vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00}

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 explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX AL XXXX - XX/XX/XXXX PREMIUM - XX/XX/XXXX PREMIUM - XX/XX/XXXX PREMIUM - XX/XX/XXXX PREMIUM XXXX - XX/XX/XXXX PREMIUM 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 non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
To Whom It May Concern, I am writing pursuant to 15 U.S. Code 1681c2, which requires the blocking of information resulting from identity theft from a consumer 's credit report upon proper request. I am a victim of identity theft, and I did not authorize the opening or use of the following accounts or the listed credit inquiries. 
Please consider this my formal request for immediate deletion of the following fraudulent accounts from my credit report, which were not opened or authorized by me : Fraudulent Accounts : XXXX. XXXX  XXXX - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX  - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XXXX. 
XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date 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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XXXX /2024my husband payed for a service with Discover Credit Card and used XXXX XXXXXXXX and XXXX for security reasons, just for {$300.00}, but on XXXX XX/XX/year>2024, somebody made a charges for {$4.00} that we didnt authorized, but according to people from the fraud department, they used the anterior authorization like Face ID and password from the old transactions, means that if anybody use the credit card, all the information provided, gon na be use for any scammers and steal any amounts in your credit card with no protection. 
We called the credit card company Discover the same day and they gave us a fraud case. But actually they didnt erase the amount from the statement. Passed already XXXX  Months and we are paying interests from this money that we never used. Its so disappointing that DISCOVER CREDIT CARD, have more protection for the scammers than for the customers that been there for more than XXXX years. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The credit bureaus did not perform a proper investigation into the disputed accounts I reported, as required under the FCRA. These inaccurate items still appear on my credit report without valid proof, continuing to hurt my credit standing.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The credit bureaus did not perform a proper investigation into the disputed accounts I reported, as required under the FCRA. These inaccurate items still appear on my credit report without valid proof, continuing to hurt my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX DOB : XX/XX/XXXX SSN : XXXX XX/XX/XXXX Consumer Dispute Center ( TU ) XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : 30 DAY VIOLATION SPOKE WITH FRAUD REP TO DELETE ALL INQUIRIES DUE TO 30 DAY VIOLATIONS TODAY THEY TOLD TO SUBMIT PROOF OF FTC SUBMISSION IVE INCLUDED THE REQUESTED DOCUMENT. 

To Whom It May Concern : I am writing to formally dispute certain unauthorized inquiries that appear on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of these inquiries from my credit file, as I did not initiate, authorize, or consent to them. 

Below are the details of the inquiries I am disputing : XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX These inquiries were made without my knowledge or permission, and I believe they are in violation of Section 604 of the FCRA, which outlines the permissible purposes for accessing a consumer credit report.

Please investigate these unauthorized inquiries and remove them from my credit file. In accordance with the FCRA, I request that the results of your investigation be sent to me in writing. Additionally, please provide an updated copy of my credit report once these inquiries are removed & pay a {$5000.00} Violation Fine For Pain & Suffering & not getting approved for business funding due to the unauthorized inquiries.

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 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On Saturday, XX/XX/year>XXXX  I went into the XXXX NY branch for TD Bank to get a replacement ATM card for my mother. After waiting some time, I sat with XXXX XXXX XXXX With my request to get a card for my mother, she asked where my mother was and I said in a XXXX XXXXXXXX in XXXX, NY. I told her I was POA for my mother and also on her account. XXXX informed me that I could not get a card in my mother 's name, only mine. I asked to speak to the manager. XXXX said XXXX XXXX was the store manager and was away on vacation. She gave me his card upon request. She issued a ATM card for me on my mother 's account and I asked her for business her card, too. After giving me her card, she told me to email the POA to her manager and cc her, then said that she would need an affidavit confirming my mother 's POA was valid. She said that it was old, and wanted proof that it was still good. She told me I would have to bring my mother into the branch tomorrow, Sunday, and I could have their on-staff notary notarize the affidavit. I had never heard of a POA being " old '' or needing an affidavit that it was still " valid. '' I XXXX  if POA 's expire, and the information I received made me livid. I emailed XXXX XXXX and cc 'd XXXX XXXX XXXX XXXX and asked what TD Bank 's protocol was for " old '' POA 's. I had already provided a copy of my mother 's POA to the XXXX, NY branch last summer, and they never mentioned it was unacceptable as " aged '' or " old. '' As requested, I pulled my mother out of her XXXX XXXX  and took her to the branch closest to her in XXXX. I brought a copy of her original, raised seal POA. The rep on staff never copied it, nor asked me to have it notarized with an affidavit affirming it's validity. This is when I realized that something else was going on. I requested over several emails to XXXX XXXX and XXXX XXXX to provide me with TD Banks requirements for POA 's and have received nothing but silence. If XXXX XXXX was acting on her own instincts and providing me with frightening hoops to jump through that have nothing to do with POA reality, or if TD Bank is training their staff members to challenge the documents of minorities with affidavits for their validity, then both matters reflect as disrespectful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

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

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I signed up for Amex XXXX in early XXXX with a promotional bonus offered for XXXX points. I hit the spending requirement on XX/XX/XXXX and was not awarded my points. I started following up with Amex via their mobile chat XX/XX/XXXX. It is now XX/XX/XXXX and I still do not have my points. Ive followed up multiple times a month since XXXX and keep being told to wait XXXX business days. I have full record of all the chats. We are WAY passed the XXXX weeks quoted in their Terms for the offer. 

I can provide as much info as needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed my credit file and discovered a hard inquiry that I did not authorize or recognize. I have never submitted an application for credit with the named company, nor did I grant permission for them to access my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am a XXXX who received XXXX XXXX orders in XX/XX/year>. On XX/XX/year>, I applied for an American Express card. I was approved, but not for the military rate. I understood this as the XXXX database takes time to update. 

I submitted my orders to Amex on XX/XX/year>, and completed the online form. I inquired with them via phone on XX/XX/XXXX, and via chat on XX/XX/XXXX and XX/XX/XXXX. Both times I was told that the XXXX verification could take 60 days and that the annual fee would be non-refundable after XXXX. This is a clear XXXX issue. 

On XX/XX/XXXX, I received notification that my status claim had been denied. Despite me providing a copy of my orders, which were received prior to my application date, they denied my military status. They have a clear misunderstanding of the law and how it applies to reservists. 

I called and explained this to them and was told to wait another 24 hours to talk to someone. They are clearly trying to take advantage of servicemembers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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