vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: CreditNinja Lending, LLC
State: TX

Complaint narrative:
I obtained a {$500.00} loan from CreditNinja, but they charged me an additional CAB fee of {$720.00}, which significantly exceeds legal limits and may violate usury laws. The repayment plan consists of 6 monthly installments of over {$200.00}, of which I have already paid 4. I requested a copy of my contract in XXXX to fully understand the terms, but they have denied my request. This lack of transparency and excessive charges are deeply concerning and may constitute predatory lending practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a written dispute to Experian regarding fraudulent activity on my credit report as a result of identity theft. I am a victim of a data breach, and I filed an identity theft report with the Federal Trade Commission ( FTC Report Number : XXXX ), which was included in my dispute. I formally requested that Experian block and remove several unauthorized accounts and inquiries, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. These include : XXXX XXXX XXXX  XXXX {$2700.00} XXXX XXXX  {$550.00} XXXX XXXX XXXX  {$280.00} DEPT OF EDUCATIONXXXX XXXX XXXX totaling over {$80000.00} Hard Inquiries : XXXXXXXX XXXX and XXXX XXXX I asked Experian to take action within the required 4 business days and provide me with an updated copy of my credit report. I also cited multiple violations of the Fair Credit Reporting Act and informed them that failure to respond satisfactorily could result in a small claims lawsuit. Despite this, I have not received a satisfactory resolution or confirmation that these fraudulent accounts have been removed or blocked.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I am disputing the accuracy and integrity of a charged-off tradeline being reported by TD Retail Card Services ( TD RCS ) related to a XXXX financing account. 

On XX/XX/XXXX, I submitted a formal dispute letter to TD RCS under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. My dispute specifically challenged the completeness, accuracy, and verifiability of the information being furnished to the consumer reporting agencies. I formally requested : A copy of the original signed agreement or contract A complete transaction and payment history A full itemization of principal, interest, late fees, and other charges Documentation establishing TD RCSs legal authority to report and collect the alleged debt TD RCS responded only with a single billing statement dated XX/XX/XXXX, which fails to satisfy the legal standard for validation or a reasonable reinvestigation under FCRA 1681i ( a ) and 1681s-2 ( b ). No contract was provided. No breakdown or itemized history was included. No documentation verifying authority to report or collect was offered. 

In their response, TD RCS also stated that the account had been " placed with XXXX XXXX XXXX. '' However, my credit reportscurrent as of XX/XX/XXXX, XXXX the account is still being reported directly by TD RCS with a full balance of {$1500.00} and no mention of XXXX XXXX XXXX or any transfer. The tradeline has not been updated to reflect a {$0.00} balance, sale, or assignment, and remains inaccurately presented as fully owed to TD. 

This is materially misleading and incomplete, in violation of FCRA 1681e ( b ). The account is also not flagged as disputed, despite TD receiving a formal written dispute, in violation of FCRA 1681s-2 ( a ) ( 3 ). 

Moreover, the continued reporting of this unverifiable and inaccurate tradeline is causing ongoing harm to my creditworthiness, limiting my financial opportunities and creating reputational damage. 

Under FTC Staff Opinion Letters and CFPB supervisory guidance, a furnisher may not continue to report information it can not verify. TD RCS 's failure to provide the requested documentation, combined with their conflicting representations about the status of the debt, constitutes a breach of their legal obligations under the FCRA. 

I have attached : 1. My formal written dispute dated XX/XX/XXXX XXXX. TD RCSs XX/XX/XXXX response 3. A current credit report excerpt showing the tradeline in question

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I called company on XX/XX/XXXX I also sent information to credit bureau asking remove because I did not authorized these inquiries. 
I sent a letter by certified mail XXXX  XXXX XX/XX/XXXX TD Auto FIN XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: NJ

Complaint narrative:
I opened this account several weeks ago and move the money into crypto and wanted to transfer it out and I can not get any response. Just says that my account is frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Credit Card is from Citibank for Home Depot. Credit card online information was stolen. Requested a new card and card was send to the hacker. Currently credit company has solved the issue and change back my information and issue a new card. 

My email is : XXXX Hacker changed to : XXXX My current cell number is : XXXX Hacker changed to : XXXX they are using this address : XXXX XXXX XXXX XXXX OH, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXXI am formally disputing the following negative items on my credit report: Also Known As: XXXX XXXXAlso Known As: XXXX XXXX XXXXAlso Known As: XXXX XXXXPrevious Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.\nUnder the Fair Credit Reporting Act (FCRA), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: 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: CA

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit 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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Customer Service Upstart Bank Dear Upstart Bank Customer Service , I hope this message finds you well. My name is XXXX XXXX XXXX, and I am writing to address a pressing matter regarding my account ( Account Number : XXXX ). 

Recently, I experienced fraudulent activity on my XXXX XXXX account, which led to the bank issuing me a new account number. Unfortunately, the timing of this incident caused a disruption in my ability to make timely payments, resulting in a rejection that has subsequently affected my credit score. 

I take my financial responsibilities seriously, and I have always maintained a good standing with Upstart Bank. The late payment on my account is not reflective of my usual payment behavior and is solely a consequence of circumstances beyond my control. 

As I am currently in the process of purchasing a home, I kindly request that you review my account and consider removing the late payment from my record. This adjustment would significantly assist me in moving forward with my home purchase and restoring my credit standing. 

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

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Data Search NY, Inc.
State: IL

Complaint narrative:
To Whom It May Concern, This is a follow-up to my previous CFPB complaint involving XXXX XXXX XXXXXXXX XXXX TrakAmerica, and XXXX XXXX XXXX XXXX  concerning fraudulent identity claim activity and continued litigation based on misrepresented account control and documentation. 

This update focuses specifically on the creation and misuse of Claim ID XXXX, a fraud claim cycle that was escalated without my authorization and continues to be used in court proceedings against me. 

Background : - On XX/XX/XXXX, I sent a standard debt validation letter to XXXX XXXX XXXX. This letter did not allege fraud and was issued under the FDCPA. 
- On XX/XX/XXXX, TrakAmerica escalated a fraud claim to XXXX  XXXX XXXX based on that letter, as confirmed in their prior CFPB response. 
- I have never contacted TrakAmerica directly, never submitted a fraud claim to them, and never consented to the creation of Claim ID XXXX. 
- Since that time, XXXX claim evaluations have occurred under that Claim ID, resulting in over {$53000.00} in balance reversions falsely attributed to me. 
- A XX/XX/XXXX claim evaluationwhich I did not initiatewas later submitted in court by XXXX XXXX XXXX as Exhibit C. This document : - Was redacted of XXXX and XXXX XXXX - Contains no confirmation of consumer authorization - Was never backed by a sworn affidavit from any party Despite this, XXXX XXXX XXXX continues to litigate as if I personally triggered this fraud cycle. XXXX  XXXX XXXX has confirmed that TrakAmerica controlled the account activity, yet no entity has explained how or why these escalations occurred without consumer input. 

Contradictions : - In court, XXXX XXXX XXXX has claimed no dispute or fraud occurred, yet TrakAmericas own CFPB response stated that my XX/XX/XXXX validation letter triggered a fraud escalationdespite me never authorizing any fraud claim or speaking to them directly. 

Outstanding Issues : - TrakAmerica has not yet responded to this active CFPB complaint despite its central role in controlling the fraud evaluations and balance reversions. 
- There is still no sworn affidavit from XXXX, TrakAmerica, or XXXX XXXX XXXX explaining who initiated the fraud claims or how Exhibit C was created. 
XXXX XXXX  XXXX XXXX own documentation confirms that fraudulent activity occurred after the account was charged off, yet no party has taken accountability.

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

Complaint narrative:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through IdentityTheft.gov.

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section 605B and Section 617requires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency. 

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft. Let me be clear : This is your final notice. You are in violation of federal law by continuing to report and verify accounts that were opened fraudulently and which I have already disputed with appropriate documentation. 

If I do not receive confirmation within XXXX calendar days that these accounts have been permanently removed and that my credit file has been updated to reflect the resolution of this matter, I will proceed to : 1.File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General.

2.Initiate legal action for your violations of FCRA Section 617 and for any damages sustained as a result of your unlawful reporting and failure to investigate. 

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 2025-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I am escalating this complaint against XXXX XXXX  for their unlawful reporting of an account to TransUnion, despite having no written authorization or consent from me to do so. I have repeatedly disputed this account with XXXX, yet it remains on my credit file unresolved. I never granted XXXX XXXX permissionwritten or otherwiseto furnish or share this data with any credit bureau. This is a clear violation of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681b ( Permissible Purpose ). Furthermore, the account in question is tied to a transaction that falls under the EXCLUSION section of the FCRAs definitions and rules of construction and meets the criteria of identity theft, as defined by the Federal Trade Commission. This is not a transaction I authorized, and no written instruction was ever given to XXXX XXXX  to report this account. Therefore, it shall be permanently deleted from my credit file. XXXX XXXX is also in violation of 15 U.S.C. 1681e ( b ) for failing to ensure the maximum possible accuracy of what is being reported. As the furnisher of this account, XXXX XXXX  should be required to : Immediately stop furnishing this account to XXXX  ; Issue formal instruction to XXXX  to permanently delete the item ; Cease any future sharing of this information under false pretenses. These actions amount to willful noncompliance under 15 U.S.C. 1681n, and negligent noncompliance under 15 U.S.C. 1681o, both of which carry civil liability of at least {$1000.00} per violation. I respectfully request the CFPBs assistance in enforcing compliance and holding XXXX XXXX  accountable.

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

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, This letter is a formal notice demanding full proof of verification for the XXXX XXXX XXXX XXXX XXXX account ending in XXXX, currently reporting on my credit report. 

In response to CFPB Complaint # XXXX, I specifically requested documentation substantiating the accuracy of this account. Your response, dated XX/XX/2025, was procedurally timely but legally noncompliant. You failed to provide : The method of verification The name and contact information of the furnisher who verified the data Any documentation supporting the accuracy of the reporting Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to receive the method of verification and the substance of the information provided by the furnisher. A vague statement that the account was verified is not sufficient under the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief