vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 
I request that you promptly verify or remove the following account : XXXX XXXX XXXX - XXXX * * * * - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. - Pursuant to 15 U.S. Code 1692j - Furnishing Deceptive Forms, I am not involved in the collection of this alleged debt. You are hereby ordered to cease and desist all collection activities immediately. 
Incorrect XXXX - XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 
I request that you promptly verify or remove the following account : XXXX XXXX XXXX - XXXX * * * * - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. - Pursuant to 15 U.S. Code 1692j - Furnishing Deceptive Forms, I am not involved in the collection of this alleged debt. You are hereby ordered to cease and desist all collection activities immediately. 
Incorrect XXXX - XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
I am submitting this complaint regarding unjust and excessive late fees charged to my Raymour & Flanigan store credit card account, which is managed by TD Bank. 

Due to a verified fraud incident on my primary checking account, my funds were temporarily frozen while I worked with my bank to open a new account. As a direct result, my scheduled payment to TD Bank was delayed by just XXXX day. 

I proactively contacted TD Bank, explained the situation, and offered to provide documentation of the fraud, including a copy of this CFPB complaint for their internal file. Despite my transparency and good-faith efforts to resolve the matter, TD Bank refused to offer any accommodation or fee waiver. 

I believe this rigid response and the subsequent imposition of late fees under documented and exceptional circumstances constitute an unfair and predatory practice. Charging such fees with zero consideration for consumer hardship, especially when tied to fraud and not negligence, is unacceptable. This is particularly concerning given the increasing scrutiny surrounding junk fees and anti-consumer behavior in the credit industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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 this complaint against my federal student loan servicer for the inaccurate and potentially unlawful reporting of my loan account ( s ) to the credit bureaus ( XXXX, XXXX, TransUnion ).

I believe this includes violations of the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ).

I was not properly notified about the delinquency or given a clear opportunity to address it.

My educational and financial records were reported in a way that may violate FERPA.

My personal and financial data may have been compromised or shared without proper authorization. 

Ive already disputed this information with all three credit bureaus, but the issue has not been resolved. I am requesting the CFPB investigate both the loan servicer and the credit bureaus handling of this information to ensure it complies with all federal protections.

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 2025-04-22 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 this complaint against my federal student loan servicer for the inaccurate and potentially unlawful reporting of my loan account ( s ) to the credit bureaus ( XX/XX/XXXX, Experian, XX/XX/XXXX). 

I believe this includes violations of the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ).

I was not properly notified about the delinquency or given a clear opportunity to address it.

My educational and financial records were reported in a way that may violate FERPA.

My personal and financial data may have been compromised or shared without proper authorization.

Ive already disputed this information with all three credit bureaus, but the issue has not been resolved. I am requesting the CFPB investigate both the loan servicer and the credit bureaus handling of this information to ensure it complies with all federal protections.

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 2025-04-22 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: TX

Complaint narrative:
I am filing this complaint against my federal student loan servicer for the inaccurate and potentially unlawful reporting of my loan account ( s ) to the credit bureaus ( Equifax, XXXX, XXXX  ). 

I believe this includes violations of the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ).

I was not properly notified about the delinquency or given a clear opportunity to address it.

My educational and financial records were reported in a way that may violate FERPA.

My personal and financial data may have been compromised or shared without proper authorization.

Ive already disputed this information with all three credit bureaus, but the issue has not been resolved. I am requesting the CFPB investigate both the loan servicer and the credit bureaus handling of this information to ensure it complies with all federal protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
I have no knowledge of this debt from XXXX XXXX XXXX. This is not my home address, I do not own a home. Im receiving debt collection notices for {$290.00}. They said they are sending this to my credit report. The dates are for XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: MD

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am disputing this inquiries because I did not authorize or request that my credit be pulled. In accordance with the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ), a company must have a permissible purpose to access a consumer 's credit report. I formally requested validation of this inquiry, including a copy of the contract bearing my wet signature that reflects a legitimate business reason. To date, no such documentation has been provided. I was told they would remain for 2 years but I have not received any proof within the 30 days. 

