vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Having a ( XXXX ) XXXX credit and the fact that I haven't been late with any payments in 20+ years. 

I'm asserting that I logged into my checking account, and transferred the payment into my TD Bank LOC. 

There had to have been some sort of system glitch, which didn't allow the payments to process, ... Like all of the other previous payments. 

Therefore, I'm requesting the removal of this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I request Validation of debt from IC Systems This company is violating the FCRA by reporting inaccurate information to credit reporting agencies without the consumer consent, I didn't authorize this company to furnish my report. which is in fact another violation to the FCRA, also the FDCPA. this third party collection doesn't have my permission to have my personal information, and the credit reporting agency is in fact violating my rights as a consumer I didn't give transunion the authorization to report inaccuracies onto my credit report. according to the FCRA 18 USC 894 ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. I request contracts from this company with my signature, also validation of debt, I request your license to collect on this alleged debt in my state of ILLINOIS as well. who gives you the right to collect from myself? I do not have an agreement with IC Systems I don't know of them, never did any business with them. They are violating the law they're Conspiring to collect an alleged debt which can lead to imprisonment also fined. I demand a proper investigation, and to notify myself and the other credit agencies of any changes that are made send me updated reports Thank you for your time. Your Best, 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 explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with [ Equifax Information Services LLC ] due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : 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 ] Creditor Name : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Incorrect information identified XXXX reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section XXXX ( XXXX ) - XXXX U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures. 
Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 
Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: FL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-03 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:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account with XXXX XXXX XXXXXXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, and a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Subject : Formal Dispute of Incorrect Late Payment Reporting Barclays Credit Card To whom it may concern, I am writing to formally dispute an inaccurate late payment entry on my credit file related to my Barclays credit card account. My credit report reflects past-due payments on this account, which is incorrect and misleading. While there was an oversight with my auto-payment enrollment, I never abandoned my financial obligations and consistently made payments. 
Timeline of Events : XX/XX/XXXX Payment of {$1300.00} made. 
XX/XX/XXXX Payment of {$700.00} made. 
XX/XX/XXXX Payment of {$250.00} made. 
XX/XX/XXXX No payment made. 
XX/XX/XXXX Payment of {$1000.00} made. 
XX/XX/XXXX Payment of {$250.00} made. 
XX/XX/XXXX Paid full balance of {$2000.00} upon realizing the issue. 
Attempts to Resolve the Issue ( Chronological Order ) : XX/XX/XXXX ( XXXX XXXX  ) Called Barclays ( XXXX call ). Representative stated nothing could be done and advised me to send a letter. 
XX/XX/XXXX Sent a written dispute letter to Barclays requesting correction. 
XX/XX/XXXX Attempted to call XXXX, but due to high inquiry volume, was advised to submit a dispute online. I did so. 
XX/XX/XXXX Filed an online dispute with XXXX. 
XX/XX/XXXX Filed an initial dispute with XXXX. 
XX/XX/XXXX Received written communication from Barclays stating they would not assist in rectifying the credit report. 
XX/XX/XXXX Called Barclays again. Multiple representatives confirmed they would not help. At this point, I closed my Barclays account permanently. 
XX/XX/XXXX Chatted with a XXXX representative online, who advised me to resubmit my dispute with supporting documents. 
XX/XX/XXXX Resubmitted my dispute to XXXX online. 
XX/XX/XXXX Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 
Request for Investigation and Correction : Despite my continuous efforts to make payments, Barclays wrongfully reported my account as past due, which has significantly harmed my credit score. This is incorrect, as I made consistent payments and never fully neglected the account. Given these facts, I am formally requesting that : 1. Investigate and verify the accuracy of Barclays ' reporting.

2. Remove or correct the late payment entry.

3. Provide a written response detailing the outcome of the investigation. 
Supporting Documentation Enclosed : Proof of Payments ( Barclays statements ) A Copy of My Credit Report ( Highlighting the incorrect entry ) Under the Fair Credit Reporting Act ( FCRA ), I expect this matter to be investigated promptly and a resolution to be reached. 
I appreciate your time and assistance in correcting this inaccurate 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 explanation
Consumer complaint received 2025-04-03 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: SC

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

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 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC
State: MO

Complaint narrative:
Harassing amount of phone calls to my phone number and phone numbers associated with mine. They refuse to tell me any information other than the person is calling from SRS till I give them my SSN and DOB. They refuse to remove my number from the " file '' till the person on it calls in and provides/ verify the SSN and DOB .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: FL

Complaint narrative:
I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report by [ Credit Bureau Name ].

Details of the Dispute : 1.Incorrect Name : My current legal name is [ XXXX XXXX XXXX XXXX but it is incorrectly listed as [ XXXX XXXX XXXX XXXX XXXX I request that my name be updated to reflect the correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: DC

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer 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 2025-04-03 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: KS

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-03 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: DISCOVER BANK
State: IL

Complaint narrative:
Dispute of Unauthorized Charges Violation of U.S. Code Title 15 Dear Consumer Financial Protection Bureau, I am submitting this formal complaint to dispute unauthorized charges and improper interest fees on my credit card account with [ Discover bank ], account number ending in XXXX Despite my efforts to resolve this matter directly with the credit card issuer, they have failed to provide a satisfactory resolution. since XXXX of XXXX I am now requesting the CFPBs intervention to ensure compliance with federal consumer protection laws. 

Disputed Charges & Legal Violations XXXX. Unauthorized Charges Violation of 15 U.S.C. 1643 * I have been wrongfully billed for transactions that I did not authorize. Under 15 U.S.C. 1643, my liability for unauthorized transactions is limited to {$50.00}, provided I reported the unauthorized use promptly. However, [ Credit Card Issuer ] has refused to remove these fraudulent charges despite my dispute. 
XXXX. Improper Interest Charges Violation of 15 U.S.C. 1666-1666j ( Fair Credit Billing Act ) * I was charged interest and/or fees that I do not owe. Under the Fair Credit Billing Act ( 15 U.S.C. 1666-1666j ), I have the right to dispute billing errors, and the credit card issuer is required to investigate and correct any inaccuracies. However, my attempts to dispute these charges have been ignored or dismissed without proper investigation.

3. Failure to Provide Clear Disclosure Violation of 15 U.S.C. 1601 et seq. ( Truth in Lending Act ) * The credit card issuer has failed to clearly disclose the basis for the interest charges in compliance with the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ). I was not provided with a detailed explanation or justification for the assessed charges. 
Steps Taken to Resolve the Issue * I contacted [ discover bank ] on [ XX/XX/XXXX ] via [ phone ], and they responded [ briefly describe response or lack thereof ]. 
* I submitted a formal written dispute on [ XX/XX/XXXX ], but [ explain outcome or if they ignored your request ]. 
* Despite my efforts, [ discover bank ] continues to bill me incorrectly, in violation of federal law. 
Requested Resolution I request that the CFPB : 1. Investigate the unauthorized charges and improper interest fees.

2. Require [ discover bank ] to comply with 15 U.S.C. 1643 and limit my liability for unauthorized transactions.

3. Enforce my rights under the Fair Credit Billing Act ( 15 U.S.C. 1666-1666j ) by ensuring the credit card issuer properly investigates and corrects the errors.

4. Ensure that [ discover bank ] provides clear disclosures as mandated by the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: NC

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 2025-04-03 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation