vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 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: NC

Complaint narrative:
Back in XX/XX/XXXX and XX/XX/XXXX payments were agreed upon. I made the required payments to XXXX XXXX and yet my account is still reported with the wrong balance and status. I have disputed this information and nothing has been done. I have submitted documentation to the bureau and yet they continue to violate the FCRA. 

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.

The bureaus continue to report false information on my credit file. The dispute process is not being done within the guidance of the FCRA.

I demand this account is deleted from my credit file as it has been reported falsely for several years and verified as accurate by the credit bureau in contradiction to documents provided. 
I demand XXXX payment for civil liability for knowing noncompliance 15 USC 1681n ( b )

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 2025-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Hello, I received a call claiming that there was a fraud attempt on my Wells Fargo credit card. However, when I clicked the number that I was told in the voicemail to call back I found that the person calling was not connected to the bank in any way. They mirrored a phone number used by the bank and when I tried to call them back my call was sent to their personal voicemail. The number that I was instructed to call back was 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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
. I am disputing a bankruptcy entry on my credit report that was dismissed with prejudice on XX/XX/XXXX, in XXXX XXXX. XXXXXXXX XXXX XXXX, filed in the United States Bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX The dismissal order explicitly states that my case was dismissed, and I am barred from refiling for 180 days under 11 U.S.C. 109 ( g ) ( 1 ).

Despite this dismissal, Experian / TransUnion/ continue to report this bankruptcy as active.

According to federal law : 15 U.S.C. 1681c ( a ) ( 1 ) & 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ) prohibit reporting inaccurate information. A dismissed bankruptcy is legally considered inaccurate and must be removed.

11 U.S.C. 349 ( b ) of the Bankruptcy Code confirms that when a bankruptcy case is dismissed, the cases effect is nullified, and reporting it as active is misleading and improper. 

I have previously disputed this with the credit bureaus, but they have refused to remove the dismissed bankruptcy, even though it is legally inaccurate. 

Enclosures / Evidence : Official court dismissal order ( XXXX XXXX. XXXX, filed 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 2025-08-18 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: TN

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: GA

Complaint narrative:
I am filing a complaint against TransUnion and multiple furnishers XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX Bank XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). My TransUnion credit report contains multiple inaccuracies, contradictory entries, and unverifiable charge-offs. These items are negatively impacting my creditworthiness and are being reported in violation of federal law. 

Details of the Violations : Inaccurate & Contradictory Reporting ( FCRA 1681e ( b ) ) Accounts report as both OK with payments made and Charge-off for the same months.Balances exceed reported credit limits ( e.g., XXXXXXXX XXXX XXXXXXXX ). 
Closed accounts still report active balances. 
Failure to Reinvestigate ( FCRA 1681i ) Despite prior disputes, TransUnion has not corrected inaccurate payment histories or balances.Furnishers continue to report conflicting data without resolution.

Unverifiable Accounts ( FCRA 1681s-2 ) XXXX XXXX XXXXXXXX XXXX XXXX Reported as charge-off with balance despite inconsistent payment history. 
XXXX XXXX XXXX ( multiple accounts ) : Balances exceed credit limits ; contradictory remarks ( XXXX, XXXX, XXXX ) without explanation. 
XXXX XXXXXXXX XXXX XXXX  Reported charge-off without proper sequence of delinquency. 
Obsolete & Misleading Information ( FCRA 1681c ) Items are scheduled to remain for 7+ years beyond delinquency, which exceeds the allowable reporting period for charge-offs.

FDCPA Violations ( 15 U.S.C. 807 ) Furnishers are misrepresenting debt status by reporting closed accounts as owing balances.These inaccuracies and violations have caused denial of credit, higher interest rates, and emotional distress.They present a false and damaging picture of my credit history!

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 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My account with Well Fargo has been closed for over XXXX years. I still have my back card and Im sure they have records of my account and why they closed it. Its been so long that I just moved on instead of fighting and fighting what they said the reason were. With the pandemic period and stress of life I was tired of fighting and only trying stay healthy and alive. However, when I saw this article about Wells Fargo, I want any monies due to me if I were wrongfully done. I have no papers after this long time and have been living out my car, so its hard to regain info and search in storages, etc I would like you or the source that know whether or not something I dont know about that they might have done to why my account was closed with over drafts or debts etc- I forgot what it was but I could no longer bank

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 2025-08-17 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: HI

Complaint narrative:
PLEASE SEND CONSENT LETTERS THAT I GAVE EXPERIAN TRANSUNION EQUIFAX CONSENT TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORTS TO

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 2025-08-18 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:
I am submitting this formal complaint against Transunion for willful and repeated violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft dispute. Despite providing Transunion with my complete FTC Identity Theft Report ( FTC Report # XXXX ) and supporting documentation, they have failed to conduct a reasonable investigation as required under 15 U.S.C. 1681i ( a ) ( 1 ), failed to provide investigation results within the 30-day statutory period as required under 1681i ( a ) ( 6 ), and failed to block fraudulent information from my file as mandated under 1681c-2. In fact, Transunion has allowed the continued reporting of fraudulent accounts, including XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ) , which are causing ongoing and irreparable harm to my credit standing. These actions directly violate my rights under federal law and mirror conduct for which credit bureaus have previously faced legal consequences.

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 2025-08-18 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: MN

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXXXXXX XXXX XXXXXXXX Balance : {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: DE

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-08-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I was enrolled in this school but did not complete the course due to closing of the program I was giving false information when I enrolled I was told they had the XXXX XXXX a few months later I was told that program has not been in that school for many years the school was school has been closed for several years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: PA

Complaint narrative:
I notice information on my credit report that I never seen before I have been a victim of identify theft.

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 2025-08-18 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: TX

Complaint narrative:
The company is willfully furnishing false, inconsistent, and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Metro 2 reporting standards. The tradeline contains contradictory dates, account statuses, and payment histories across the credit reporting agencies, creating a materially inaccurate consumer file. I have made multiple written requests for verification in compliance with FCRA 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under FCRA 616 and 617, which entitles me to statutory, actual, and punitive damages.

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 2025-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Details : On [ XX/XX/year> ], I made a full payment to Capital One, paying off my card balance in full. Despite this, on [ XX/XX/year> ], I was assessed an additional {$56.00} in residual ( trailing ) interest. 

I contacted Capital One customer service and a supervisor to request a courtesy adjustment for this charge. My request was repeatedly denied, despite being a long-standing customer with a history of timely payments. 

While I understand that residual interest can accrue between the statement date and the payment date, Capital Ones disclosures and communications failed to make it clear that paying my balance in full would still result in additional charges. This practice feels misleading and functions as a gotcha fee. 

Under the Truth in Lending Act and Regulation Z, issuers are required to clearly disclose how and when interest will accrue. I do not believe Capital One has met the spirit of this requirement in this case. 

Requested resolution : Removal of the {$56.00} residual interest charge. 
Confirmation that Capital One will ensure clearer disclosures about residual interest to prevent other consumers from being surprised by similar charges

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: AR

Complaint narrative:
My card and funds were stolen and I filed a dispute with NetspendXXXX on XX/XX/year>. I was told I had to write a letter to be granted a provisional credit while an investigation is conducted. Im writing this complaint before I submit letter so this claim could be governed for constructive fraud. I dont feel my claim will be investigated in a due process manner.

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 2025-08-17 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: MI

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft.

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law.

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2.

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information 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 explanation
Consumer complaint received 2025-08-18 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: NJ

Complaint narrative:
The XXXX XXXX XXXXXXXX account is reporting as 30 days late and it dropped my score XXXX points! I was not late.

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 2025-08-17 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: GA

Complaint narrative:
The investigation did not fix the errors 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 explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
As look on my credit report and see different names and addresses along with wrong info I would like to have all the names and addresses removed With the wrong information.

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 2025-08-17 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: GA

Complaint narrative:
The investigation did not fix the inaccuracies 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
Consumer complaint received 2025-08-17 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: TN

Complaint narrative:
I need the fraudulent information removed from my credit profile ASAP! This has be hurting me financially.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OPORTUN FINANCIAL CORPORATION
State: NC

Complaint narrative:
Oportun Inc. is incorrectly reporting an account on my credit reports with XXXX  and XXXX.

The information is inaccurate and negatively affecting my credit history.

I have already requested validation from the credit bureaus, but no proper documentation has been provided.

To my knowledge, Oportun should not be reporting this account, which raises concerns under the Fair Credit Reporting Act ( FCRA ).

I request a full investigation. If Oportun can not provide complete and valid documentation proving that this account legally belongs to me, it must be deleted immediately from my XXXX  and XXXX  reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
I have disputed a medical debt I have no knowledge of, it was removed from XXXX  but not removed from the other XXXX reports ( XXXX  ) ( XXXX  ) I need all my data matching across all XXXX this is causing hardship in my life due to false reporting on my credit report please fix this

Company response to consumer: Closed with explanation