vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ). Please provide validating documents. The date of last activity is reporting different among all 3 reports. Please conduct a reasonable investigation. This is inaccurate and must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: AL

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
ON XXXX TD BANK RESTRICTED MY ACCOUNT. I HAD XXXX IN MY BUSINESS ACCOUNT I TRANSFERRED XXXX TO MY PERSONAL ACCOUNT, I HAD AN OVER DRAFT IN THE ACCOUNT TD BANK TOOK THEIR MONEY AND SEND MY TRANSFER BACK TO MY BUSINESS ACCOUNT, I WENT TO THE BANK TO GET MY MONEY AND THEY ARE TELLING ME THAT I CAN NOT GET MY MONEY BECAUSE THEY ARE DOING INVESTIGATION... I WAITED A WEEK AND WENT BACK NOW THEY ARE TELLING ME THAT THERE IS NO MONEY IN MY ACCOUNT, AND THAT THEY SENT MY MONEY TO XXXX BECAUSE THE REQUESTED IT.. THESE PAYMENT ARE FROM XXXX TO XX/XX/year> COINCIDENTALLY!! OUT OF THE XXXX PAYMENTS THAT XXXX SENT TO THIS ACCOUNT SINCE XXXX.... 

I GOT IN CONTACT WITHT XXXX  WITH PAPER TRAIL THROUGH EMAIL AND THEY SAID THAT THEY DID NOT REQUEST ANY MONEY FROM TD BANK. ATTACH BELOW ARE ALL THE TRANSFERS THAT XXXX SENT TO TD BANK ... EVERYBODY I TALK TO AT TD BANK IS GIVIN RUN AROUNG FOR A MONTH NOW AND I NEED MY MONEY.. IF THIS IS NOT RESOLVED AS LIITLE AS IT IS I HAVE THE TIME AND RESOURCE AND MONEY TO FILE A LAWSUIT AGAINST TD BANK ... TRUST ME... 

FIRST THEY SAY THAT THEY SENT IT TO XXXX THEN THEY SAY THAT XXXX REQUESTED IT THEN THEY SAY THAT THE PAYMENTS WERE MADE TO A DIFFERENT PERSON NAME OTHER THAN THE ACCOUNT HOLDER.. 

NOW MY QUESTION IS .. ALL THESE XXXX PAYMENTS WERE MADE TO TEH SAME NAME FROM XXXX TO THE SAME ACCOUNT, WHY HAVE THEY NOT RETURNED ALL PAYMENT ..??? WHY WOULD XXXX ONLY REQUESTED BANK XXXX OUT OF XXXX ...... INEED MY MONEY IMMEDIATELY!! 

ATTACH BELOW IS PAPERTRAIL WITH XXXX  AND RESOLUTION!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: ME

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My account with XXXX XXXX is current. The creditor is not reporting the information on the Experian report as current.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Saturn Systems, Inc
State: NV

Complaint narrative:
I am escalating this complaint regarding Saturn Systems, INCXXXX XXXX XXXX Account XXXX XXXX due to egregious violations of the Fair Debt Collection Practices Act ( FDCPA ) and refusal to comply with federal consumer protection laws. Violation Summary : Failure to Provide Mandatory Validation Notice ( 15 U.S.C. 1692g ) : Per the FDCPA, the collector is legally obligated to send a written debt validation notice within five ( 5 ) days of initial communication. I have never received such notice, nor has the collector produced documentation ( e.g., certified mail receipt, electronic delivery confirmation ) proving compliance with this requirement. Willful Non-Compliance : Upon formally disputing the debt and requesting validation under 15 U.S.C. 1692g ( b ), the collector explicitly stated they are " not obligated to provide evidence '' of validation. This assertion is false and constitutes a direct violation of federal law. Harm to Consumer Rights : By furnishing unvalidated debt to credit bureaus, the collector has unlawfully impaired my creditworthiness and denied me due process to investigate or dispute this alleged debt. Demands : Immediate Deletion of this account from all credit bureaus ( Experian, Equifax, TransUnion ). Cease All Collection Activity, including credit reporting, until full compliance with FDCPA is achieved. Documentation proving strict adherence to 15 U.S.C. 1692g ( a ), including a copy of the initial validation notice and proof of delivery ( e.g., USPS tracking, signed receipt ) within 5 calendar days. Legal Action Notice : If these demands are not met within 15 days, I will pursue all available remedies, including : Filing a civil lawsuit under FDCPA ( 15 U.S.C. 1692k ) for statutory damages of {$1000.00} per violation, actual damages, and attorney fees. Submitting complaints to the FTC, State Attorney General, and Consumer Financial Protection Bureau ( CFPB ) for willful non-compliance. Petitioning credit bureaus for removal under FCRA 611 due to unverified information. I have attached previous correspondence demonstrating their refusal to validate. This agency 's failure to validate the debt voids any legal authority to collect or report it. I demand prompt resolution to rectify this violation of my consumer rights. 

