vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: PA

Complaint narrative:
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. # 3 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt ( Remove all Inquiries ) - XXXX XXXXXXXX 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 2025-05-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga, XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, Ga XXXX Subject : Dispute of Unauthorized/Inaccurate Hard Inquiries on My Credit Report Dear Equifax, I am writing to formally dispute several unauthorized or inaccurate hard inquiries listed on my credit report. I obtained a copy of my credit report. I obtained a copy of my credit report from your bureau, and I have noticed multiple hard inquiries that I did not authorize or recognize. 

Below are the inquiries in question 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

Company response to consumer: Closed with explanation
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: NV

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We have had multiple events with WF telling of Fraud, access to our account, money xfered elsewhere including my credit card. There has been wrong names/address on my CC account of all we have worked with WF to fix. They created new accounts including a CC account I immediately torn up the old cc and the new ones sent to me and told them I will not use a CC with WF, and it is closed and card torn up. I have closed the CC account about 3 months ago b/c of this danger to my finances. I come to find out about XX/XX/year> that the account was not closed. I went through the motions again and received confirmation that the account is closed verbally and a letter received XXXX. We went to the bank to verify that no transactions in or out will take place on this account and they confirmed it. on XXXX I find out they accepted a credit to the account and thus it is closed. i talked to the number on the letter and the bank and they refuse to close the account telling me they can send me a check for the credit they accepted in the account. I'm afraid to just accept the check without assurance that the account is closed. I asked them to return the credit to the sender b/c the account is closed, they refused. I am asking for help to make sure the account is closed and it should have been. I will accept the check when to tell me it's ok.

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 2025-05-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: CCM Finance LLC
State: TX

Complaint narrative:
Account info Account name CCM FINANCE LLC Account number XXXX Original creditor - Company sold - Date opened XXXX XXXX, XXXX Open/closed Closed Status updated XX/XX/XXXX Account type Installment Status Repossession Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$35000.00} Monthly payment - Last Payment Date XX/XX/XXXX Past due amount - Terms 55 Months Responsibility Individual Account Collection amount and reporting amount are inaccurate. The company sent me an email of the change of ownership and the balance was not updated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I would like to dispute items on my Experian credit file. I have ben a victim of identity theft in the past a recently after a data breech from Experian. Experian is not allowing me to dispute items over the phone. I called the phone number ( XXXX ) with a case number # XXXX that pops up on the screen. I asked the Experian phone operator why I cant I dispute online. The person said I had to do it on the phone. I was not given a reason why? I could barley understand the person taking my information and this is every time I call. I would like access to file my own dispute online at my leisure and be able to upload my supporting documents instead of mailing it. Experian makes it so difficult to get on top of this issue with being a victim of identity theft and there are things still on my account that are not mine. I have access to my XXXX XXXX XXXX dispute online features and I would like the same with Experian. 

This is the message that pops up on the screen : For security reasons, we can not process your dispute online. Please contact us below. 
Our Experian Dispute Specialists are available to assist you. When calling, use Report 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 2025-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: CA

Complaint narrative:
Experian has been reporting inaccurate information 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 2025-05-02 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: PA

Complaint narrative:
Upon reviewing my credit file, I identified potentially incorrect and questionable remarks that appear to lack proper verification. As a consumer, I am exercising my rights to request the immediate removal of these items in compliance with both federal and state consumer protection laws. This letter also serves to confirm whether your reporting practices align with the Fair and Accurate Credit Transactions Act ( FACTA ), Title 1, Section 151, which sets clear guidelines for proper verification procedures. 
XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2023 {$0.00} XXXX XXXX XXXX XXXX * * * Date Opened : XX/XX/2023 {$3200.00}

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 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST PORTFOLIO SERVICING INC
State: LA

Complaint narrative:
I am filing this complaint regarding the recent closure of my credit card account with Total Visa, which I have had for approximately 6 years. 

On XX/XX/year>, I submitted a payment to the account after accidentally missing the due date by two days. While speaking with a customer service representative to request a late fee waiver, I was informedwithout prior noticethat my account had been closed. When I asked for the reason, I was told it was due to having an outdated address on file, despite the fact that I had recently submitted an address update and continued using and making payments to the account. 

I was never contacted via phone, message on website, email, or mail regarding the account being at risk of closure. The closure now appears on my credit report as closed by credit grantor, which unfairly suggests that I was delinquent or at fault. 

I am seeking the following resolution : A formal explanation of why I was not notified prior to the account closure. 
An investigation into the legality and fairness of closing an account without notice based solely on a recently updated address. 
A correction to the reporting of this account on my credit report to either reflect closed at consumers request or for it to be removed entirely if proper procedures were not followed. 

This action has harmed my credit profile, and I believe it may be in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ).

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Complaint- you were told a collection with Southwest Credit systems would be deleted after payment on XX/XX/year>. I had the credit bureaus call them on XXXX to ask and obtain the deletion over the phone, after giving Southwest Credit systems my authorization to speak to the bureaus but they refused. I am desperately trying to obtain this deletion after payment so that I can move into my new home as it is a condition of my loan approval.

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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXXXXXX XXXX XXXX BALANCE : {$5100.00}, XXXX XXXX XXXX XXXX XXXX XXXX  BALANCE : {$2300.00}, XXXX XXXX XXXX XXXX  BALANCE : {$4000.00}, XXXX XXXXXXXX XXXX XXXX BALANCE : {$5100.00}, XXXX XXXX XXXX XXXX XXXX BALANCE : {$4100.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud.

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 2025-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I have never consented prior at any time to a 3rd party Debt Management and Collections Services to having my information, under the family Educational Rights and Privacy Act, The Department of Education without my prior knowledge nor consent have shared my confidential loan information with several 3rd parties. They have sold and or traded my loan for the past 20 years on the secondary market as well as shared my private loan information which consent of my name, address, social security number, address, loan amount and account number. This breach is in violation of 34 CFR Part 99, in addition a violation of 15 USC 1692c ( b ) which has trigged a Tort Claim of Invasion of Privacy. This sharing of information to 3rd party debt collectors and the sharing of information to National CRA 's has caused me to suffer unmeasurable damages of miss credit extension opportunities, oppress of primary lenders and harassment which has caused my credit worthiness and reputation to suffer by deformation of character. And current preventing me from obtaining financial aid to start school to learn a trade which would allow me to reenter the job market.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX is the original creditor that sold the account without my knowledge. Since then, XXXX XXXX has been reaching out to me regarding a debt that no longer appears on my credit report. When I requested information, I was merely instructed to contact a number, without being provided an email address, account number, or any additional details.I

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 2025-05-02 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: NC

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

Company 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: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: NC

Complaint narrative:
Interest rates are so high that after 3 payments the balance of the loan has gone up. 
I borrowed {$850.00} and am making biweekly payments ranging between XXXXXXXX XXXX and XXXXXXXX XXXX and the current balance is {$860.00}.

Company response to consumer: Closed with explanation
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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed my credit reports and noticed fraudulent activity. Please remove these accounts from my credit reports as they are hurting my ability to obtain credit. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CO

Complaint narrative:
In XX/XX/scrub> 2024, I was misled over the phone by someone claiming to represent XXXX. They said they could take over my outstanding XXXX emergency room bill and offer me a prorated payment plan. I was rushed through the process and, under pressure, provided my Discover card information for what I believed was a legitimate arrangement. 

Immediately after the call, I felt something was wrong and contacted Discover right away, while the initial charge of {$380.00} was still pending to report the incident. Discover told me they would investigate, canceled my card, and issued a new one. Despite this, XXXX more recurring charges of {$330.00} each still went through on the new card in the following months, totaling {$1000.00} in unauthorized charges. Discover failed to block these additional charges, even after I raised concerns early and followed all procedures. 

Later, I received a welcome packet in the mail from a company called XXXX XXXX XXXX, though the charges appeared on my Discover statement as XXXX. At no point during the call was I told I was signing up for XXXX. When I followed up with both XXXX and XXXX, I was told that neither organization authorizes third-party billing companies to collect payments, confirming that this was a deceptive and unauthorized transaction. 

I have never received any services from XXXX or XXXX. I ultimately established a direct payment plan with XXXX to manage my actual medical balance. 

Despite my immediate report, Discover misclassified the case as fraud, then transferred it to billing, leading to nearly XXXX months of back-and-forth. I faxed all requested evidence showing I never received the promised service and that the arrangement was based on misrepresentation. Still, Discover closed the case saying they couldnt do anything further because I voluntarily provided my card information and the company is a third party. They even asked me to contact the merchant directly, which is unreasonable since this company has numerous scam reports on the XXXX  and XXXX and does not respond reliably to consumers. 

This situation has caused me financial harm, emotional stress, and significant lost time. I did everything right, reported early, complied with documentation, followed up repeatedly, but Discovers failure to block charges, misroute the dispute, and now deny responsibility has left me without resolution.

Company response to consumer: Closed with explanation
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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