vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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:
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 2025-03-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Ive contacted the credit bureaus time and time again to get the inquiries and problems solved with my credit and they havent really budged so Im coming here. These are the inquiries. 
XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Ive contacted the credit bureaus time and time again to get the inquiries and problems solved with my credit and they havent really budged so Im coming here. These are the inquiries. 
XXXX XXXX XXXX XX/XX/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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: OH

Complaint narrative:
MY DISPUTES WERE SENT TO YOUR COMPANY AND THE ALL CAME BACK VERIFIED AND UPDATED. THE ACCOUNTS WERE NOT ACCURATE AND REMAIN THAT WAY AFTER RECIEVING THE RESULTS FROM YOU. THIS IS A VIOLATION OF THE FCRA BECAUSE THESE ACCOUNTS SHOULD HAVE BEEN DELETED FROM 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
Consumer complaint received 2025-03-25 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: IL

Complaint narrative:
I recently reviewed my credit report and discovered multiple inaccuracies that are negatively impacting my credit profile. These errors include unauthorized credit inquiries, an incorrect derogatory account. These inaccuracies are misleading and must be corrected immediately to ensure my credit report accurately reflects my financial history...

Under FCRA 1681s-2 ( a ), furnishers are prohibited from reporting inaccurate or unverifiable information. I have never opened or authorized this account, nor have I received validation of the debt per FDCPA 809 ( 15 U.S.C 1692g ). If this account is verified, provide the original signed contract and complete payment history ; otherwise, remove it from my report immediately.

Action Requested Under the FCRA, credit bureaus must complete an investigation within 30 days. I demand written confirmation that these items have been removed or corrected. Failure to comply with federal law will result in legal action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney Generals Office

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: Kikoff Inc.
State: LA

Complaint narrative:
Ok I signed up for kickoff and I had used them and was in good standing with them until I got laid off so I had canceled my account with them and i dont know what happened on there end but they canceled my other account and they said this was canceled as well. Also it appears from the look of my credit report that they applied for a XXXX  XXXX credit card with my name on it which I have never seeen or recieved from them as well. I can nothing in any documents from them that state that they apply with another company on your behalf for a credit card or anything along those lines

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: CO

Complaint narrative:
I cant believe Im still dealing with this. Ive contacted you multiple times regarding the inaccurate accounts that are still in litigation, yet they remain on my credit report. This has been dragging on for far too long, and Im at my breaking point.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: PA

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 non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
Hi, I really am just lost, I dont know what to really do, I went to college previously and apparently I owed XXXX dollars to the bookstore I didnt know about, the debt got paid, I dont know how it got paid, but now its showing on my credit report which is affecting my credit tremendously, my credit has always been good, and now its just terrible over {$80.00}, Ive reached out to the debt collector to see if there was a way I could get it removed off my credit report and they honestly just told me off and said itll be there for 7 years, next time pay your debt on time. It sucks knowing that theres probably a XXXX other cases like this over very greedy people who dont really explain anything and just demand money. Its very sad. Also its been showing up on my credit report for about a year or so, I havent been to XXXX XXXX since probably XXXX maybe even XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: MS

Complaint narrative:
I recently reviewed a copy of my credit report and I found some inaccuracies that relate to my account. This account is impacting my ability to obtain credit. I believe you will investigate the account to make sure it is accurate. I am demanding a deletion of the following account. Here is the account that I am asking you to verify : XXXX XXXX XXXX XXXX : acct # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute the accuracy of certain information on my credit report, and I am requesting validation under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 7 ).

Upon reviewing my credit report, I have identified the following information that I believe to be inaccurate or incomplete : Debt Collector Information : Agency Name : Transworld System INC Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Debt Information : Debt Amount : {$640.00} Original Creditor : Transworld System INC Account Number : XXXX In accordance with 15 USC 1681i ( a ) ( 7 ), I request that you conduct a thorough investigation of the disputed information. If you can not verify the accuracy of the disputed information within the 30-day period, please ensure that the information is corrected or removed from my credit report.

