vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana, XXXX XXXX Date : XX/XX/XXXX TransUnion P.O. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Credit Reporting Request for Investigation and Removal Account Name : XXXX Account Number : XXXX Balance : {$340.00} To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information reported on my credit report concerning the above-mentioned account. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy of the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information is found to be inaccurate or unverifiable, it must be promptly corrected or deleted. The account listed under " EDFINANCIAL '' and numbered " XXXX '' contains several inaccuracies that I believe violate the FCRAs accuracy requirements. I request a full investigation into this account and demand that the information be 100 % accurate across all three major credit bureaus. If the information can not be verified and corrected to reflect complete accuracy, it must be DELETED entirely from my credit report as required by law. Verify the balance for completeness and accuracy.

Please confirm in writing the results of your investigation and send me an updated copy of my credit report. I am including a copy of my identification and proof of address to assist with your investigation.

Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-04-22 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
My TXXXX XXXX XXXX  number was stolen. The physical card remains in my possession. Somehow, someone was able to get into my account and gain access to my card information as well as login information. They were also able to change the account phone number to their own phone number, which is the only real piece of identifying information that I have. The phone number they changed it to was XXXX. The totalloss was {$2400.00}, over 11 purchases. The dates range from XXXX XXXX, 2025 to XXXX XXXX, 2025. 

I have contacted XXXX XXXX XXXX support at least seven times since finding out about the fraudulent charges. Each time I'm told that a conditional credit will be issued within XXXXXXXX XXXX, yet that never happens. The last time I spoke with a customer service agent, I was told the charges would drop off after the billing cycle ended. That proved to be false when I received yet another statement charging a late fee and interest on top of the fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: GA

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax and Experian 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 a personal credit card account.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned 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 2025-04-22 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: CA

Complaint narrative:
Please refer to CFPB complaint number XXXX CFPB Complaint Experian Cover Sheet Title : FCRA 1681b No Permissible Purpose. No Contract. No Authorization. 

What is the complaint about? 
Improper credit reporting Reporting inaccurate or unauthorized information. 

Who is the complaint against? 
Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX of the Complaint : I am filing this complaint because Experian has failed to remove inaccurate and unauthorized information from my credit report despite multiple dispute requests. The following entries remain on my file without my consent, authorization, or any contract granting permissible purpose under FCRA 1681b : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not entered into any credit relationship, application, or agreement with these companies. They have no permissible purpose to pull or report my information, and Experian has not provided verification or documentation establishing my consent. 

I sent a formal written dispute requesting deletion and demanded evidence under FCRA 1681i for verification, including signed applications or contracts. Experian has not responded with such proof within the required 30-day period and failed to complete a proper reinvestigation as required under law.

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 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I tried to fix this with the company after I found out that I saw unauthorized transactions well they disputed it but what happened was that they lady put the wrong input answers that I gave her well going forward what we stuck on rn is the disputed claims that's worth 3 months of unauthorized transactions long story short I be trying to fix this issue since til lthis day they don't wan na help me they keep telling me that there no way someone could clone my card or skimmed my card and pull money out and spend where I was going to alot of XXXX XXXX Atms and withdrawing money from it here and there from restaurants pizzza shops delis and etc and I believed I was apart of my debut card being skimmed becouse I never would notice it till a month or two later of unsuspiciose activity they tryna blame everything all on me saying I did everything and I'm responsible for everything til lthis day my account is on negative becouse of the disputes being reversed and another encounter that happened to me was that when I was using XXXX XXXX ATM machines to deposits my money the machine would take my money almost half it and not give it back witch I called and reported that but all those disputes I did from the big ATM machines at XXXX branch was eating up my money and giving me a low positive amount in my checking now those claims reverted back to me agative witch I had no fault of the machine eating up my deposits of my money and have no fault for it till this day now my act which is a checking. Account is on negative from the disputed claims of the ATM machine money being deposit at the branch big machine and disputed that got revert back to my act and it being negative almost- {$500.00} dollars I believed I was part of a skimmed hack of one of those little atm and they got me but I called and reported that on time they saying is my fault but I believe I have no fault be ouse I never did those payments on my cards and withdrawals that I'm not aware of they do t want to help me out they just keep telling me the higher ceo of XXXX is she says she can't report the same months that I disputed becouse it won't go through or she can't help me fix that at all.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently received a copy of my ( Experian, Equifax, or TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXX. Account XXXX : XXXX, Account XXXX : XXXX * * * * Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other :

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 2025-04-22 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I called Barclays to open a dispute for a charge of {$33.00}, erroneously charged to my card by XXXX XXXX on XX/XX/year>. I was transferred 3 times and eventually spoke to a woman called XXXX. XXXX took all the details os my dispute, but refused to open the dispute even though she is required by law to do so. The Fair Credit Billing Act Section 1666 ( a ) ( 3 ) ( B ) requires Barclays within 2 billing cycles, or at the latest with 90 days, to either 1. make corrections to my account or 2. after conducting a thorough investigation, send me a written explanation of why Barclays believes the amounts were correct. XXXX told me that because her systems were down she could no longer open a dispute. She requested that I call back in 30 minutes

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 2025-04-22 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: OR

Complaint narrative:
In accordance with the Fair Credit Reporting Act. This creditor has violated my rights Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681, section 604 a Section 2, it also states a consumer reporting agency can not furnish an account. Without my written instructions. Under 15 USC 1666 b, a creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: OR

Complaint narrative:
In accordance with the Fair Credit Reporting Act. This creditor has violated my rights Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681, section 604 a Section 2, it also states a consumer reporting agency can not furnish an account. Without my written instructions. Under 15 USC 1666 b, a creditor may not treat 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 2025-04-22 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: IL

Complaint narrative:
I am a victim of identity theft. XXXX fraudulent accountsXXXX ( ending in XXXX ) and XXXX XXXX XXXX ( ending in XXXX ) were previously removed from my Experian credit report after I submitted an FTC Identity Theft Report ( Report # XXXX ) and a police report. Despite this, both accounts have since been reinserted without any prior written notice, which violates FCRA 611 ( a ) ( 5 ) ( B ). I did not authorize or open these accounts, and Experian has failed to provide documentation verifying my liability. 

For XXXX, Experian marked the reinvestigation with a misleading comment : Account paid in full for less than full balance, suggesting I settled the debt. I did not. This misrepresents the facts and falsely implies I acknowledged the account. For XXXX, the account now displays Invalid date errors throughout the payment history, highlighting inaccurate and improperly formatted data. 

Experian 's handling of these disputes is noncompliant with the identity theft protections outlined in FCRA 1681c-2, and their continued reporting of these tradelines is causing harm to my credit. I request that the CFPB take enforcement action to require Experian to permanently remove both accounts and uphold federal protections for identity theft victims.

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 2025-04-22 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: PA

Complaint narrative:
I formally request an investigation into these unauthorized inquiries and ask that you provide documentation regarding their origin. Please include all pertinent details, such as the name of the entity responsible for the inquiry and any records or consent forms that demonstrate my authorization for these actions. 

This is the inquiry that I am referring to : XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I want all these to be removed on credit report companies Experian, XXXX XXXX, transunion

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently discovered that I have been a victim of identity theft after reviewing my credit report on XX/XX/year>2025. Multiple accounts were opened and used fraudulently in my name without my knowledge or authorization. These accounts include auto loans, credit cards, and installment loans, many of which are now in collection status or have been charged off. 

I promptly filed a police report and submitted an Identity Theft Affidavit to the Federal Trade Commission. On XX/XX/year>2025, I submitted formal written requests to all three major credit bureaus ( Equifax, Experian, and TransUnion ) under FCRA Section 605B, demanding they block the fraudulent accounts from my credit report within the four business days required by law.

Despite providing all required documentationincluding my ID, proof of address, police report, and the FTC affidavitsome of these accounts are still being reported as valid, and no confirmation of a block has been received. 

These fraudulent accounts are damaging my credit standing and causing ongoing distress. I am seeking CFPBs help to ensure the credit bureaus comply with federal law and remove the fraudulent data from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by EXPERIAN RENT BUREAU on my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, yet they have proceeded to place : RENTAL HISTORY : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 2. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. 1.EXPERIAN RENT BUREAU has resorted to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 2.Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) .EXPERIAN RENT BUREAU is flagrantly disregarding consumer protection statutes. I did not receive any notice from : RENTAL HISTORY : EXPERIAN RENT BUREU XXXX XXXX XXXX XXXX XXXX accounts on my consumer report providing me the opportunity to dispute the validity of this debt within 30 days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the Equifax breach and documents proving that I am a victim of identity theft. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that EXPERIAN RENT BUREAU remove these accounts from my credit report and cease all collection efforts immediately. Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint. Sincerely, 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 explanation
Consumer complaint received 2025-04-22 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX * * Balance Owed : {$20000.00} XXXX XXXX  XXXX * * Balance Owed : {$20000.00} XXXX XXXX  XXXX * * Balance Owed : {$20000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX * * Balance Owed : {$20000.00} XXXX XXXX  XXXX * * Balance Owed : {$20000.00} XXXX XXXX  XXXX * * Balance Owed : {$20000.00}

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