vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
Without my acknowledgment this account was taken off auto pay I called to close account because I thought it was paid in full .. they closed account but it still had a balance I was not aware of .. had numerous calls to try to resolve issue.. but by this time the account had reported late to credit bureau .. AFTER CLOSED. This brought my credit score way down .. Ive worked hard paying off {$10000.00} in other debt this year.. but this account reports late and totally destroyed my credit.. I spent over 2 hours on the phone XXXX XXXX to try to figure out what was going on .. paid late fees even though account was closed.. I just want my credit score to go back up .. its so frustrating .. and out of my control

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding the accuracy and legality of the collection tradeline listed by : Creditor : LVNV FUNDING LLC Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$670.00} Account Status : Open, Collection Account Remarks : Account information disputed by consumer ( FCRA ) This entry is materially inaccurate, incomplete, and unverifiable under federal law. There is no documentation of the original debt, account history, or contract substantiating this balance. The data appears to be furnished without validation or context, which is prohibited.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is a follow-up complaint to ensure that TransUnion and XXXX  fully reinvestigate and correct the inaccurate personal information currently reflected on my credit reports. Specifically, TransUnion is reporting previous addresses at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, along with employment records listing 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/year>. These discrepancies in addresses and employment history are causing confusion and inaccuracies in my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i mandates a reasonable and thorough reinvestigation of disputed personal information. Both bureaus have a legal obligation to ensure the accuracy and completeness of all data they report as per 15 U.S.C. 1681e ( b ). The presence of conflicting and inconsistent address data and employment history raises concerns that these details may be due to potential data breaches or improper data handling, compromising the integrity of my credit file. These inaccuracies can lead to misidentification and damage to my creditworthiness, which is unacceptable.

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 2025-05-23 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: FL

Complaint narrative:
This letter is a final escalation and a formal record of your continued failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I refer to my previous letter, dated XX/XX/XXXX, wherein I identified a list of unauthorized or unverified inquiries that you have allowed to remain on my credit report, despite my documented dispute and request for a proper investigation. You have not provided any documented results of an investigation, nor have you removed the inquiries in question. This is a direct and willful violation of FCRA 611 ( a ) and 604 ( a ) ( 3 ), which governs the permissible purposes for accessing a consumers credit report. Your failure to act in good faith or respond within the required time frame constitutes a breach of your legal obligations and subjects you to potential civil liability under FCRA 616 and 617.

Summary of Your Violations : Failure to investigate disputed inquiries within the 30-day time frame mandated by FCRA ; Failure to provide documentation showing that these entities had a permissible purpose to access my credit file ; Continuing to publish unverified and potentially unauthorized inquiries, thereby damaging my creditworthiness.

Renewed Demand : You are hereby given one final opportunity to correct the following before I proceed with legal action : Provide written documentation verifying the permissible purpose under FCRA 604 ( a ) for each inquiry listed in my prior letter ; Provide contact information and identity validation of each party that accessed my credit report ; Remove all unverifiable inquiries from my credit file immediately ; Send me a detailed reinvestigation report within XXXX calendar days from the date of this letter. 

If you are unable to provide documentation that confirms a legitimate business relationship or a permissible purpose for any of the listed inquiries, the law is clear : you must delete them. 

Legal Action Pending : If I do not receive a full and compliant response by [ insert deadline 15 calendar days from todays date ], I will proceed with the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) ; Submit reports to the Federal Trade Commission ( FTC ) and my State Attorney General ; Initiate a civil lawsuit against Equifax for willful and/or negligent violations of FCRA, including : XXXXStatutory damages of up to {$1000.00} per violation ; XXXXActual damages including credit denial and emotional distress ; XXXXPunitive damages, attorneys fees, and legal costs. 

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 2025-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
According to FCRA section 605b, law 15 usc 6802 b, it is illegal to report anything on my credit report without my permission.

Please remove this negative item Thanks

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 2025-05-23 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: FL

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution. Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information. Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section. I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes. Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: NY

Complaint narrative:
Equifax is inaccurately reporting a charge-off account from XXXX XXXX under account number ending in XXXX, with a balance of {$790.00}. I am highly concerned that this entry was added or maintained on my credit report without a proper investigation or validation. To date, I have not received any original documents verifying that this debt is valid, due, or legally enforceable. Furthermore, no attempt has been made by Equifax to ensure this derogatory item meets the accuracy standards required under federal law before including it on my credit file. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifax 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 16811 ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: CA

Complaint narrative:
My Experian credit report reflects a collection account from XXXXXXXX XXXX XXXXXXXX under account number XXXX, with a reported balance of {$0.00}. Despite showing a XXXX balance, this account remains listed as a collection, which is misleading and damaging to my credit profile. Reporting a collection with a XXXXXXXX balance misrepresents the current status of the account and can unjustly impact my creditworthiness, which is not only inaccurate but also a violation of my rights under the Fair Credit Reporting Act. 

As per 15 U.S.C. 1681e ( b ), Experian is required to follow reasonable procedures to ensure maximum possible accuracy of the information it reports. Reporting a collection as active or derogatory when the balance is paid off or zeroed out constitutes a clear failure to uphold this obligation. Moreover, 15 U.S.C. 1681i requires Experian to conduct a reasonable reinvestigation when a consumer disputes information, which I am now requesting. This item, as it stands, gives lenders the false impression that I have unresolved debts, which can significantly hinder my financial opportunities, despite no actual monetary balance being due.

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 2025-05-23 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: CA

Complaint narrative:
All three credit bureaus : Equifax, Experian, and TransUnion, were wholly unable to verify the information I provided. All three websites asked me questions about my credit such as auto loans and accounts which I never opened or inquired about.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: GA

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! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-23 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: GA

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! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: IN

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-23 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-23 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I had originally bought a chocolate cardigan sweater in size small from XXXX XXXX  on XXXX XXXX. I bought this XXXX  using a program called XXXX ; XXXX is a company that allows me to pay in 4 payments. The total amount of the cardigan amounted to {$77.00} which means each installment was {$19.00}. Upon receiving the cardigan, it was stained. I sent in pictures and videos of the sweatshirt and received a refund of {$77.00}, however I was only refunded {$38.00} ; this was refunded to me on XX/XX/year>. Upon calling Wells Fargo customer service, they told me that since it is past the XXXX  day mark there is nothing that they can do. I have tried to speak to XXXX  about this matter however, they are not helping me in this situation and claim that there is nothing they can do. I do not think this is fair. Wells Fargo should be able to help me ; the proof is right there and it should not matter that the purchase was made past the 119 day mark ; I just received the refund now on XX/XX/year> when I was suppose to receive the refund last year ; I had to reach back out to XXXX XXXX to tell them I never got my refund. XXXX XXXX  refunded me my full {$77.00}. XXXX ( the 4 installment plan ) only refunded me {$38.00} and Wells Fargo is not doing anything to help me.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
Case Reference : XXXX XXXX Portfolio Recovery Associates LLC, Case No. XXXX, XXXX XXXX XXXX XXXX XXXX of Arkansas I am currently engaged in an XXXX XXXX XXXX  against Portfolio Recovery Associates ( PRA ) over unlawful credit reporting and FCRA violations. PRA had previously removed the tradeline from my credit reports following service of the lawsuit. However, without any notice, they re-reported the account to XXXX on XX/XX/year>, and to XXXX in XX/XX/year>, while the case was ongoing. 

PRA never notified me or the CRAs of the reinsertion as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). They also failed to properly mark the account as disputed, even though I had submitted multiple disputes and filed this litigation challenging the accuracy of the account. 

Impact & Harm : XXXX score dropped from XXXX to XXXX on XX/XX/year>, after the re-reporting. 

Denied a XXXX XXXX business credit card on XX/XX/year>, directly during this period. 

XXXX score dropped from XXXX to XXXX after PRA re-reported the account in XX/XX/year>. 

Suffered loss of credit opportunities and reputational harm. 

PRA has re-aged and reinserted data without compliance and continued to report despite being fully aware of active litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Account CREDIT COLLECTION SERVICE # XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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:
In XXXX 2025, I reviewed my credit report from Experian, XXXX & Equifax and discovered numerous accounts reporting as collections, charge-offs, and delinquent even after disputes have been submitted in the past. These accounts included entries from XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , and XXXX XXXX. I have mailed a formal dispute letter to Experian under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). In this letter, I requested that Experian conduct a reinvestigation and immediately delete all unverifiable, inaccurate, or fraudulent accounts. I included identification documents ( Social Security card and drivers license ) with the dispute letter. The disputed accounts involved multiple balances As of today the information has not removed these items or provided any verification documents to substantiate their reporting. I believe they are in violation of the FCRA by continuing to report unverified or fraudulent accounts and failing to act promptly upon receiving my dispute.

I am seeking immediate deletion of these accounts and full compliance with the investigation and blocking provisions of the FCRA.

Company response to consumer: Closed with non-monetary relief