vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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 regarding XXXX unauthorized hard inquiries on my Equifax credit report. I did not initiate or authorize these credit checks, nor have I had any contact or submitted any credit applications with the companies listed in these inquiries. 

These inquiries are negatively impacting my credit profile, and I am requesting that they be removed immediately. 

I have already attempted to contact Equifax to dispute and remove these inquiries, but the issue remains unresolved. I am now requesting assistance to have these unauthorized inquiries investigated and deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 the following items : XXXX XXXX XX/XX/year> TransUnion These items have resulted in other several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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. I've attached an affidavit of truth, proof of identity, proof of address and a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I have also attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
THEY ATTEMPTED TO COLLECT A DEBT THAT THEY OBTAINED THROUGH ANOTHER SOURCE BEING XXXX XXXXXXXX XXXX. THE AMOUNT THAT THEY ARE TRYING TO COLLECT EXCEEDS THE AMOUNT THE CREDIT CARD WAS WAS ORIGINALLY FOR AND IS ALSO POSTED FOR XXXX WHICH IS ALSO A ABNORMAL NUMBER TO REQUEST FROM A CARD THAT I HAD PAID DOWN AND WAS DEFINITELY NOT GIVEN THAT MUCH ON THE CARD. THIS DEBT WAS BOUGHT THEREFORE IS NO LONGER THE ORIGINAL COLLECTOR. 15 U.S. CODE CODE 1681i

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
TD Bank XXXX XXXX XXXX Department Subject : Formal Dispute Regarding Account Closure and Unresolved Charges I am writing to formally dispute the closure of my checking account with TD Bank, which occurred without prior notification despite ongoing disputes regarding unauthorized transactions. As a loyal TD Bank customer since XXXX, I believe closing my account was unfair and harmful to my financial stability. 
My account was impacted by multiple disputes related to XXXX charges dating back to XX/XX/XXXX. These disputes resulted in provisional credit being reversed, which subsequently led to overdraft fees. However, no fee adjustments were made to correct the overdraft charges caused by this domino effect. As a result of the closure, all accounts previously linked to this checking account were disrupted, causing financial hardship and forcing me to open another checking account to mitigate the consequences. 
Additionally, I was never informed of the decision to close my account, and upon closure, my account was sent to collections with an outstanding balance of approximately {$900.00}. This action has further exacerbated the issue, creating additional financial and credit-related consequences for me.

I am requesting the following : 1. A full review of my account and the disputed charges.

2. A reversal of any overdraft fees caused by provisional credit reversals.

3. A reconsideration of the closure of my account and the resulting collections status.

4. A written explanation for why I was never notified of the closure of my account.

I trust that TD Bank values its long-standing customers and will work with me to resolve this matter fairly and appropriately. Please provide a written response to my concerns within 14 business days. I am prepared to escalate this matter further, including filing complaints with financial regulatory authorities, if necessary.

Thank you for your time and prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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 have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

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 2025-05-06 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: IL

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 explanation
Consumer complaint received 2025-05-06 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: VA

Complaint narrative:
CFPB Complaint Subject : Identity Theft Equifax refusal to block fraudulent items per FCRA 605B Description of the Problem : I submitted a full identity theft dispute to Equifax, including : A signed FTC Identity Theft Report A police report from the XXXXXX/XX/XXXX ( Report # XXXX ) My government-issued ID A notarized identity theft affidavit Highlighted Equifax credit report showing the disputed account and inquiries Despite this, Equifax denied my request to block fraudulent information under FCRA 605B. They incorrectly cited documentation deficiencies and confused FCRA 605B with rules related to human trafficking ( FCRA 605C ), which is not applicable to my case. 

The disputed items include : Fraudulent account : XXXX XX/XX/XXXX, opened XX/XX/XXXX, reported under my name without authorization Fraudulent account : XXXX XXXX, opened XX/XX/XXXX Unauthorized inquiries : XXXX ( XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) This violates my rights under the Fair Credit Reporting Act. I have had to spend time and money mailing certified letters, return green cards, and stamps. Equifaxs failure to block the disputed items is causing me ongoing harm and emotional distress, and continues to affect my credit profile and my ability to apply for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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:
To Whom It May Concern, I am submitting this complaint regarding XXXX XXXX in connection with an account they charged off XXXX ( the closed out my account and I dont have access to the full account number as I never received anything in the mail for it. 
The company charged off my debt in the amount of {$5100.00} in XX/XX/year>XXXX but failed to issue IRS XXXX XXXX, which is required when a debt of {$600.00} or more is canceled. This form is necessary for me to comply with my federal tax obligations and accurately report potential canceled debt income. 

I have made multiple attempts to contact the company to request this form and to receive proper validation of the debt. However, I have not received a response or the necessary documentation. This lack of compliance has caused me confusion about my tax obligations and raised concerns about whether the debt was legally and properly handled. 

I am requesting the following resolution : Issuance of IRS Form XXXX for the canceled/charged-off debt. 
Full debt validation in compliance with the Fair Debt Collection Practices Act ( FDCPA ). 
Assurance that no further negative reporting will be made to the credit bureaus regarding this account until this matter is resolved. 
I respectfully ask that the CFPB assist in resolving this matter. 

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 2025-05-06 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: GA

Complaint narrative:
I am writing you again about the compromising of my social security number. I am a victim of Identity Theft and believe my information was breached in the Equifax Databreach. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth as well as a police report. The account was previously removed but is now reinserted back on to my Equifax credit report without any proper investigation. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically section 6 ll ( a ) ( 5 ) ( B ) ( ii ), a consumer reporting agency is mandated to notify the consumer of any reinsertion of previously deleted material in writing within XXXX business days following such reinsertion. To date, I have not received any form of notification regarding the reinsertion of the disputed item, constituting a direct and egregious violation of FCRA section 61 l ( a ) ( 5 ) ( B ) ( ii ). The account listed below, which appears on my credit report, does not relate to any account I have opened or have knowledge. It is the result of identity theft. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am also including evidence in writing stated that the account was to be Deleted on XX/XX/year> via the CFPB portal from Equifax. On XX/XX/XXXX the account was reinserted without any validation of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX and followed up on XX/XX/XXXX. 
Enclosed you will find a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX ), which clearly supports my claim. As stated under 15 U.S.C. 1681c-2, once a valid identity theft report is submitted, credit reporting agencies are required to block the identified information within four ( 4 ) business days. 
I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
These fraudulent inquiries are affecting my credit and my plans to buy a home for my family. 
I have contacted the CREDITORS BELOW AND THEY HAVE NO PROOF THAT I INITIATED SUCH INQUIRIES, NO WRITTEN AUTHORIZATION, and have provided no permissible purpose. Since they have no authorization from me, either written or verbal. 
Unauthorized Inquiries in Question 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 Basis for Dispute - Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable. - Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights. - Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports.

These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction.

Immediate Action Required : I demand immediate action to resolve this dispute. Specifically, I request the following : XXXX. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries. 
XXXX. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay. 
XXXX. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately. 
XXXX. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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:
I have no relation to these inquiries or the listed creditors. I request their immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-06 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: OK

Complaint narrative:
Equifax is listing an incorrect full name in my file : " XXXX XXXX XXXX. '' This is not the full legal name I currently use or identify with, and the continued reporting of this version is both inaccurate and misleading. Given Equifaxs prior failure to protect consumer information during data breaches, I find it deeply troubling that such an essential part of my file is being misrepresented. This incorrect name could result in misidentification, the wrongful inclusion of unrelated tradelines, or even denials of credit applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NV

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 
and accuracies

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-05-06 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 INQUIRIES : 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 2025-05-06 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: CA

Complaint narrative:
TransUnion is reporting two accountsXXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX as containing late payments, even though both accounts are simultaneously listed with a past due balance of {$0.00}. This inconsistency demonstrates a complete breakdown in accurate data reporting. It is impossible to have a {$0.00} past due amount while being simultaneously flagged as delinquent. TransUnion is clearly allowing derogatory remarks to be published on my file without verifying whether the associated financial information justifies them. This is a reckless practice that misrepresents my creditworthiness and is damaging my ability to access fair credit. I suspect these errors may stem from miscommunication with data furnishers or residual corruption caused by improperly handled consumer data, possibly exacerbated by prior data breaches that have already compromised sensitive financial and personal details.

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