vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX gave me a call regarding a debt that needed to be collected instead of them willingly wanting to give me the information I was repetitively asked if I was avoiding paying the debt. I gave my address not once not twice but 5 freaking times. I Once called them for their address to send a written request for that information containing my debt that needed to be paid I asked for specific information. Such as The name and address of the original creditor The full breakdown of the amount you claim I owe ( itemized charges ) A copy of any contract or lease bearing my signature Complete documentation of the assignment or sale of the debt to your agency, including the name of any trust, entity, or third party through which this debt was acquired Proof that you are authorized to collect on this alleged debt in my state. This has not been sent in the matter of 5 months. They called today after I recently spoke with them later this month telling them I sent them a letter and please do not call this number until they are ready to respond to my letter. Ive gotten hung up on Ive gotten told they they werent going to send me an address because Im trying to dispute the debt. They purposely sent the letter to the incorrect address after I gave them the address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NJ

Complaint narrative:
This complaint is not being submitted in error. My credit report contains inaccurate and unverified information that fails to meet the legally required standard of maximum possible accuracy as outlined under the Fair Credit Reporting Act ( FCRA ). These reporting errors are having a serious and ongoing impact on both my financial well-being and peace of mind.

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 2025-07-29 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: TN

Complaint narrative:
XXXX XXXX Subject : Formal Dispute Under FCRA XXXX Inaccurate Late Payments & Partial Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Erroneous accounts from XXXX XXXX XXXX XXXXXXXX XXXX amounts XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XXXX, XXXX, To Whom It May Concern, I am writing to formally dispute XXXX XXXX inaccurate and incomplete payment history * * reported by XXXX XXXX XXXX  XXXX to the credit bureaus ( XXXX, XXXX, and TransUnion ) regarding my federal student loan account.. 

XXXX XXXX XXXX XXXX XXXX Specific Errors XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Late Payments XXXX XXXX XXXX  My credit report shows late payments but the account is in deferment XXXXXXXX XXXX XXXX Partial/Incomplete History XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX failed to report my full payment history after my loan was transferred from XXXX violating the XXXX XXXX FCRAs requirement for complete and accurate reporting XXXX XXXX ( XXXX ( a ) ( XXXX ) ). 

XXXX XXXX XXXX XXXX XXXX Legal Basis for Dispute XXXX XXXX XXXX XXXX XXXX XXXX  FCRA XXXX ( a ) ( XXXX ) ( B ) * * : Requires furnishers to correct inaccuracies upon notice. 
XXXX XXXX XXXX FCRA XXXX ( a ) ( XXXX ) XXXX XXXX XXXX Mandates reporting of XXXX XXXX complete XXXX XXXX payment history, including during servicer transitions. 
XXXX XXXX XXXX CFPB XXXX XXXXXXXX XXXX XXXX XXXX Federal student loan servicers must ensure XXXX XXXX seamless credit reporting XXXX XXXX  during transfers ( no gaps or omissions XXXX XXXX Statutory Reference XXXX XXXX XXXX  Under the XXXX XXXX  Higher Education Act ( 20 U.S.C. 1082 ) XXXX XXXX, servicers must report XXXX XXXX all XXXX XXXX  payment history during transfersAidvantage can not omit prior data.

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 2025-07-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: AR

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-28 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: AR

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this formal complaint because XXXXXXXX XXXX is furnishing inaccurate, incomplete, and potentially unlawful data on my credit report. 
I requested verification of the account, including a copy of the original signed agreement and a full itemized statement of the alleged charges. They have failed to provide it.

Under the Fair Credit Reporting Act ( FCRA 623 and 611 ), a data furnisher must provide verifiable proof of accuracy. If they can not, the account must be deleted immediately.

I also believe this account may be falsely reinserted or duplicated, and I request that the Consumer Financial Protection Bureau open a full investigation.

If verification and correction are not received within the timeframe required by law, I will pursue further legal remedies.

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 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I made XXXX purchases equal up to {$5700.00} and Rooms to go charged my synchrony credit card with another customers purchases. It was over {$9000.00} I did not authorized or purchased. I have been calling and disputing the charges and nothing is getting done. Rooms to go refused to provide the documentation of the purchases I am being charged.

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 2025-07-28 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: TX

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXXXXXX XXXX XXXXXXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX DATE XXXX XXXX XXXX XXXX XXXX Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-28 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: TX

Complaint narrative:
Upon careful review of my credit file, I noticed a late payment entry that does not match my financial records. I have consistently met all payment deadlines, and this appears to be a reporting error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
I am writing to dispute a fraudulent account currently being reported under my credit profile. I have never had any relationship with this company and have not authorized the opening of any such account. This erroneous listing has caused damage to my credit standing and does not reflect my financial behavior or history.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiries on my credit report.Please dispute and remove listed fraudulent inquiries from my credit report XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hi, I was deceived by an online scam posing as a XXXX-related investment opportunity. I reported the unauthorized transaction to Chase, who initially credited my account. However, they later reversed the credit, stating the transaction was authorized, despite evidence that I was misled and manipulated. I provided documentation, but they refused to reinvestigate. I am now seeking formal review through your office to protect my financial rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
There are several inaccuracies in the personal information section of my credit report, including outdated addresses that no longer apply to me. I have provided supporting documents for your review and request that these incorrect addresses be removed from my report without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Kikoff Inc.
State: DE

Complaint narrative:
XXXX XXXX is missing information for available credit on my account I asked for the original contract never opened this account it's messing it up for me to get a house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-07-28 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:
I am writing in strong protest of a fraudulent account currently being reported on my credit file. I have never initiated or authorized this account, and its presence on my report is a clear case of mistaken or malicious activity. This inaccurate reporting is damaging and distressing.

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 2025-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: OK

Complaint narrative:
I purchased a XXXX XXXXXXXX XXXX from XXXX XXXX on XX/XX/year>. They charged me over {$4600.00} in add-on products (, and tire plan ) that I did not request and were not properly disclosed. I signed a XXXX XXXX form before financing was approved. The APR is 20+ %, and the loan includes unauthorized extras. I am requesting removal of these charges or a refund. This may be a violation of the Truth in Lending Act and FTC regulations. 

Please email me for or call me and we can talk on the phone or mail about it and XXXX  send the contract over to you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: AXOS FINANCIAL, INC.
State: AZ

Complaint narrative:
To : Axos Bank XXXX La XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX RE : Adverse Action Notice and Legal Demand for Civil and Criminal Violations To Whom It May Concern, I, XXXX XXXX, a consumer and natural person, was recently denied credit by Axos Bank when I applied for a personal loan. 

This denial constitutes an adverse action under the Equal Credit Opportunity Act ( ECOA ) and is governed by 15 U.S.C. 1691 ( c ). Axos Bank was required under 15 U.S.C. 1691 ( d ) to provide a proper and timely notice stating the specific reasons for the denial. Failure to do so subjects you to civil liability under 15 U.S.C. 1691e and criminal liability under 15 U.S.C. 1691c.

Based on the incomplete and vague denial response I received, I have reason to believe that this adverse action involved discriminatory practices, which constitutes a federal violation. In addition to the ECOA violations mentioned above, Axos Bank is in violation of : 15 U.S.C. 1642 Prohibits the issuance of credit without request.

15 U.S.C. 1681m Requires disclosure when credit decisions are based on consumer reports.

12 CFR 1002 ( Regulation B ) Prohibits discrimination in credit transactions and mandates specific adverse action procedures.

Moreover, my Social Security Number, which by definition under 15 U.S.C. 1602 ( l ) is classified as a credit card, was accessed and used during this application process, yet I received no credit or benefit. This constitutes fraudulent activity and unauthorized use of a credit card. 

As I made this application in good faith, and no credit was issued despite accessing my credit profile and personal data, Axos Bank has failed to exercise reasonable procedures as required by law. If this matter is not resolved immediately and you do not offer compensation for the unauthorized use of my credit information, I will pursue action for civil and criminal liability under : 15 U.S.C. 1691n Civil liability for ECOA violations.

15 U.S.C. 1681g Full disclosure requirement under the FCRA.

I also reserve the right to issue an invoice for these federal violations at the statutory rate of {$1000.00} per violation, in addition to actual damages.

Notice to Cure and Respond : You are hereby granted 10 calendar days from receipt of this letter to : 1. Provide a full and detailed explanation of your denial, as required under 15 U.S.C. 1691 ( d ) ; 2. Remedy the harm caused by the unauthorized use of my credit credentials ; 3. Respond with an offer to settle and cure this matter amicably.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: PA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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