vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account 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. 


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 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 2025-04-16 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I am submitting a formal complaint regarding inaccurate, misleading, and damaging reporting related to a TD Bank USA / Target Credit Card ( TARGETCRED ) account appearing on my credit reports. The account details are as follows : Creditor : TD Bank USA / Target Credit ( TARGETCRED ) Account XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Credit Limit : {$300.00} Balance Reported : {$340.00} Past Due : {$340.00} Status : Closed / Charged Off Last Reported : XX/XX/XXXX Payment Status : Charged off as bad debt Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Reporting Bureaus : XXXX XXXX XXXX This account is currently being reported as charged off by all three credit bureaus, with monthly charge-off notations XXXX XXXX XXXX continuing even though the account was last active in XXXX and the balance reported is static. Additionally, the balance and past-due amount being reported as greater than the original credit limit ( {$340.00} reported vs. {$300.00} limit ) raises questions about the accuracy of the data. 

This reporting practice is in direct violation of the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( b ), which mandates that all information furnished to consumer reporting agencies be accurate and not misleading. Continued derogatory reporting of a fixed charge-off balance month after month is misleading, excessive, and punitive in nature. 

Moreover, according to XXXX XXXX XXXX XXXX XXXX as published by the Consumer Data Industry Association ( CDIA ), when an account is charged off and closed, the furnisher is expected to stop updating the tradeline with repeated CO notations unless new collection activity or recovery efforts are occurring. That is not the case here. 

In addition, case law including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ) affirms that even factually correct information can violate the FCRA when it gives a materially misleading impression. That applies here TD Bank is continuing to report the same charged-off balance repeatedly while the account is closed and inactive, without proper clarification or accurate status updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-04-16 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-04-16 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: CBC Companies, Inc.
State: VA

Complaint narrative:
I have previously disputed with XXXX, XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: College Ave Student Loan Servicing, LLC
State: NC

Complaint narrative:
I am filing a complaint against XXXX XXXX Student Loans for denying my private student loan application on the basis of unverifiable identity without offering a reasonable opportunity to remedy or appeal the determination, in potential violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x, and 12 CFR 1022 ( XXXX XXXX ). 

On XX/XX/XXXX, I received a letter from XXXX XXXX indicating that my student loan application had been declined due to " suspicious activity '' identified by their third-party verification provider, XXXX. The letter referenced a previous unrelated fraud alert filed in XX/XX/XXXX but did not provide any actionable steps to verify my identity or contest the denial. 
I requested clarification and asked for a list of acceptable documentation ( such as a government-issued ID, Social Security card , and proof of address ) to verify my identity, as allowed under federal law. As of this submission, no such opportunity has been provided, and I have been denied the ability to correct or dispute the decisiondespite my right to do so under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: AZ

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from 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 non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Case was dismissed in courts I have proof due to natural disasters XXXX the apartments tried to evict me twice and I paid

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 2025-04-16 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX * * XXXX * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * * * * * * * * * XX/XX/XXXX Account Name : XXXX # XXXX * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX * * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-04-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On Wednesday, XX/XX/year>, around XXXX, I received two text messages from XXXX XXXX XXXX  confirming that a number transfer PIN had been generated and that my phone number was being transferred out. Immediately following this, my phone displayed " XXXX mode, '' indicating a loss of cellular service. 

I acted quickly by changing passwords for accounts linked to my mobile number and notifying my financial institutions. Despite these efforts, the individual behind the scam managed to attempt unauthorized transactions from several of my accounts. Unfortunately, they were successful in withdrawing {$5600.00} from a savings account. 

I have filed disputes for the unauthorized withdrawal and other attempted transactions, and I am currently awaiting the results of the ongoing investigations to determine if the stolen funds will be recovered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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 XXXX ( XXXX U.S.C. XXXXi ), XXXX ( XXXX U.S.C. XXXXg ), and XXXX ( XXXX U.S.C. XXXXb ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : EQUIFAX XXXX XX/XX/XXXX XXXXXXXX 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 Basis for Dispute Section XXXX ( XXXX U.S.C. XXXXi ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution. 
Section XXXX ( XXXX U.S.C. XXXXg ) 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 XXXX ( XXXX U.S.C. XXXXb ) 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. 
Immediate Request : 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 non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Had a hard credit inquiry done by capital one on XXXX, and got a card i never applied for today ( XXXX ) XXXX i contacted them right away after seeing a card and let them know i never applied and dont want the inquiry on my acct. They said the acct is closed and they are reporting it as fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-16 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX * * * * * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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/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 2025-04-16 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-04-16 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: GA

Complaint narrative:
Open date incorrect. Monthly payments are incorrect. My personal information and financial information was compromised without my authorization. The XXXX protects the confidentiality of student records which was not upheld and my debt should be cancelled.

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 2025-04-16 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:
Open date incorrect. Monthly payments are incorrect. My personal information and financial information was compromised without my authorization. The XXXX protects the confidentiality of student records which was not upheld and my debt should be cancelled.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Open date incorrect. Monthly payments are incorrect. My personal information and financial information was compromised without my authorization. The XXXX protects the confidentiality of student records which was not upheld and my debt should be cancelled.

Company response to consumer: Closed with explanation