Collectors previous response did not address my initial complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: GA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-05-01 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: GA

Complaint narrative:
I have disputed Numerous of times in regarding inaccurate information being reported to my credit report and have been met with constant denials. I ask the cob to investigate this matter with the bureaus and also ask they they provide proof of anything I have recently disputed in regards to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: GA

Complaint narrative:
I have disputed Numerous of times in regarding inaccurate information being reported to my credit report and have been met with constant denials. I ask the cob to investigate this matter with the bureaus and also ask they they provide proof of anything I have recently disputed in regards to 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 2025-05-01 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
In XXXX of XXXX, I discovered multiple inaccurate and unauthorized accounts and hard inquiries on my credit reports, which I obtained from Experian, TransUnion, and Equifax. These entries were not initiated or approved by me and appear to be the result of identity theft. The fraudulent accounts include : XXXXXXXX XXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXXXXXX XXXX accounts ( opened XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ), XXXX XXXX XXXXXXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXX opened XX/XX/XXXX ), XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  opened XX/XX/XXXX ), XXXXXXXX XXXX ( opened XX/XX/XXXX ), and XXXX XXXXXXXX ( opened XX/XX/XXXX ). The following hard inquiries also appeared on my reports without my consent or any permissible purpose : XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XX/XX/XXXX ). 

I submitted a notarized affidavit identifying each of these accounts and inquiries as fraudulent and violations of the Fair Credit Reporting Act. These accounts were inaccurately reported in violation of Section 623 ( a ) ( 1 ) ( A ), which mandates the reporting of accurate information. The inquiries breached Sections 1681b and 1681q, as they were made without my authorization and lack a permissible purpose. Despite this formal dispute, these inaccuracies remain on my reports.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Upon conducting a recent and thorough review of my credit report, I identified multiple entries that are factually inaccurate and do not reflect my true credit history. As such, I am formally demanding immediate correction in accordance with the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are legally required to follow reasonable procedures to assure maximum possible accuracy of the information they report. Your failure to do so constitutes a direct violation of federal law.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; Furthermore, pursuant to 15 U.S. Code 1681i ( a ) ( 5 ), if any disputed information is found to be inaccurate, incomplete, or unverifiable during a reinvestigation, the reporting agency must promptly delete or modify that item and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XX/XX/XXXX AccountXX/XX/XXXXBalance {$700.00} Opened XX/XX/XXXX XXXX XXXX Account # XXXXXX/XX/XXXXBalance {$1000.00} Opened XX/XX/XXXXXX/XX/XXXXAccount # XXXXXX/XX/XXXX Balance {$3800.00} Opened XX/XX/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 2025-05-01 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: AL

Complaint narrative:
Upon conducting a recent and thorough review of my credit report, I identified multiple entries that are factually inaccurate and do not reflect my true credit history. As such, I am formally demanding immediate correction in accordance with the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are legally required to follow reasonable procedures to assure maximum possible accuracy of the information they report. Your failure to do so constitutes a direct violation of federal law.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; Furthermore, pursuant to 15 U.S. Code 1681i ( a ) ( 5 ), if any disputed information is found to be inaccurate, incomplete, or unverifiable during a reinvestigation, the reporting agency must promptly delete or modify that item and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XX/XX/XXXX AccountXX/XX/XXXXBalance {$700.00} Opened XX/XX/XXXX XXXX XXXX Account # XXXXXX/XX/XXXXBalance {$1000.00} Opened XX/XX/XXXXXX/XX/XXXXAccount # XXXXXX/XX/XXXX Balance {$3800.00} Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: AL

Complaint narrative:
. YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA

Complaint narrative:
Car debt was sent over to collections agency and I have made several attempts to contact the collections agency to settle the debt and have it removed from credit report and each time Ive called Ive been sent to a voicemail and no luck of speaking to a representative

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 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On the morning of XX/XX/year>, American Express abruptly closed all three of my credit card accounts without warning or valid explanation. The only reason provided in the email notification was misuse, but no details or evidence were shared. I have been an American Express customer for over 15 years and have always used my cards for regular, personal expenses. I am unaware of any activity that would be considered misuse. 

When I called the American Express cancellation department to request clarification and reinstatement, the representative treated me with extreme disrespect. They refused to offer a solution, spoke in an arrogant tone, and even told me not to call back. 

This experience has been frustrating and damaging to my credit and financial planning. I am seeking reinstatement of my closed accounts. If reinstatement is not possible, I request a full refund of any annual fees charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DO NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief