vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please hold this company accountable this company sent my a girft card for compensation of the fraudulent inquries on my credit report but the inquiries still remains. Please hold this company accountable even after the judgement this company still isn't following the law. 

Inquries XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my 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 explanation
Consumer complaint received 2025-04-30 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: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my 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 explanation
Consumer complaint received 2025-04-30 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-30 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-30 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: AZ

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for multiple violations of federal consumer protection laws related to a credit card debt that was allegedly canceled. 

In XX/XX/year>, XXXX XXXX issued a 1099-C to the Internal Revenue Service ( IRS ) and Credit Bureaus stating that it had canceled/ Changed Off a credit card debt of {$3000.00}. 

Under IRS regulations ( 26 U.S. Code 6050P ), the filing of a 1099-C indicates that the debt has been discharged and is no longer legally owed. 

However, XXXX XXXX has continued to : Report the same debt as actively delinquent and owed to all three major credit bureaus ( XXXX XXXX and TransUnion ), thereby damaging my credit score. 

Attempt to collect on this debt despite the charge off has remained directly through email, over the phone and internally by the banks consumer App. These actions are not only deceptive but are in clear violation of Federal consumer protection laws as follows : Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692e : XXXX XXXX or any third-party collector acting on its behalf is making false representations by attempting to collect a debt that has been declared canceled. 

Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) : Continuing to furnish information that a canceled debt is still active is inaccurate and misleading.

26 U.S. Code 6050P : This federal tax code mandates proper and truthful reporting of canceled debts to the IRS. 

I am requesting the CFPB to take action to : Investigate XXXX XXXX unlawful and deceptive conduct. 
Compel XXXX XXXX to cease all collection efforts, remove the debt from all credit reports, and issue corrected information to the IRS and credit bureaus. 
Impose any applicable penalties or enforcement action to prevent future harm to consumers. 
I can provide supporting documentation, including the 1099-C ( if needed ), credit reports, and any collection communications, upon request

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 2025-04-30 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: AZ

Complaint narrative:
I am filing this complaint against XXXX XXXXXXXX XXXX for multiple violations of federal consumer protection laws related to a credit card debt that was allegedly canceled. 

In XX/XX/year>, XXXX XXXX issued a 1099-C to the Internal Revenue Service ( IRS ) and Credit Bureaus stating that it had canceled/ Changed Off a credit card debt of {$3000.00}.

Under IRS regulations ( 26 U.S. Code 6050P ), the filing of a 1099-C indicates that the debt has been discharged and is no longer legally owed. 

However, XXXX XXXX has continued to : Report the same debt as actively delinquent and owed to all three major credit bureaus ( XXXX  Equifax, and XXXX  ), thereby damaging my credit score. 

Attempt to collect on this debt despite the charge off has remained directly through email, over the phone and internally by the banks consumer App. These actions are not only deceptive but are in clear violation of Federal consumer protection laws as follows : Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692e : XXXX XXXX or any third-party collector acting on its behalf is making false representations by attempting to collect a debt that has been declared canceled. 

Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) : Continuing to furnish information that a canceled debt is still active is inaccurate and misleading. 

26 U.S. Code 6050P : This federal tax code mandates proper and truthful reporting of canceled debts to the IRS. 

I am requesting the CFPB to take action to : Investigate XXXX XXXX unlawful and deceptive conduct. 
Compel XXXX XXXX to cease all collection efforts, remove the debt from all credit reports, and issue corrected information to the IRS and credit bureaus. 
Impose any applicable penalties or enforcement action to prevent future harm to consumers. 
I can provide supporting documentation, including the 1099-C ( if needed ), credit reports, and any collection communications, upon request

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: AZ

Complaint narrative:
I am filing this complaint against XXXX XXXXXXXX XXXX for multiple violations of federal consumer protection laws related to a credit card debt that was allegedly canceled. 

In XX/XX/year>, XXXX XXXX issued a 1099-C to the Internal Revenue Service ( IRS ) and Credit Bureaus stating that it had canceled/ Changed Off a credit card debt of {$3000.00}. 

Under IRS regulations ( 26 U.S. Code 6050P ), the filing of a 1099-C indicates that the debt has been discharged and is no longer legally owed. 

However, XXXX XXXX has continued to : Report the same debt as actively delinquent and owed to all three major credit bureaus ( Experian, XXXX XXXX XXXX  ), thereby damaging my credit score. 

Attempt to collect on this debt despite the charge off has remained directly through email, over the phone and internally by the banks consumer App. These actions are not only deceptive but are in clear violation of Federal consumer protection laws as follows : Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX Code XXXX : XXXX XXXX or any third-party collector acting on its behalf is making false representations by attempting to collect a debt that has been declared canceled. 

Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) : Continuing to furnish information that a canceled debt is still active is inaccurate and misleading.

26 U.S. Code 6050P : This federal tax code mandates proper and truthful reporting of canceled debts to the IRS.

I am requesting the CFPB to take action to : Investigate XXXX XXXX unlawful and deceptive conduct. 
Compel XXXX XXXX to cease all collection efforts, remove the debt from all credit reports, and issue corrected information to the IRS and credit bureaus. 
Impose any applicable penalties or enforcement action to prevent future harm to consumers. 
I can provide supporting documentation, including the 1099-C ( if needed ), credit reports, and any collection communications, upon request

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: TX

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

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 2025-04-30 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
It was a XXXX phone bill that my ex boyfriend opened account in my name and information without my knowledge. The company won't let me pay the collection because I don't know the phone number or email address attached to the account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
I have reached out to XXXX  several times and to no avail no response has been provided. These are the accounts reporting incorrectly. 
XXXX XXXX for XXXX, CAINE & WEINER for {$1000.00}, CAINE & WEINER for {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have reached out to Experian several times and to no avail no response has been provided. These are the accounts reporting incorrectly. 
XXXX XXXX for XXXX, XXXX XXXX XXXX for {$1000.00}, XXXX XXXX XXXX for {$1500.00}

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 2025-04-30 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 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Basically every account on my credit report is fraud except for the secured credit card I recently opened up with XXXX XXXX XXXX XXXX. Currently there are 23 different accounts on my report. I filed a police report XX/XX/XXXX with XXXX Police Department. This has been going on for over a decade. It was brought to my attention early last year when I was trying to apply for credit cards and I kept not getting approved and when I did the research this was why. I'm going to list all the company accounts along with the amounts. 
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 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 explanation
Consumer complaint received 2025-04-30 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: IL

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I never authorized their opening. Please rectify this error 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 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
My American Express card was canceled on XXXXthe last payment I processed was on XX/XX/year>. I had been hospitalized and American Express cancelled the card instead of giving me options to bring the account current! I contacted American Express to pay in full and reinstate on XX/XX/year> and the company refused! My account is not even 60 days delinquent and Im cancelled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I logged into my online account to discover my account had been closed, and its XXXX reward points had been forfeited as a result of the closure. These reward points had a value of over {$600.00}. 

The reason given for the account closure was due to inactivity, however I never received any warning of a pending account closure. Since I had been a loyal customer for over 20 years I would have expected better treatment from this bank! 

After calling customer service I was advised to send a written complaint to Comenity Capital Bank. Attached is my letter sent XX/XX/year>. 
The bank has subsequently replied by saying they are unable to remedy the situation. 
Attached is this complaint is the letter I sent on XX/XX/year> and also the bank 's response on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, USAA notified me of my checking and savings account closure, citing large weekly deposits and withdrawals. These were legitimate pay stubs ( {$2000.00} {$2000.00} per week ) and monthly bill payments, including rent ( {$2600.00} {$2800.00} ), car note ( {$800.00} {$900.00} ), and credit cards ( {>= $1,000,000} ), cycling my balance near {$0.00}. On XX/XX/year>, USAA disclosed they are withholding XXXX  {$5000.00} for a XXXXday evaluation, claiming my pay stubs are invalid or suspicious without explanation. 

I called USAA on XX/XX/year>, offering to send pay stubs, an employer verification letter, rent agreement, car loan statement, and credit card bills to prove legitimacy. USAA declined, stating the evaluation process had begun and no action on my end could help. I requested immediate fund release for bills due XX/XX/year>, but USAA refused to explain the invalid claim or expedite the hold. 

USAAs actions violate consumer protections. Their refusal to accept evidence and vague suspicious claim lack transparency ( 12 CFR 1024.36 ), and the 60-day hold is excessive for verifiable wages ( XXXX XXXX XXXX ). The hold prevents payment of rent ( due XX/XX/year> ; {$2800.00} not including % late fee, eviction risk ), car note ( due XX/XX/year> ; {$700.00} fee, repossession risk ), and credit cards ( due XX/XX/year> ; {$1200.00} ] fees, credit damage ), causing substantial injury ( CFPB XXXX XXXX ). Delayed notice of the hold ( XX/XX/XXXX, not XX/XX/XXXX ) breached Regulation DD ( 12 CFR 1030.5 ).

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 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This letter serves as a formal dispute of the debt you allege is owed and a notification of multiple violations of federal consumer protection statutes associated with your collection practices. I do not acknowledge any indebtedness to the following collection agencies : 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 Pursuant to 12 CFR 1006.34 ( b ) ( 5 ), I demand full validation of the alleged debt, including but not limited to the name of the original creditor, the corresponding account number, a comprehensive breakdown of the amount claimed, and a copy of the purchase agreement transferring the debt to your agency. I have simultaneously submitted a complaint to the Consumer Financial Protection Bureau.

Effective immediately, I revoke any and all consent to contact me by phone, text, or email. All communication must be conducted exclusively in writing. Your failure to comply with the dispute provisions under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), as well as your deceptive practices and failure to provide legally mandated disclosures, constitutes a violation of my rights. Moreover, the furnishing of data to credit reporting agencies by [ creditor_name ] without proper disclosures is unlawful per 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

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 2025-04-30 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: FL

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 explanation