Therefore, I respectfully request that this unauthorized inquiry be removed from my credit report XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX TX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX TX XXXX XXXX XXXX TX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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 disputing this inquiries because I did not authorize or request that my credit be pulled. In accordance with the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ), a company must have a permissible purpose to access a consumer 's credit report. I formally requested validation of this inquiry, including a copy of the contract bearing my wet signature that reflects a legitimate business reason. To date, no such documentation has been provided. I was told they would remain for 2 years but I have not received any proof within the 30 days. 

Therefore, I respectfully request that this unauthorized inquiry be removed from my credit report XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX TX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX TX XXXX XXXX XXXX TX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX TX 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 2025-04-22 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: LA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 1. XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX XXXX  - XX/XX/XXXX 3. XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX - XX/XX/XXXX 5. XXXX XXXX - XX/XX/XXXX 6. XXXXXXXX XXXX XXXX  XX/XX/XXXX 7. XXXXXXXX XXXX - XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX - XX/XX/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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint against Experian for failing to remove an outdated and inaccurate address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit report. On XX/XX/XXXX and again on XX/XX/year>, I submitted formal disputes, including a notarized affidavit, my drivers license, a utility bill, and a recent XXXX XXXX XXXX statement all showing my current and correct address. Despite receiving all this evidence, Experian continues to report the old address, which no longer reflects my legal residence and has not been verified by the current data furnisher. 

This practice violates the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) and 1681i ( a ), which require Experian to ensure maximum possible accuracy and to conduct a proper reinvestigation of disputed items. The continued reporting of multiple and outdated addresses causes confusion, misrepresentation, and harms my credit profile. 

I am requesting enforcement action to compel Experian to immediately remove the incorrect address and comply with 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 explanation
Consumer complaint received 2025-04-22 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-22 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: GA

Complaint narrative:
My friend and former room mate used my private and personal information to open accounts and loans without my permission or knowledge. I did not open these accounts, These accounts I am disputing are not mine, Please remove these right away from my credit. I would like my dispute handled correctly also, I have major concerns about this because of the pending litigation against the credit bureaus by the CFPB. I read that the CFPB is suing the bureaus due to their failure to properly handle disputes. Please handle mine in accordance with the provisions of the lawsuit, otherwise I am very happy to have the CFPB add my claim to their lawsuit.

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 2025-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Servicing Solutions, LLC
State: CT

Complaint narrative:
I had a business credit card under XXXX XXXX XXXX with XXXX that was transferred to Servicing Solutions, which then had notified me that the account would no longer be active due to the original company closing, and the account would be transferred Servicing Solutions which is now my contact to pay the bill. Account was paid in full in XX/XX/XXXXXXXX XXXX XXXX XXXX I called and spoke to XXXX about the XXXX late fee since this was paid in full. I was told this was an error on their end, and yes, it is paid in full and will talk to a supervisor. He came back and said the supervisor is not available but will send an email to have it waived, and the account will be closed. XX/XX/XXXX received another notice that the bill was past due. I called a spoke to XXXX, and he told me the same exact thing as above. Assured me it will be handled. XX/XX/XXXX called again. Spoke to XXXX and again was told the same exact thing about the supervisor. He said it will get waived, and the account will be closed, and I stressed the severity of this, and it needs to be done that day asap, and to please send me an email when done. 
I said that I do not want it to affect my credit. He said no, it won't, and again, said the same thing will be waived and closed. The supervisor was still busy, but he will send an email, and it will get done. XX/XX/XXXX got another statement now we are at XXXX, and it still has not been taken care of - I called today and spoke to XXXX, and again I was told the same thing about his supervisor being unavailable. I explained that I am tired of all the lies and the same responses and that this is unacceptable. I said I would get an attorney involved, he assured me that it would get done right then and there, and that he would call me back to tell me it was done. No callback

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: FL

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief