current status.

1681i ( a ) : Any disputed information must be verified and corrected or removed within 30 days. 

Action Requested : 1. Immediately correct or delete any negative or inaccurate information being reported to XXXX, Equifax, and XXXX related to my XXXXXXXX XXXX XXXX 
2. Provide written verification confirming that my loans are in good standing and not delinquent or in default. 
3. Update all account statuses to accurately reflect deferment, active repayment, or forgiveness status. 

Their Failure to correct these inaccuracies has caused me to file my complaint with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), which needs to lead to legal action under FCRA 1681n and 1681o for willful or negligent noncompliance.

Company response to consumer: Closed with non-monetary relief