vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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: TX

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX XXXX ( XXXX ) for engaging in deceptive practices, wrongful account closure, and harmful dual credit reporting related to a debt they charged off and sold to a third-party collection agency. 
1. Deceptive Practices & Wrongful Account Closure XXXX XXXX closed my account without proper notice or just cause, despite prior communications suggesting otherwise. Their actions were misleading and conducted in bad faith, violating my trust as a customer. I was not given a fair opportunity to resolve the matter before the account was shut down. 
2. Improper Dual Credit Reporting After charging off the account, XXXX XXXX sold the debt to a third-party collection agency. However, they continued to report the charged-off account to credit bureaus while the collection agency is also reporting the same debt. This results in double reporting of the same obligation, unfairly inflating my overall debt load and causing additional and unnecessary harm to my credit score. 
3. Excessive Financial and Reputational Damage As a result of these actions, my credit profile has been severely impacted. The dual reporting, in particular, creates the false impression that I have more outstanding debt than I actually do. This has affected my ability to secure housing, credit, and other financial services, constituting ongoing and compounding damage. 
I believe these actions violate provisions of the Fair Credit Reporting Act ( FCRA ) and Federal Trade Commission ( FTC ) guidance on fair and accurate credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: TX

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX XXXX ( XXXX ) for engaging in deceptive practices, wrongful account closure, and harmful dual credit reporting related to a debt they charged off and sold to a third-party collection agency. 
1. Deceptive Practices & Wrongful Account Closure XXXX XXXX closed my account without proper notice or just cause, despite prior communications suggesting otherwise. Their actions were misleading and conducted in bad faith, violating my trust as a customer. I was not given a fair opportunity to resolve the matter before the account was shut down. 
2. Improper Dual Credit Reporting After charging off the account, XXXX XXXX sold the debt to a third-party collection agency. However, they continued to report the charged-off account to credit bureaus while the collection agency is also reporting the same debt. This results in double reporting of the same obligation, unfairly inflating my overall debt load and causing additional and unnecessary harm to my credit score. 
3. Excessive Financial and Reputational Damage As a result of these actions, my credit profile has been severely impacted. The dual reporting, in particular, creates the false impression that I have more outstanding debt than I actually do. This has affected my ability to secure housing, credit, and other financial services, constituting ongoing and compounding damage. 
I believe these actions violate provisions of the Fair Credit Reporting Act ( FCRA ) and Federal Trade Commission ( FTC ) guidance on fair and accurate credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: TX

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX XXXX ( XXXX ) for engaging in deceptive practices, wrongful account closure, and harmful dual credit reporting related to a debt they charged off and sold to a third-party collection agency. 
1. Deceptive Practices & Wrongful Account Closure XXXX XXXX closed my account without proper notice or just cause, despite prior communications suggesting otherwise. Their actions were misleading and conducted in bad faith, violating my trust as a customer. I was not given a fair opportunity to resolve the matter before the account was shut down. 
2. Improper Dual Credit Reporting After charging off the account, XXXX XXXX sold the debt to a third-party collection agency. However, they continued to report the charged-off account to credit bureaus while the collection agency is also reporting the same debt. This results in double reporting of the same obligation, unfairly inflating my overall debt load and causing additional and unnecessary harm to my credit score. 
3. Excessive Financial and Reputational Damage As a result of these actions, my credit profile has been severely impacted. The dual reporting, in particular, creates the false impression that I have more outstanding debt than I actually do. This has affected my ability to secure housing, credit, and other financial services, constituting ongoing and compounding damage. 
I believe these actions violate provisions of the Fair Credit Reporting Act ( FCRA ) and Federal Trade Commission ( FTC ) guidance on fair and accurate credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-04-17 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: GA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Majority USA, LLC
State: NC

Complaint narrative:
My Complain is against : Majority USA , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I live with a roommate ( XXXX XXXX ), we bought the electronics together for our home and decided to get an insurance plan with XXXX XXXX XXXX under his name to cover those electronics. On XX/XX/year> our XXXX broke down, so we started a claim on XX/XX/year> claim # ( XXXX ) with XXXX... The claim was approved and we got a refund for {$1900.00}. My roommate did not have an account handy at that moment and we decided to transfer the funds to my checking account with Majority Bank. The funds were deposited into my account on XX/XX/year> I was able to use part of those funds and around {$770.00} remained in the account, on XX/XX/year> I tried to login into my online banking and the account was blocked, a Message pops up saying to call customer service, so I called and they started asking me who XXXX XXXX was and that they will send me an email with some documentation they needed from me. The email wanted a photo of XXXX ID and a selfie of him holding the ID, also details for the Direct Deposit received. We submitted all the details and after going back and forth with them without receiving a resolution and without me being able to access to my funds. They said my friend 's ID was invalid, and that they needed more verification for the transfer. First, that is the only ID my friend has, and he is was not even comfortable with the bank itself, at this point we both think is a scam, there was another time my card was used fraudulently and I never got the money back. On the other hand, I had to contact XXXX and ask for a detailed description for the transfer which I provided. After no receiving a solution from them I asked them to close the account and send the available funds to the address on file. They told me the process will take up to 30 days and that it will expire on XX/XX/year> It's XX/XX/year> and I don't have any solution. I'm attaching all the email chain with them as well as the emails from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: CA

Complaint narrative:
I am extremely frustrated by the continued presence of false information on my TransUnion credit report. These are not minor clerical mistakesthey are serious reporting failures that are damaging my financial credibility and blocking access to opportunities. Despite previous disputes, these inaccuracies remain unresolved, which shows a blatant disregard for maintaining accurate consumer data. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fully accurate and verified. If TransUnion can not provide clear, irrefutable documentation to support the reported information, it must be removed without delay. Im not askingIm demanding full compliance with federal law. Continued inaction will be treated as willful negligence. 

The following dispute items are inaccurate and must be addressed immediately : Charge Off XXXX XXXX XXXX XXXXXXXX - XXXX * * * * - {$5700.00} XXXX  - XXXX * * * * - {$0.00XXXX XXXX XXXX XXXXXXXX * * * * - {$0.00} XXXX  - XXXX * * * * - {$15000.00}

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 non-monetary relief
Consumer complaint received 2025-04-17 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:
COMPLAINT REGARDING ILLEGAL REINSERTION OF FRAUDULENT ACCOUNTS Submitted by : XXXX XXXX XXXX My name is XXXX XXXX XXXX, and I am submitting this formal complaint against Experian, TransUnion, and Equifax for unlawfully reinserting fraudulent accounts on my credit report without providing the required written notification within five ( 5 ) business days, in direct violation of 15 U.S. 
Code 1681i ( a ) ( 5 ) ( B ) ( ii ) of the Fair Credit Reporting Act ( FCRA ). 
Case Summary : Consumer Reporting Agencies Involved : - Experian - TransUnion - Equifax Fraudulent Accounts Reinserted Without Notification 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 These accounts had previously been identified as fraudulent and were blocked or removed. 
However, the credit reporting agencies have unlawfully reinserted them on my report without providing the required written notice identifying the furnisher and informing me of my right to dispute, in violation of my consumer rights. 
Legal Violations : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681 et seq. 
a. Reinsertion Without Notice - 1681i ( a ) ( 5 ) ( B ) Violation : No written notice was provided upon reinsertion of the above-listed fraudulent accounts. 
b. Failure to Block Fraudulent Information - 1681c-2 Violation : These accounts were previously blocked but were reinserted unlawfully and without justification. 
c. Failure to Conduct Reasonable Investigation - 1681i ( a ) ( 1 ) Violation : The agencies failed to conduct any reasonable reinvestigation before reinserting the accounts. 
2. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S. Code 1692 a. Misleading Representations - 1692e Violation : By reporting fraudulent and unverified accounts, they misrepresented the legitimacy of these debts. 
b. Unfair Practices - 1692f Violation : Reinserting disputed accounts without evidence or due process constitutes an unfair and deceptive practice. 
3. Fair and Accurate Credit Transactions Act ( FACTA ) - 1681c-1 Violation : CRAs failed to maintain protections for identity theft victims and allowed fraudulent data back on the report. 
4. Consumer Financial Protection Act ( CFPA ) - 12 U.S. Code 5531 Violation : The reinsertion of blocked fraudulent accounts, without legal basis or notice, constitutes an unfair, deceptive, and abusive act or practice ( UDAAP ). 
Supporting Legal Precedents : XXXX v. Experian ( XXXX ) XXXX v. TransUnion ( 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 2025-04-17 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: PA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am writing to file a formal complaint against Target XXXX for the unauthorized sharing or selling of my personal information to third parties without my explicit consent and for their failure to provide documentation confirming that I authorized such actions.

On multiple occasions, I contacted Target through customer service channels to request the following : 1. A clear statement regarding whether my personal information was shared or sold to third-party entities.

2. A copy of any records, contracts, or digital logs that demonstrate I gave informed consent for this data to be shared or sold.

Despite several conversations and follow-ups, Target has not provided the requested documentation, nor have they confirmed the identity of any third parties that may have received my information. As a California resident, I made these requests in accordance with the California Consumer Privacy Act ( CCPA ) and California Privacy Rights Act ( CPRA ), both of which grant me the right to access, control, and opt out of the sale of my personal data.

I believe that Targets failure to honor my request and their lack of transparency may constitute a violation of consumer protection and privacy laws.

Summary of My Complaint : Personal data was allegedly shared or sold without proper consent.

Repeated requests for proof of consent were ignored or unfulfilled.

Lack of transparency regarding third-party data sharing practices.

I am requesting that the CFPB investigate this matter and help ensure that Target : Provides full transparency regarding how my data has been used.

Produces any documentation or logs showing that I consented to data sharing.

Ceases any further unauthorized data practices, if applicable.

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-04-17 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: TN

Complaint narrative:
I am formally requesting that you block and remove these unauthorized accounts from my credit report immediately. I have no association with these accounts, nor did I authorize their creation. According to USC 1681g, they must be removed within 15 days. Ive attached the necessary documents for your review. Please note that each bureau is reporting different, inaccurate information related to these accounts.

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 2025-04-17 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 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 non-monetary relief
Consumer complaint received 2025-04-17 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: GOLDMAN SACHS BANK USA
State: RI

Complaint narrative:
I am writing to file a formal complaint against Goldman Sachs concerning their handling of chargeback disputes related to transactions made with my Apple Card credit card. I initiated chargeback disputes for purchases from merchant XXXX due to failure to provide services and the fact they're an illegal business, being found guilty of operating an unlawful scheme. I submitted supporting evidence, including legal pieces, testimonies, screenshot of my locked account ( can't access funds ), and more. However, GS closed my disputes today in the merchant 's favor, stating that no supporting evidence was received-according to GS ' operator on the phone ( call was recorded ). Well, this is inaccurate, and I am uploading to this complaint the confirmation receipt for the documents I sent on XX/XX/XXXX and on XX/XX/XXXX. I sent the same evidence to 2 different GS reps twice, just to make sure it was really attached to my disputes. They lied to me. Furthermore, it's important to mention that the merchant failed to respond to the initial chargeback inquiries from GS. I believe this lack of response should have been considered strong evidence in my favor as well. Should GS reopened the disputes again, I am now facing an additional 90-day investigation period. Does it seem fair to you? This delay seems unfair and allows the merchant, who initially ignored the process, an opportunity to fabricate a response. I am concerned about GS ' dispute resolution process, particularly the disregard for submitted evidence and the lack of weight given to a merchant 's failure to respond. I request the CFPB to investigate these practices and help ensure fair and timely resolution of consumer disputes. I have attached to this complaint evidence to everything I said.

Company response to consumer: Closed with explanation