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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing a formal complaint against XXXX XXXX  and/or XXXX XXXX regarding multiple violations of the Fair Credit Reporting Act ( FCRA ), Metro 2 data standards, and IRS Publication 6050P related to the misreporting of a closed and charged-off credit card account.

This account is listed under three separate names on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following violations have occurred : Duplicate reporting of a single account under different names with identical balances and credit limits inflating my debt and artificially damaging my credit score.

Reporting 100 % utilization on a CLOSED account, which violates Metro 2 and results in misleading scoring impacts.

Incorrect charge-off handling : {$76.00} was written off, yet {$390.00} remains reported as due. Under IRS Pub. 6050P, a charge-off with partial cancellation requires the remaining balance to be corrected or a 1099-C issued neither has occurred.

Inconsistent and missing payment histories across tradelines, including conflicting charge-off dates and unreported historical data.

Failure to properly investigate these discrepancies, even after prior disputes were filed with the credit reporting agencies.

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: PA

Complaint narrative:
I am filing a formal complaint against XXXX XXXX  and/or XXXX XXXX regarding multiple violations of the Fair Credit Reporting Act ( FCRA ), Metro 2 data standards, and IRS Publication 6050P related to the misreporting of a closed and charged-off credit card account.

This account is listed under three separate names on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following violations have occurred : Duplicate reporting of a single account under different names with identical balances and credit limits inflating my debt and artificially damaging my credit score.

Reporting 100 % utilization on a CLOSED account, which violates Metro 2 and results in misleading scoring impacts.

Incorrect charge-off handling : {$76.00} was written off, yet {$390.00} remains reported as due. Under IRS Pub. 6050P, a charge-off with partial cancellation requires the remaining balance to be corrected or a 1099-C issued neither has occurred.

Inconsistent and missing payment histories across tradelines, including conflicting charge-off dates and unreported historical data.

Failure to properly investigate these discrepancies, even after prior disputes were filed with the credit reporting agencies.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Delete Hard Inquiries In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 16816-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : XXXX XXXXXXXX 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 non-monetary relief
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: FL

Complaint narrative:
Delete Hard Inquiries In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 16816-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : XXXX XXXXXXXX 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: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
This company called me a few months ago telling me that I have an outstanding debt with them. I asked for a validation of the debt and a signed contract in my name. They never sent me anything and they continue calling and making harassing calls. 

SUNRISE CREDIT SERVICE. ACCOUNT # XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/year> Balance : {$280.00} I wan na take this account of my credit report from 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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: TX

Complaint narrative:
I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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

Complaint narrative:
We leased this vehicle on XXXX XXXX XXXX, and returned the lease in XXXX of XXXX  It has been on our credit report since, with a balance of {$900.00}. When I disputed the account, I was told it was too old to be on our credit report and asked to have it removed. However, it still showed as 'OPEN ' when, in fact, that account had been charged off. I recently disputed it again, and now it still says, ACCOUNT DETAILS Last payment : XX/XX/XXXX Payment status : No Info Worst payment status : No Info Account status : Open Type : Auto lease Responsibility Joint Remarks : Lease - full termination Times XX/XX/XXXX days late : XXXX Highest balance : {$10000.00} Monthly payment : {$4800.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) Term : 36 months ( 3 years ) The monthly payment is wrong, the highest balance is incorrect, the account status is incorrect, and the days late are incorrect.

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
We leased this vehicle on XXXX XXXX, XXXX, and returned the lease in XXXX of XXXX. It has been on our credit report since, with a balance of {$900.00}. When I disputed the account, I was told it was too old to be on our credit report and asked to have it removed. However, it still showed as 'OPEN ' when, in fact, that account had been charged off. I recently disputed it again, and now it still says, ACCOUNT DETAILS Last payment : XX/XX/XXXX Payment status : No Info Worst payment status : No Info Account status : Open Type : Auto lease Responsibility Joint Remarks : Lease - full termination Times 30/60/90 days late : XXXX Highest balance : {$10000.00} Monthly payment : {$4800.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) Term : 36 months ( 3 years ) The monthly payment is wrong, the highest balance is incorrect, the account status is incorrect, and the days late are incorrect.

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
We leased this vehicle on XXXX XXXX, XXXX, and returned the lease in XXXX of XXXX. It has been on our credit report since, with a balance of {$900.00}. When I disputed the account, I was told it was too old to be on our credit report and asked to have it removed. However, it still showed as 'OPEN ' when, in fact, that account had been charged off. I recently disputed it again, and now it still says, ACCOUNT DETAILS Last payment : XX/XX/XXXX Payment status : No Info Worst payment status : No Info Account status : Open Type : Auto lease Responsibility Joint Remarks : Lease - full termination Times XX/XX/XXXX days late : XXXX Highest balance : {$10000.00} Monthly payment : {$4800.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Term : 36 months ( 3 years ) The monthly payment is wrong, the highest balance is incorrect, the account status is incorrect, and the days late are incorrect.

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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
My personal information was compromised in a major data breach involving all three credit bureaus. As a result, my identity was stolen and used to open unauthorized accounts, submit false information, and damage my credit profile. I did not open or agree to these accounts. My legal name and address are also being reported incorrectly. I have submitted an identity theft report and have repeatedly contacted the credit bureaus to correct this, but the fraudulent information remains. I am requesting immediate removal of all inaccurate and unauthorized accounts from my credit file.

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: Nelnet, Inc.
State: WI

Complaint narrative:
My personal information was compromised in a major data breach involving all three credit bureaus. As a result, my identity was stolen and used to open unauthorized accounts, submit false information, and damage my credit profile. I did not open or agree to these accounts. My legal name and address are also being reported incorrectly. I have submitted an identity theft report and have repeatedly contacted the credit bureaus to correct this, but the fraudulent information remains. I am requesting immediate removal of all inaccurate and unauthorized accounts from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Noticed that there was fraud on my account. I reported it the same day and investigation was opened. This was on XX/XX/XXXX. This was debit card fraud where the card was still in my possession. The vendor was XXXX Wells Fargo the bank said that they were going to send out a new debit card stop that the transactions from going through because they were still showing us pending and open up an investigation. They said that it would take 10 days to get the money back into the account. It was approximately {$200.00}. I didnt like that. I had to wait 10 days but OK after 10 days all the money was back in my account so I thought it was resolved but then today they reversed one of the charges for {$49.00} saying that they had given provisional credit only on that one and that even though it was Finalized in the fraud that there were other charges that they had for the same amount and that they were still investigating it. They refused to tell me when the money would be back in the account and said they had up to 45 days to investigate. Today is XX/XX/XXXX so this transaction happened approximately XX/XX/XXXX where they gave the provisional credit and now theyre playing games by taking it back I have called them four times and they have not been helpful at all and they could not tell me when the money would be put back into the account. I think its ridiculous That this can happen thank goodness is only for {$49.00} but it is not right that a bank keeps money from a fraud situation for this long and I dont think its legal.

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 non-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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion has knowingly and unlawfully reinserted the XXXX XXXX XXXXXXXX account opened in XX/XX/year> without providing the required written notice, in blatant violation of the FCDARA 15 U.S. Code 1681i ( a ) ( 5 ) ( B ). This is not an isolated mistake ; it is a deliberate, willful, and egregious violation of federal law and a direct assault on my fundamental consumer rights. Not only has TransUnion reinserted an account without proper notice, but the company has also continued to report both XXXX  XXXX ( XXXX ) and the XXXX BANK XXXX XXXX ( XXXX  both opened in XXXX  ) accounts that I have already disputed and demanded be removed. These accounts have been disputed through all appropriate channels, including to XXXX and XXXX, who have already deleted them from my credit file. Yet TransUnion PERSISTS in illegally reporting these accounts, which constitutes a flagrant violation of multiple provisions under the Fair Credit Reporting Act ( FCRA ). Specifically, it violates 1681i ( b ), which mandates maximum possible accuracy in credit reporting, and 1681b, which strictly prohibits the reporting of any account without a permissible purpose. This continued reporting, without my authorization or consent, constitutes a severe breach of my legal rights. There is absolutely no permissible basis for TransUnion to keep reporting these accounts. I have given NO authorization, NO permission, and NO written consent for the reporting of these accounts. By continuing to include these accounts on my report, TransUnion is disregarding the law, acting recklessly, and committing what can only be described as identity theft. These ongoing actions are not just unlawful ; they are harmful and punitive, further damaging my credit standing, and perpetuating fraudulent information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief