vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: NY

Complaint narrative:
I am writing to file a formal complaint against XXXX for the unlawful and inaccurate reporting of a student loan account in the amount of {$14000.00}, currently appearing on my credit report without proper authorization, lawful basis, or compliance with applicable federal statutes. The account number ends in XXXX. 

SUMMARY OF ISSUES : Lack of Valid Contractual Relationship with the Debt Collector : I have never contracted or entered into any agreement with XXXX 

I am the holder of the original note and was never informed or consented to any sale or assignment of this account to any third-party collector. 

There has been no verifiable documentation provided to show any legal transfer of the obligation. 

Unlawful Reporting Practices : The reporting of this alleged debt as a collection account without proper verification, consent, or notice is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq.

The consumer reporting agencies ( XXXX, Equifax, XXXX  ) are furnishing information without ensuring its accuracy or obtaining proper documentation. 

This account is being reported in a way that is misleading and damaging to my credit standing. 

Violations of the Privacy Act of 1974 ( 5 U.S. Code 552a ) : My personal and financial records have been disclosed without my written consent. 

Under 5 U.S.C. 552a ( b ), no agency shall disclose any record contained in a system of records by any means of communication to any person or to another agency, except with the prior written consent of the individual to whom the record pertains. No such consent was given.

Disclosure to a consumer reporting agency is only allowed under specific, limited exceptions, which have not been met.

Violations of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S. Code 6801-6809 and Regulation P ( 12 CFR Part 1016 ) : There has been no privacy notice provided, and I have not received any opportunity to opt-out of disclosure to nonaffiliated third parties. 

Financial institutions are required to provide clear and conspicuous privacy notices before disclosing nonpublic personal information. This was not done. 

Damages and Remedies Sought : Under the FCRA, each willful violation entitles me to statutory damages of up to {$1000.00} per violation ( 15 U.S. Code 1681n ). 

I seek immediate deletion of this account from my credit reports. 

I request a complete investigation and explanation from both XXXX and the consumer reporting agencies. 

I also reserve my right to pursue further legal action if this issue is not resolved promptly. 

Please investigate this matter and confirm deletion of the account from my consumer reports immediately. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: NY

Complaint narrative:
I am writing to file a formal complaint against XXXX  for the unlawful and inaccurate reporting of a student loan account in the amount of {$14000.00}, currently appearing on my credit report without proper authorization, lawful basis, or compliance with applicable federal statutes. The account number ends in XXXX 

SUMMARY OF ISSUES : Lack of Valid Contractual Relationship with the Debt Collector : I have never contracted or entered into any agreement with XXXXI am the holder of the original note and was never informed or consented to any sale or assignment of this account to any third-party collector. 

There has been no verifiable documentation provided to show any legal transfer of the obligation. 

Unlawful Reporting Practices : The reporting of this alleged debt as a collection account without proper verification, consent, or notice is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq.

The consumer reporting agencies XXXX XXXX XXXX TransUnion ) are furnishing information without ensuring its accuracy or obtaining proper documentation.

This account is being reported in a way that is misleading and damaging to my credit standing.

Violations of the Privacy Act of 1974 ( 5 U.S. Code 552a ) : My personal and financial records have been disclosed without my written consent.

Under 5 U.S.C. 552a ( b ), no agency shall disclose any record contained in a system of records by any means of communication to any person or to another agency, except with the prior written consent of the individual to whom the record pertains. No such consent was given. 

Disclosure to a consumer reporting agency is only allowed under specific, limited exceptions, which have not been met. 

Violations of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S. Code 6801-6809 and Regulation P ( 12 CFR Part 1016 ) : There has been no privacy notice provided, and I have not received any opportunity to opt-out of disclosure to nonaffiliated third parties.

Financial institutions are required to provide clear and conspicuous privacy notices before disclosing nonpublic personal information. This was not done.

Damages and Remedies Sought : Under the FCRA, each willful violation entitles me to statutory damages of up to {$1000.00} per violation ( 15 U.S. Code 1681n ). 

I seek immediate deletion of this account from my credit reports. 

I request a complete investigation and explanation from both XXXX and the consumer reporting agencies. 

I also reserve my right to pursue further legal action if this issue is not resolved promptly. 

Please investigate this matter and confirm deletion of the account from my consumer reports immediately. 

Sincerely, 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 2025-05-02 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:
As outlined for the past 3 complaints to XXXX, they continue to report my Student Loan late on TransUnion and XXXX. This loan is in forbearance, and therefore should not be noted with a status of " late ''. This breaches FCRA guidelines and statutes. Specifically : Accuracy and Completeness ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : Furnishers must report information that is accurate and complete. Reporting a loan as " late '' during a forbearance periodwhen payments are officially deferred or suspended by the lendercan violate this if the consumer is complying with the forbearance terms. Forbearance agreements typically pause payment obligations, meaning late payment status should not be reported unless the consumer fails to resume payments as agreed post-forbearance. 

Duty to Investigate Disputes ( 15 U.S.C. 1681s-2 ( b ) ) : If you dispute a late payment reported during forbearance, the furnisher must conduct a reasonable investigation within 30 days. If the investigation confirms the loan was in forbearance and no payment was due, the furnisher must correct or delete the inaccurate late status. You can trigger this by filing a dispute with the credit bureaus, referencing the forbearance agreement as evidence.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
As outlined for the past 3 complaints to XXXX, they continue to report my Student Loan late on XXXX  and Experian. This loan is in forbearance, and therefore should not be noted with a status of " late ''. This breaches FCRA guidelines and statutes. Specifically : Accuracy and Completeness ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : Furnishers must report information that is accurate and complete. Reporting a loan as " late '' during a forbearance periodwhen payments are officially deferred or suspended by the lendercan violate this if the consumer is complying with the forbearance terms. Forbearance agreements typically pause payment obligations, meaning late payment status should not be reported unless the consumer fails to resume payments as agreed post-forbearance. 

Duty to Investigate Disputes ( 15 U.S.C. 1681s-2 ( b ) ) : If you dispute a late payment reported during forbearance, the furnisher must conduct a reasonable investigation within 30 days. If the investigation confirms the loan was in forbearance and no payment was due, the furnisher must correct or delete the inaccurate late status. You can trigger this by filing a dispute with the credit bureaus, referencing the forbearance agreement as evidence.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with 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 explanation
Consumer complaint received 2025-05-01 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:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Bridgecrest ( Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX, both of whom are furnishing charge-off entries on my Equifax credit XXXX. These entries are not only inaccurate and misleading, but they also violate multiple provisions of federal law and Georgia state consumer protection statutes. Both companies are reporting past-due balances ( {$11000.00} from XXXX and {$26000.00} from XXXX XXXX XXXX XXXX XXXX charging off the accounts, which under Generally Accepted Accounting Principles ( GAAP ) and IRS regulations XXXX suggests they have already received compensationeither via insurance, tax deduction, sale, or settlement. This continued reporting violates : FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing inaccurate information. FCRA 1681e ( b ) Failure to ensure maximum possible accuracy. FCRA 1681i Failure to properly investigate consumer disputes. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g - Failure to validate the alleged debt prior to furnishing to the credit bureaus constitutes deceptive and unfair practices. Georgia Fair Business Practices Act ( XXXX ), XXXX. XXXX et seq. - Prohibits unfair or deceptive practices in consumer transactions, including the inaccurate reporting of debt informatioXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - If the creditor has issued a Form 1099-C ( Cancellation of Debt ), the debt has been forgiven for tax purposes and must be treated as income by the consumer. Continued reporting of this cancelled debt is improper and creates a form of double jeopardypenalizing the consumer financially and via tax liability simultaneously. Additionally, the CFPB has previously taken enforcement action against Equifax for : The CFPB fined Equifax {$15.00} XXXX in 2024 for failing to correct inaccurate dispute entries, which included continued reporting of XXXX or invalid debtssimilar to the situation I am now experiencing. See Also : In Paul Gugger v. USAA Federal Savings Bank, the court acknowledged that the issuance of a XXXX could render continued reporting of the debt as inaccurate, supporting the need for correction or deletion of such entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: IN

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with 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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that are multiple unverified accounts reporting on my credit profile. I've contacted the company and requested the accounts be verified or removed from my credit report. It has been over 30 days since my initial request an i have not received the documents as requested. It's my understanding that according to the FCRA that if an account is not properly verified it must be deleted from my credit report. Please remove the unverified accounts immediately.

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 2025-05-02 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that are multiple unverified accounts reporting on my credit profile. I've contacted the company and requested the accounts be verified or removed from my credit report. It has been over 30 days since my initial request an i have not received the documents as requested. It's my understanding that according to the FCRA that if an account is not properly verified it must be deleted from my credit report. Please remove the unverified accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: Synovus Bank
State: CA

Complaint narrative:
I am not swayed that XXXX has investigated this account properly. Their investigation about this account was totally incorrect. I am not seeing this account to any of the other credit bureaus which were so odd. I believe they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from XXXX. Make sure to explain the outcome of your investigation about this account with the following account : XXXX XXXX XXXX opened XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX XXXX & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: NY

Complaint narrative:
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. 

XXXXXXXX XXXX - XXXX XXXX XXXXXXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXXXXXX - XXXX XXXX - XXXX XXXX XXXXXXXX - XXXX XXXXXXXX XXXX - XXXX XXXXXXXX XXXX - XXXX XXXXXXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXXXXXX XXXX  - XXXX XXXX XXXX - XXXX 15 U.S.C 1681 section 602 A. 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. 1681s-2 ( A ) ( 1 ) 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.

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 2025-05-01 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: AL

Complaint narrative:
My name is XXXX XXXX .. XXXX XXXX XX/XX/XXXX .. address is XXXX XXXX XXXX XXXX XXXX, AL XXXX. I am a victim of identity theft due to the XXXX Data Breach. The following are fraudulent hard inquiries that I do not recognize and are not factual and should not remain on my credit report. 

XXXX XX/XX/XXXX XXXX CARD 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 2025-05-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am disputing a WFBNA AUTO account that appears on my credit report. I am not aware of this account, nor have I ever opened or authorized any auto loan with Wells Fargo Bank ( WFBNA ). I have not been given the opportunity to dispute this account prior to this notice. 

If WFBNA believes proper notification was sent to me, I request a copy of that documentation, including certified mail receipts bearing my signature. 

If you can not provide such verification, I respectfully request the immediate deletion of this account from all credit reporting agencies. 

Failure to comply may result in legal action, as the continued reporting of inaccurate and unverified information constitutes a violation of the Fair Credit Reporting Act ( 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 2025-05-01 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:
XXXX reported a 30-day delinquency in XX/XX/2023 after their system failed to process a {$100.00} AutoPay charge which should not have been billed in the first place. AutoPay had been active and running properly for years, and my XXXX account had over {$13000.00} at the time, so this was not a funds issue. The month prior, I charged approximately $ XXXX on the card, which was supposed to be paid off in full via AutoPay as it always had been. I was hospitalized during this time and had no idea a payment had failed, because I was never notified and had no reason to suspect anything was wrong. Once I was contacted, I paid the amount manually BUT SET UP AUTOPAY AGAIN. Over the phone with them. I have never missed a payment in my life not once and my payment history confirms this. 

Later, I received an unexpected bill for interest and late fees, which Deserve support told me would be reversed, but they never were. These fees triggered a false delinquency that I had no fair opportunity to resolve. My account was eventually closed with a {$0.00} balance, but the 30-day delinquency is still being reported by Equifax. This reporting is misleading and materially inaccurate. I am requesting the immediate removal of this negative item from my credit file.

Company response to consumer: Closed with non-monetary relief