Additionally, I request that you provide me with the following validation : Proof of the Debt : Please provide a copy of the original signed contract or agreement showing that I am liable for the debt.

Details of the Debt : A breakdown of the total amount owed, including the original amount, interest, fees, and any other charges added.

Creditor Information : The name of the original creditor, the account number, and their contact information.

Proof of Assignment : If the debt has been sold or transferred, please provide proof that you are legally authorized to collect on the debt.

Verification of Timeliness : The dates of all transactions, the last payment, and the date the debt was reported.

Please be advised that under the FDCPA, you are required to provide this validation within 30 days of receiving this letter. Until I have received the necessary validation, I respectfully request that you cease any collection efforts, including reporting this debt to credit bureaus, until the matter is resolved. 

If you are unable to provide the requested validation, I expect that the debt will be removed from my records, and any further attempts to collect on it will be ceased immediately. 
Thank you for your prompt attention to this matter. I look forward to your response in accordance with the 30-day timeframe required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: CA

Complaint narrative:
I am writing to formally file a complaint regarding multiple inaccuracies and potentially unlawful items reported on my credit file by various creditors and debt XXXX. These accounts contain erroneous and damaging information that violates the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Disputed Accounts XXXX Account Number : XXXX Issue : The account shows a balance of {$6900.00} with a credit limit of {$4300.00}, reflecting a 100 % + usage rate on a closed account, which is misleading and derogatory. 

Violations : FCRA 1681s-2 ( a ) ( 1 ) ( A ), ( inaccurate reporting ) ; 1681e ( b ) ( failure to maintain accurate data ). 

XXXX XXXX Account Number : XXXX Issue : 100 % utilization reported on a closed account, balance of {$670.00} on a {$600.00} limit, creating a falsely negative impact. 

Violations : FCRA 1681e ( b ), FDCPA 807 ( 8 ) ( false representation of character/amount ). 

XXXX XXXXXXXX XXXX Account Number : XXXX Issue : The reported balance exceeds the credit limit, which is inaccurate for a closed account. 

Violations : FCRA 1681c ( obsolete and misleading reporting ). 

XXXX XXXX  Account Number : XXXX Issue : 100 % utilization ( {$9700.00} on {$9000.00} ) despite being closed, misrepresenting risk to potential creditors. 

Violations : FCRA 1681s-2 ( b ), FDCPA 807. 

XXXX XXXX XXXX  Account Number : XXXX Issue : 0 % usage, yet still flagged with 7 potentially negative months. The account has a {$0.00} balance. 

Violations : FCRA 1681i ( failure to update or delete inaccurate info ). 

XXXX XXXX XXXX Account Number : XXXX Issue : Debt is listed as paid off ( {$0.00} balance ), but still marked collection account, past due, which is misleading. 

Violations : FDCPA 807 ( 2 ) ( A ), FCRA 1681s-2. 

XXXX XXXX XXXX Account Number : XXXX Issue : Collection status reporting an unpaid balance of {$3500.00} without validation of debt. 

Violations : FDCPA 809 ( b ), FCRA 1681b ( a ) ( 3 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: CA

Complaint narrative:
I am writing to formally file a complaint regarding multiple inaccuracies and potentially unlawful items reported on my credit file by various creditors and debt XXXX. These accounts contain erroneous and damaging information that violates the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Disputed Accounts XXXX Account Number : XXXX Issue : The account shows a balance of {$6900.00} with a credit limit of {$4300.00}, reflecting a 100 % + usage rate on a closed account, which is misleading and derogatory. 

Violations : FCRA 1681s-2 ( a ) ( 1 ) ( A ), ( inaccurate reporting ) ; 1681e ( b ) ( failure to maintain accurate data ). 

XXXX XXXX Account Number : XXXX Issue : 100 % utilization reported on a closed account, balance of {$670.00} on a {$600.00} limit, creating a falsely negative impact. 

Violations : FCRA 1681e ( b ), FDCPA 807 ( 8 ) ( false representation of character/amount ). 

XXXX XXXXXXXX XXXX Account Number : XXXX Issue : The reported balance exceeds the credit limit, which is inaccurate for a closed account. 

Violations : FCRA 1681c ( obsolete and misleading reporting ). 

XXXX XXXX  Account Number : XXXX Issue : 100 % utilization ( {$9700.00} on {$9000.00} ) despite being closed, misrepresenting risk to potential creditors. 

Violations : FCRA 1681s-2 ( b ), FDCPA 807. 

XXXX XXXX XXXX  Account Number : XXXX Issue : 0 % usage, yet still flagged with 7 potentially negative months. The account has a {$0.00} balance. 

Violations : FCRA 1681i ( failure to update or delete inaccurate info ). 

XXXX XXXX XXXX Account Number : XXXX Issue : Debt is listed as paid off ( {$0.00} balance ), but still marked collection account, past due, which is misleading. 

Violations : FDCPA 807 ( 2 ) ( A ), FCRA 1681s-2. 

XXXX XXXX XXXX Account Number : XXXX Issue : Collection status reporting an unpaid balance of {$3500.00} without validation of debt. 

Violations : FDCPA 809 ( b ), FCRA 1681b ( a ) ( 3 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: MS

Complaint narrative:
I recently reviewed a copy of my credit report and I found some inaccuracies that relate to my account. This account is impacting my ability to obtain credit. I believe you will investigate the account to make sure it is accurate. I am demanding a deletion of the following account. Here is the account that I am asking you to verify : Credit Card XXXX XXXX XXXX acct # : 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 2025-03-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, Late last year i submitted several cases regarding fraudulent activity with my Wells Fargo checking acct and well Fargo credit card.

Funds were fraudulently wire transferred from my credit card acct into my checking acct, and then sent to an external bank without my knowledge or authorization. I filed a police report, contacted CFPB, OCC, Federal trade commission, and filed a a report with the FBI.

Wells Fargo attempted to sue me for the unpaid amount they would not reverse from my credit card after providing all the necessary info to do so. 
This event resulted in a XXXX  XXXX Bankruptcy. 

I was recently made aware of a XXXX dollar lawsuit against Wells Fargo and am curious if I am entitled to a settlement. 

Please advise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
I notice that my interest rate is above the state of Alabama usury laws of eight percent. I also told them to stop communicating with me while I was at work but they are continuing to harass me about a payment that is illegally over the maximum rate allowed by the state. Ive have made several attempts to get them to fix my interest rates for the loan but nothing has been done. Ive already paid double the original loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: GA

Complaint narrative:
I looked at my report and saw that they were fraudulent accounts. This is hindering by ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: MS

Complaint narrative:
I previously submitted a dispute regarding this inaccurate bankruptcy. 

Experian has repeatedly responded by stating that " the company that reported the information has certified to Experian that the information is accurate. '' Experian claims that the information is coming from the U.S. Bankruptcy Court. However, the U.S. Bankruptcy Court for the XXXX XXXX XXXX Mississippi has explicitly stated that it does not report to or verify any information provided to credit reporting agencies. They are not a " furnisher '' of information under the Fair Credit Reporting Act ( FCRA ). 

Fair Credit Reporting Act ( FCRA ) Violations : Under 15 U.S.C. 1681i ( a ), Experian is required to conduct a reasonable reinvestigation of disputed information. Simply relying on a third-party certification, especially when the U.S. Bankruptcy Court has clarified that it does not provide or verify such data, is a failure to conduct a proper investigation.

Additionally, under 15 U.S.C. 1681e ( b ), Experian must ensure maximum possible accuracy in its credit reporting. Since the Bankruptcy Court has confirmed it is not responsible for reporting, Experian is knowingly reporting false information in violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation