vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: FL

Complaint narrative:
CFPB Complaint Inaccurate Reporting & FCRA Violation ( XXXX XXXX XXXX XXXX Company Involved : XXXX XXXX XXXX Credit Bureaus : XXXX XXXX  TransUnion Account in Question : Partial Number : XXXX XXXX XXXX XXXX XXXX Revolving Credit Card Original Limit : {$450.00} Issue Description : I am filing this complaint because the account associated with XXXX XXXX XXXX, which was officially closed on XX/XX/XXXX ( per XXXX ) and XX/XX/XXXX ( per TransUnion ), is being reported inconsistently and inaccurately by the three major credit bureaus. 

XXXX reports the account as positive, with no late payments and correctly marked as closed. 

XXXX and TransUnion, however, are reporting the account as negative, showing 30-day late payments in XX/XX/XXXX and XX/XX/XXXX, even though the account was closed in XXXX and currently has a {$0.00} balance. 

The reported " last activity '' dates in XX/XX/XXXX are not possible for an account that was closed a year prior. 

This reflects a clear violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681i ( a ) ( 5 ) and 1681s-2 ( b ), which require credit bureaus and furnishers to ensure the accuracy and consistency of consumer data, especially after a dispute is initiated. 

Federal Laws Being Violated : FCRA 1681i & 1681s-2 ( b ) : Inaccurate or unverifiable information must be corrected or deleted upon reinvestigation. 

GLBA 6801 : Requires safeguarding the accuracy of consumer financial data.

TILA 1601 : Protects consumers by ensuring transparency and accuracy in credit disclosures.

ECOA 1691 : Inaccurate credit reporting can result in unfair denial of credit opportunities.

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 2025-07-03 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: SC

Complaint narrative:
I am submitting this formal complaint regarding TRANSUNION 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX, I disputed several fraudulent accounts and provided TRANSUNION all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, TRANSUNION failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX  bulletin underscores TRANSUNION 'S failure to uphold consumer protections under 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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year>XXXX  My correct Social Security XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sezzle Inc.
State: FL

Complaint narrative:
The company is reporting a charge-off on my credit report ; however, I have paid the balance in full and also, I have not received a copy of the IRS Form 1099-C, which is required for me to properly report this as income on my taxes. Despite reporting the account as charged off, they continue to report an outstanding balance, which is inconsistent and misleading if a tax benefit has already been taken.

I am formally requesting that the company provide me with a copy of the 1099-C for tax filing purposes. Alternatively, if the debt has not been officially charged off and no 1099-C has been issued, then the credit reporting is inaccurate, and I am demanding the immediate deletion of the tradeline from all credit bureaus. 

Failure to correct or validate this information constitutes a violation of the Fair Credit Reporting Act ( FCRA ), and I reserve the right to pursue legal action for the damages caused by this inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: TX

Complaint narrative:
I am filing a formal complaint because there is inaccurate and/or unverifiable information being reported on my credit report by a consumer reporting agency. I recently obtained a copy of my credit report and found one or more accounts that either do not belong to me, are reported inaccurately, or have already been paid in full.

I submitted a written dispute directly to the credit reporting agency under the Fair Credit Reporting Act ( FCRA ), specifically citing violations of 1681e ( b ) for failing to ensure maximum accuracy, and 1681i for not conducting a reasonable reinvestigation within the 30-day timeframe. 

Despite my demand, the inaccurate information remains on my report, and I have not received sufficient verification or documentation ( such as a signed contract or complete payment history ) to justify the continued reporting of the disputed account. I believe this reflects willful non-compliance with the FCRA and is causing me harm.

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 2025-07-03 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:
I am filing a formal complaint because there is inaccurate and/or unverifiable information being reported on my credit report by a consumer reporting agency. I recently obtained a copy of my credit report and found one or more accounts that either do not belong to me, are reported inaccurately, or have already been paid in full.

I submitted a written dispute directly to the credit reporting agency under the Fair Credit Reporting Act ( FCRA ), specifically citing violations of 1681e ( b ) for failing to ensure maximum accuracy, and 1681i for not conducting a reasonable reinvestigation within the 30-day timeframe. 

Despite my demand, the inaccurate information remains on my report, and I have not received sufficient verification or documentation ( such as a signed contract or complete payment history ) to justify the continued reporting of the disputed account. I believe this reflects willful non-compliance with the FCRA and is causing me harm.

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 2025-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JDJ Investments, INC.
State: LA

Complaint narrative:
I received a collection request from CBS collection stating that I had until XX/XX/XXXX to pay them or they would report it to the credit bureau and take legal action. I had no idea what the debt was for. I wrote them back and asked them for a copy of what they were trying to collect for. On XX/XX/year>, they sent me a copy of a bill statement and also reported it to the credit bureau at the same time. I sent them an email on XX/XX/year> stating that I had just received what they sent on XX/XX/XXXX. Prior to having received this letter from the collection agency, I had never been contacted by the medical provider XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: FL

Complaint narrative:
The company is reporting a charge-off on my credit report ; however, I have not received a copy of the IRS Form 1099-C, which is required for me to properly report this as income on my taxes. Despite reporting the account as charged off, they continue to report an outstanding balance, which is inconsistent and misleading if a tax benefit has already been taken.

I am formally requesting that the company provide me with a copy of the 1099-C for tax filing purposes. Alternatively, if the debt has not been officially charged off and no 1099-C has been issued, then the credit reporting is inaccurate, and I am demanding the immediate deletion of the tradeline from all credit bureaus.

Failure to correct or validate this information constitutes a violation of the Fair Credit Reporting Act ( FCRA ), and I reserve the right to pursue legal action for the damages caused by this inaccurate reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: NJ

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my XXXX XXXXt by XXXX XXXX. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, XXXX XXXX XXXX. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2025-07-03 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:
I've identified some accounts on my credit report that are unfamiliar to me and were not authorized. These may have resulted from identity theft. Ive contacted you about this issue in the past and am now formally requesting that these accounts be deleted from my report as soon as possible. The stress caused by their presence is significant, especially since they dont reflect my financial habits or credit history. If we cant come to a resolution, Im willing to take legal action to protect my interests. These incorrect entries are standing in the way of major financial plans, such as homeownership and providing for my family. I hope this can be resolved without delay.

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 2025-07-03 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXXXXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: PA

Complaint narrative:
My personal and financial information was compromised without my authorization, the family, education, rights, and privacy acts FERPA protect the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safe guard my information given the severity of the breach and resulting compromising to my personal and financial information I request that you immediately cancel and discharge my student loan debt.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-03 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:
Upon reviewing my XXXX XXXX, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: GA

Complaint narrative:
I am submitting this formal complaint against XXXX XXXX XXXX XXXX XXXXXXXX, and the major credit reporting agencies for their failure to follow proper verification and reporting procedures under federal law, specifically the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and relevant provisions of the Internal Revenue Code. 
Account at Issue : Creditor : XXXX  XXXX Amount Charged Off : {$6100.00} Debt Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Response to 1099-C Request : XX/XX/year> Summary of the Issue : XXXX  XXXX charged off my account in the amount of {$6100.00}. Under IRS regulations, any debt cancellation over {$600.00} is considered taxable income and must be reported to the IRS via a Form 1099-C, pursuant to IRC 6050P. On XX/XX/year>, when I formally requested confirmation and a copy of the 1099-C filed with the IRS ( if any ), XXXX  XXXX refused to provide one and denied the debt was forgivendespite the charge-off. 
After the charge-off, XXXX XXXX sold the alleged debt to a third-party debt collector, XXXXXXXX XXXX XXXXXXXX. I was sued in court, and due to the aggressive legal pursuit and lack of resources, I was compelled to enter a $ XXXX  monthly payment agreement under duress. 
I submitted disputes with the credit bureaus, including supporting documentation such as : My request to XXXX  XXXX for a 1099-C Their written denial of debt cancellation Court documents related to the lawsuit and payment plan Proof of chain of assignments and the contradiction in ownership/claim Despite this, the credit reporting agencies continue to mark the XXXX XXXX account as " Verified '' without any substantive reinvestigation or evidence of proper verification, in direct violation of the FCRA 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( b ). 
Legal Violations Cited : 1. FCRA 1681i ( a ) Failure to conduct a reasonable reinvestigation. 
2. FCRA 1681s-2 ( b ) Furnishers of information ( XXXX XXXX ) failed to correct inaccurate or unverifiable data upon notice of dispute. 
XXXX. FCRA XXXX ( b ) Failure to maintain reasonable procedures to ensure accuracy of information. 
4. IRC 6050P Failure to issue Form 1099-C despite a charge-off of more than {$600.00}, while simultaneously denying debt forgiveness and continuing collection through sale. 
5. Deceptive and abusive collection practices Continuing to collect a charged-off debt without properly reconciling the tax implications, consumer rights, or ownership transparency. 

The current state of reporting is inaccurate, misleading, and causing ongoing harm to my financial standing. I have acted in good faith to resolve this matter but have been met with automated responses and circular verifications devoid of actual documentation or accountability. 

Please investigate this matter promptly and advise of the next steps.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: NJ

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my XXXX XXXX Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of XXXX XXXX XXXX regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-07-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: NC

Complaint narrative:
I purchased a phone online from XXXX and went into the store to activate the phone. After being in the store for over XXXX hrs they finally told me there was an issue with the phone and had to return it because they couldnt activate phone. The sales person returned the phone and gave me a receipt. The receipt said it was a XXXX balance and I was going to get my taxes of {$99.00} back. They keep sending me bills saying I owe for the phone I dont possess. I have discussed this issue many times and they were suppose to correct it. Now they are harassing me through bill collectors saying I owe for a phone I dont possess. I sent all the paperwork to the bill collectors stating I turned in the phone and have a XXXX balance but they reported it to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
I sent a {$2000.00} ACH payment through Wise on XX/XX/year>, to pay a XXXX in XXXX. Although I provided the correct beneficiary details, the funds were misdirected into a XXXX omnibus account instead. 

On XX/XX/XXXX, Wise stated they had submitted a recall request to their banking partner. However, no funds were returned, and I received no proof of the recall submission or any timeline for resolution. 

Between XXXX and XXXX, I opened a complaint with the XXXX XXXX XXXX  ( XXXX  Case # XXXX ). Wises Complaints Officer then issued a final response on XX/XX/XXXX, stating that they do not support for further credit transfers and can not guarantee the success of a recall request, since it relies on the beneficiary banks cooperation. They provided no additional information, confirmation of XXXX receipt of the recall request, or partnerbank contact details. 

I have repeatedly asked Wise for : Confirmation that XXXX received the recall request Proof or a reference number for that request An estimated timeline for fund recovery Direct contact information for the partner institution handling the reversal Wise has declined to provide any of these and directed me to escalate through external regulators. The {$2000.00} remains unreturned, causing a significant cashflow disruption. 

I am now seeking assistance to compel Wise ( the originating institution ) and XXXX ( the receiving institution ) to confirm and complete the recall, or to provide clear next steps and a timeline for returning the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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