vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/year>, I was pressured to sign up with a TJMaxx credit card that I knew I didn't really want. The cashier kept insisting that I sign up for it. I asked if it was a soft pull or hard pull on my credit. She said it would be a SOFT pull. Again, I wasn't interested at all in applying for this credit card, especially since I was working on repairing my credit in the first place. This shouldn't be on my credit as a hard pull. It was a misleading attempt to get me to sign up for the cashier 's personal benefit in the first place. I don't appreciate being deceived and being lied to for something I was not interested with in the start.

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 2025-03-09 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: TX

Complaint narrative:
I AM A PART OF A DATA BREACH TO WHERE MY INFORMATION WAS LEAK AND MISUSED AND NOW I HAVE UNAUTHORIZED ACCOUNTS AND 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 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 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 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 non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX, I realized {$5400.00} was taken from my personal loan. This was fraudulent and was reported to TD Bank. They advised they would investigate. {$5400.00} was then transferred from my PERSONAL CHECKING ACCOUNT to cover the {$5400.00} taken from the loan and then the personal loan was just closed, leaving me down {$5400.00} with no resolution in sight and the bank essentially screwing me for something that's not my fault. It seems to me TD Bank doesn't want to be on the hook for the {$5400.00} and left me with it instead. I have made multiple phone calls and multiple trips to the branch on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XXXX and have just gotten the run around or transferred multiple times to get hung up on. This is ridiculous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-09 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: AR

Complaint narrative:
On XX/XX/XXXX i put a freeze on my credit report till XXXX XXXX. As part of The Fair Credit Reporting Act ( FCRA ) allows you to place a " security freeze '' ( also known as a credit freeze ) on your credit report, restricting access to it, which helps prevent identity theft and unauthorized credit applications. With that being said XXXX allowed the company 's below to access my report WITHOUT MY PERMISSION they are XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XX/XX/year> Subject : Request for Removal of Incorrect Names, Accounts, and Correction of SSN on Credit Report I hope this letter finds you well. My name is XXXX XXXX XXXX, and I am writing to address inaccuracies in my report. Specifically, I am requesting the removal of any names, accounts, and Social Security Number details that do not accurately reflect my identity. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and correct any inaccurate information in my report. According to Section 602, consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. Sections 604 and 605 further emphasize the obligation to ensure that information is accurate and to delete unverifiable data. 

Upon reviewing my recent report, the following issues have come to my attention : XXXX. The presence of multiple names including, but not limited to : - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Incorrect accounts associated with any name other than " XXXX XXXX XXXX '' as it appears in this letter. Please remove these accounts from my credit report. 

XXXX. Incorrect reporting of my Social Security Number as ending in XXXX. The correct last four digits of my Social Security Number are XXXX. Any reports reflecting the incorrect XXXX need to be removed. 

I am specifically requesting the removal of all incorrect names and accounts and the correction of my SSN on my profile to ensure compliance with FCRA regulations. The integrity of my report is important, and it is crucial that only my accurate name and SSN are associated with my profile. 


I appreciate your prompt attention to this matter and look forward to your response. Please inform me if you require any further information to facilitate my request. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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 recently reviewed a copy of my credit report and noticed fraudulent accounts on there. I'm asking for you guys to please remove these accounts from my credit report. They are hurting my ability to obtain credit. Thank you! |

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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" I have previously disputed this item with you > Insert Public Record Name / Reference # < and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681l ) and the information must be deleted immediately. '' I am writing to formally request clarification regarding an alleged debt that your agency claims I owe. Under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 U.S.C. 1681b and 15 U.S.C. 1692g, I am entitled to request and receive specific information related to this debt.

I would like to highlight that I have never entered into a legally binding contract with your agency that would indicate I owe any amount. Furthermore, I believe the original creditor may have engaged in fraudulent practices.

In accordance with the FCRA, I am requesting the following information to verify the validity of this alleged debt : 1. The date of first delinquency.

2. The date of the last payment.

3. The date of charge-off.

4. The chain of assignment for this debt.

Additionally, I would like to request a purchase order that includes all parties involved in this alleged debt, along with signed proof that you have the legal right to collect this debt in Texas.

Please provide this information at your earliest convenience. Failure to provide adequate verification may result in a request for statutory damages due to the furnishing of inaccurate information regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: FL

Complaint narrative:
I have reviewed my credit report and found there are several inaccurate data points within my personal identification and accounts which you are 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 non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX, I have sent on-line request to close my CD account at CIT bank XXXX I got their response- to provide the bank information where to send proceeds from the closed CD - all in written form. I have sent the letter ( by regular mail ), the CD account was not closed. In XXXX I have sent another letter and finally in XXXX I have sent the written letter by registered mail. 
Still, I don't not see the proceeds from my account. 
I have multiple XXXX XXXX my XXXX XXXX was operated successfully in XXXX, however, my XXXX XXXXXXXX is not curable. Frankly, I want to consolidate all my accounts to get my rest. 

Please, help me to get my money from CIT bank. 
Sincerely, Unfortunate CIT client

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: PA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report regarding late payments for the account referenced below. Upon reviewing my credit report, I noticed that the report inaccurately reflects late payments on an account that was, in fact, paid on time.As per my records, all payments on this account were made in full and on time. Therefore, I request that you investigate this matter thoroughly and provide verifiable proof, such as payment history or transaction records, that shows the payments were late. If this information can not be verified, I demand that my credit report be updated immediately to reflect the correct payment history, with the late payments removed and marked as " paid on time. '' Thank you for your prompt attention to this matter. Credit Report attached below

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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
I am formally disputing the erroneous reappearance of an account from Mariner Finance on my credit report. This account was previously in collections, charged off in XX/XX/XXXX with an original balance of {$9800.00}, and subsequently closed with a charge-off amount of {$5000.00} paid. Following this, the account was deleted from my credit report for nearly a year before reappearing in XXXX, without any explanation or proper notification. 

This reappearance is a clear violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, which mandates that all reported information must be accurate, complete, and verifiable. Additionally, the failure to notify me about the re-reporting of this account violates FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which requires reinsertion procedures, including written notification within five days. I was never provided with such notification.

Moreover, upon contacting Mariner Finance to request validation of this debt, I was informed that management had changed, yet no proper validation was provided as required by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. Since I was not presented with any valid proof of ownership, transfer details, or accurate balance verification, this debt is being reported unlawfully.

Furthermore, under FCRA 15 U.S.C. 1681s-2, information furnishers are prohibited from reporting inaccurate, incomplete, or unverifiable data. The failure to follow proper validation and reporting procedures renders this account invalid for reporting to any credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I call the bank over twenty five time since XX/XX/2024, the phone call was answer from call center they asked me to send a letter to the bank in XXXX XXXX XXXX, I did send CERTIFIED MAIL WITH RETURN PROF OF DELIVERY on XX/XX/2024, was delivered onXX/XX/2024

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 monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: TX

Complaint narrative:
" I have previously disputed this item with you > Insert Public Record Name / Reference # < and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA XXXX ( 15 U.S.C. XXXXl ) and the information must be deleted immediately. '' I am writing to formally request clarification regarding an alleged debt that your agency claims I owe. Under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 U.S.C. XXXXb and 15 U.S.C. XXXXg, I am entitled to request and receive specific information related to this debt. 

I would like to highlight that I have never entered into a legally binding contract with your agency that would indicate I owe any amount. Furthermore, I believe the original creditor may have engaged in fraudulent practices. 

In accordance with the FCRA, I am requesting the following information to verify the validity of this alleged debt : 1. The date of first delinquency. 
2. The date of the last payment. 
3. The date of charge-off. 
4. The chain of assignment for this debt. 

Additionally, I would like to request a purchase order that includes all parties involved in this alleged debt, along with signed proof that you have the legal right to collect this debt in Texas. 

Please provide this information at your earliest convenience. Failure to provide adequate verification may result in a request for statutory damages due to the furnishing of inaccurate information regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
" I have previously disputed this item with you > Insert Public Record Name / Reference # < and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681l ) and the information must be deleted immediately. '' I am writing to formally request clarification regarding an alleged debt that your agency claims I owe. Under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 U.S.C. 1681b and 15 U.S.C. 1692g, I am entitled to request and receive specific information related to this debt.

I would like to highlight that I have never entered into a legally binding contract with your agency that would indicate I owe any amount. Furthermore, I believe the original creditor may have engaged in fraudulent practices.

In accordance with the FCRA, I am requesting the following information to verify the validity of this alleged debt : 1. The date of first delinquency.

2. The date of the last payment.

3. The date of charge-off.

4. The chain of assignment for this debt.

Additionally, I would like to request a purchase order that includes all parties involved in this alleged debt, along with signed proof that you have the legal right to collect this debt in Texas.

Please provide this information at your earliest convenience. Failure to provide adequate verification may result in a request for statutory damages due to the furnishing of inaccurate information regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: World Acceptance Corporation
State: GA

Complaint narrative:
XX/XX/scrub>XXXX opened Section XXXX  : Limits the reporting time for certain negative items, such as late payments or collection accounts, typically to 7 years.

Section XXXX : Requires debt collectors to send a validation notice that details the amount of the debt and the name of the creditor. If a consumer requests validation of a debt, the collector must cease collection activities and credit reporting until the debt is validated.

Under the FCRA and FDCPA, if you dispute a debt with a debt collector and the collector can not validate the debt or prove that it is accurate, they must remove it from your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: AL

Complaint narrative:
Credit Reporting Agencies : Equifax, Transunion & Experian Creditor : All In Credit Union Account XXXX Account XXXX In accordance with the FCRA, this creditor has violated my rights. Under 15 U.S.C 1681 section 602, I have a right to privacy and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666b a creditor is prohibited from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: AL

Complaint narrative:
Credit Reporting Agencies : Equifax, Transunion & Experian Creditor : All In Credit Union Account XXXX Account XXXX In accordance with the FCRA, this creditor has violated my rights. Under 15 U.S.C 1681 section 602, I have a right to privacy and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666b a creditor is prohibited from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2025-03-09 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 am submitting this formal complaint against Experian for failing to properly investigate and correct inaccurate information on my credit report, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXi. Despite my dispute, Experian has continued reporting erroneous negative items, impacting my creditworthiness. 

Disputed Accounts : XXXX XXXX Incorrect charge-off balance reported without proper verification. 

XXXX XXXX XXXX XXXXXXXX Unverified balance inconsistency in violation of FCRA. 

XXXX  XXXX XXXX Charge-off remains past the legal reporting period. 

XXXX XXXX XXXX Incorrect balance reported post-repossession. 

XXXX XXXX XXXX XXXX account missing original creditor details. 

Under 15 U.S.C. XXXXi ( a ) ( 1 ) ( A ), I have the right to a proper reinvestigation. Experians failure to verify or remove these errors violates my consumer rights. I request the CFPBs assistance in compelling Experian to investigate and correct these inaccuracies promptly.

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