vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX # XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a complaint against TD Bank regarding an issue with their rewards program. On XX/XX/XXXX, I redeemed my TD Bank Cash Credit Card rewards points for a {$25.00} XXXX gift card. Understanding that the holidays might cause delays, I patiently waited for my reward to arrive. 

By the third week of XX/XX/XXXX, after not receiving the gift card, I contacted TD Banks customer service. The representative assured me that the card was shipped and that I should receive it within a few days. However, despite waiting, the gift card never arrived. 

On XX/XX/XXXX, I called TD Bank again to follow up. This time, I was told that they could not assist with lost or missing gift cards and that there was nothing they could do to either replace the card or refund my rewards points. This was incredibly frustrating because the issue was not on my endI never received the gift card in the first place. 

TD Banks refusal to help has left me without the reward I rightfully earned, effectively making me lose {$25.00} worth of my hard-earned rewards points for nothing. I find this unfair and misleading, as their rewards program should guarantee that customers actually receive their redemptions. 

I am requesting that TD Bank either : XXXX. Issue a new {$25.00} XXXX gift card, or XXXX. Refund the rewards points used for the redemption. 

I believe it is unacceptable for TD Bank to refuse assistance in situations where a customer never receives their reward. I kindly ask for your investigation and assistance in resolving this matter. 

Thank you for your time and support. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-17 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: MA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-02-17 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: TX

Complaint narrative:
violation of fair credit act reporting incorrect info on 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 2025-02-17 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:
violation of fair credit act reporting incorrect info on report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX*- DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - XXXX OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: FL

Complaint narrative:
I requested several accounts to be removed due to them being charged off. 
Nothing was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: FL

Complaint narrative:
I requested several accounts to be removed due to them being charged off. 
Nothing was done.

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 2025-02-17 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: NC

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I've marked inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed I had fraudulents accounts in my report.Please remove these account of my report thet are hirting my ability to obtaing credit. XXXX XXXX  # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-02-17 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: SC

Complaint narrative:
To whom it may concern, I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : Accounts : XXXX XXXX : XXXX XXXX  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dealer I assert that I never provided written consent for you or these entities to obtain or furnish my credit information. As such, I request an immediate investigation into these matters. If it is determined that these accounts and inquiries were unauthorized, please remove them from my credit report without delay. 15 USC 1681a3.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX  XXXX Balance Owed : {$170.00} XXXX XXXX  XXXX XXXX Balance Owed XXXX {$1400.00} XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: CO

Complaint narrative:
I am in the process of getting my financial affairs in order following some major health issues. In doing so, I noticed when I pulled my credit report, the charge-off and account closed with my credit card. 

I understand that I was way late with my payments and had reached out to them when my issues first began ; however, when some of the problems deepened, I failed to contact them. Because of that fact, my account XXXX in the amount of {$400.00} with the high balance being {$600.00}. With it being {$600.00} before, I should have gotten a 1099-C yet I did not. I did write them asking about that and did not hear back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 PLEASE REMOVE ALL UNAUTHORIZED FRAUDULENT ACCOUNTS AND INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-17 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-17 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: UT

Complaint narrative:
I am sending to formally dispute the inaccurate or misleading information on my credit report. 
XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Auto Financing Companies XX/XX/XXXX XXXX XXXX XXXX XXXX Finance Companies - non specific XX/XX/XXXX XXXX XXXX XXXXXXXX Banks - non specific XX/XX/XXXX XXXX All Banks - non specific XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Banks - non specific XX/XX/XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX  Mortgage Reporters XX/XX/XXXX XXXXXXXX XXXX  XXXX All Banks - non specific XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX All Banks - non specific XX/XX/XXXX XXXX XXXX  XXXX Mortgage XXXX XX/XX/XXXX XXXX XXXX All Banks - non specific XX/XX/XXXX XXXX  XXXX XXXXXXXX Mortgage XXXX XX/XX/XXXX XXXX All Banks XX/XX/XXXX XXXX  XXXX XXXX  XXXX All Banks XX/XX/XXXX XXXX  XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX  XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX  XXXX  Miscellaneous and public record XX/XX/XXXX XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX other than personal XX/XX/XXXX XXXX XXXX  Banks and XXXX XXXX XXXX XX/XX/XXXX XXXX Contractors XX/XX/XXXX XXXX XXXX  Finance other than personal XX/XX/XXXX XXXX XXXX, personal XX/XX/XXXX XXXX  XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX XXXX other than personal XX/XX/XXXX XXXX XXXX  Banks and XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  Banks and XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX Banks and XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  Banks and XXXX XXXX XXXXXXXX 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 2025-02-17 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Duncan Solutions, lnc.
State: CT

Complaint narrative:
I recently received a threatening notice from XXXX XXXX XXXX XXXX XXXXXXXX ) after XXXX XXXX XXXX falsely claimed damages for which I am being unlawfully charged following my move-out from their property. 

When I vacated the apartment, I made sure the unit was thoroughly cleaned, and I personally repainted one of the bedrooms for my son. I ensured that all trash was removed and the walls were repainted white before leaving the premises. Despite this, I was later sent a bill for {$5300.00} from XXXX XXXX, which included numerous charges that were either already addressed or entirely fabricated. 

For example, one of the charges claims damage to the carpet and the need for its replacement. However, the carpets were never damaged, and XXXX XXXX has failed to provide any evidence of replacing them. This is one of several dubious charges included in the bill. 

Unfortunately, XXXX XXXX has a history of using similar extortion tactics against former tenants, aggressively forcing them to pay for non-existent damages in an attempt to extract money from them after theyve moved out. After I refused to comply with their unjust demands and challenged their collection practices, they escalated the matter by forwarding the bill to XXXX. 

XXXX then placed this collection on my credit report, along with added interest, which has severely impacted my credit score. The current balance on this collection is {$6000.00}, which I do not owe. Both XXXX XXXX and XXXX have acted in bad faith, and their actions are causing significant harm to my financial future. 

I am in the process of purchasing my first home, and this unjust collection has put that goal at serious risk. I am demanding that this collection be removed from my credit report immediately. If this matter is not resolved, I will be pursuing legal action against both XXXX XXXX and XXXX for extortion and damaging my credit. 

This situation has caused unnecessary hardship, and I expect prompt resolution.

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