vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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:
b"Please remove the following items from my credit report:-\n\nADDRESSES:-\n XXXX XXXX XXXX XXXXPA XXXX XXXX XXXX XXXX XXXX,PA XXXX XXXX XXXX XXXX XXXX XXXXPA XXXX XXXX XXXX XXXX XXXX XXXX,PA XXXX XXXX XXXX XXXX XXXX XXXX,PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPA XXXX XXXX XXXXACCOUNTS:-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXINQUIRIES:- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had not checked my credit report in a long time. I went to the bank and was informed of these items. I don't know who could have done this. This is identity theft and a nightmare."

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 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I'm writing regarding a dispute of a negative credit report from Bank of America unfairly impacting my credit. This stems from a late payment reported around XXXX last year for an auto-payment that didn't process. Crucially, I had sufficient funds. I contacted Bank of America. A representative corrected the issue and promised the late payment would be removed from my credit report. When I received a letter stating the information was " correct, '' a subsequent agent admitted the prior promise was invalid. A XXXX then apologized and assured me the late fee would be refunded and the late payment removed. While I received the late fee credit, the late payment remains on my credit report. It's been months, and despite multiple direct disputes with Bank of America and attempts with credit bureaus, this incorrect mark persists, causing significant duress. I demand Bank of America immediately remove this inaccurate late payment and notify all credit bureaus of the correction. If this isn't promptly corrected, I will pursue all available legal actions. They have been deceiving me telling me XXXX thing from another and just giving me hoops and bounds to go through it's been months! I am very frustrated and disappointed. They way they are handling this situation makes me sure that multiple consumer protection laws are being violated.

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 2025-06-11 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: TX

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-06-11 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: MI

Complaint narrative:
TransUnion acted unfairly by not fully or accurately sharing my dispute with the companies that provided the information. They do not do a full investigation Instead ; they reach out to the company and mark the debt valid without seeking debt validation or addressing my specific concern with the debt. They continually do this and say " this account has been verified '' this goes against the protections in the Consumer Financial Protection Act of 2010.

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 2025-06-11 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I've been trying to close this account for years. They are charging an annual fee which is accruing interest. Every time I call to close the account, they refuse to help me and try to get me to jump througa a bunch of increasingly difficult hoops which end up being impossible. Various steps have included sending passport pictures, bills, social security card photos etc. As soon as I can't complete some arbitrary step for them, they hang up and I have to start over.

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 2025-06-11 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: DE

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

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 2025-06-11 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: LA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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:
In XX/XX/XXXX, I discovered that multiple accounts had been fraudulently opened in my name without my knowledge, consent, or authorization. These accounts are not mine and were created as a result of identity theft. I have never applied for credit or financing with the institutions listed below, and I have no relationship with any of them. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Type : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6000.00} XXXXXXXX XXXX Account Type XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$38000.00} XXXXXXXX XXXX Account Type : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} These accounts are now appearing on my credit reports and are seriously damaging my credit history and financial standing. I have already initiated steps to report this identity theft, but these accounts remain on 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 2025-06-11 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:
In XX/XX/XXXX, I discovered that multiple accounts had been fraudulently opened in my name without my knowledge, consent, or authorization. These accounts are not mine and were created as a result of identity theft. I have never applied for credit or financing with the institutions listed below, and I have no relationship with any of them. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Type : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6000.00} XXXXXXXX XXXX Account Type XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$38000.00} XXXXXXXX XXXX Account Type : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} These accounts are now appearing on my credit reports and are seriously damaging my credit history and financial standing. I have already initiated steps to report this identity theft, but these accounts remain on file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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:
Equifax is currently reporting a late payment on my credit file that I dispute as inaccurate, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, reported with a late payment dated XX/XX/year>, and showing a past due amount of {$0.00}. 

This reporting is both inconsistent and damaging. If the account shows a {$0.00} past due amount, then the presence of a derogatory late payment is unwarranted and misrepresents my payment history. The reporting of a delinquency in the absence of any past-due balance creates confusion and unjustly lowers my creditworthiness in the eyes of potential lenders. 

Under 15 U.S.C. 1681e ( b ), Equifax is required to follow reasonable procedures to ensure that the information it reports is accurate and up to date. In addition, when a consumer files a dispute, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) mandates that Equifax must conduct a reasonable reinvestigation into the disputed information. If, after reinvestigation, the information is found to be inaccurate, incomplete, or can not be verified, it must be corrected or deleted pursuant to 15 U.S.C. 1681i ( a ) ( 5 ). 

Equifaxs continued reporting of a late payment with a {$0.00} past due balance is not only contradictory but suggests a failure to update records properly or an overreliance on flawed data from the furnisher. This is a material issue that directly impacts my credit profile and undermines my ability to obtain fair and accurate lending evaluations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I was sold a XXXX XXXX XXXXXXXX  advertised at XXXX miles with no issues. 
After I left the car started overheating and I found the odometer was replaced and actually had XXXX on it

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 2025-06-11 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 found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
So this guy named XXXX XXXX force me to pay him {$1000.00} and if I didnt threaten to get me swatted and sent me my home address and I never gave him my home address at all so I was scared and I paid it to him and I tried settling it with him one on one, but then he started ghosting me and ignoring my phone calls so I decided to file a dispute against him for the {$500.00} he threatened to make me pay him through XXXX XXXX even have screenshots of this guy sending me my home address and I have proof of the contract that I was only supposed to pay {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: TX

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I am requesting basic account documentation for a previously closed TD Bank credit card for XXXX and XXXX. Despite multiple good-faith efforts, including written requests and an in-person branch visit, TD Bank has not XXXX XXXX records. 

I submitted written requests in XX/XX/XXXX and XX/XX/XXXX, and I visited a local TD Bank branch in person after being directed to do so by a phone representative. To date, TD Bank has failed or refused to provide the following : -Monthly account statements and payment history from XX/XX/XXXX through XX/XX/XXXX XXXX record of all payments, including any returned or failed transactions -A record of any auto-pay attempts, including the last four digits of the checking account ( s ) used -A copy of any auto-pay authorization that may have been on file -Confirmation of the last successful ( non-returned ) payment, believed to be around XX/XX/XXXX -Clarification of whether any auto-pay attempts continued after my checking account was closed on XX/XX/XXXX, and if so, whether those attempts were authorized I am the original account holder and am entitled to this information under federal banking laws, including the Electronic Fund Transfer Act ( Regulation XXXX ) and consumer records retention requirements. 

TD Bank has neither responded in writing nor provided a reasonable explanation for the refusal to release these records. I am requesting a complete written response and the release of the documents listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc.
State: CA

Complaint narrative:
I am a Self Financial customer with a secured credit card that was issued by Lead Bank, as plainly stated on the card. I have tried to cancel the account and reclaim my security deposit for four months, but Self Financial does not answer calls. When I contacted Lead Bank, they denied responsibilityeven though the card states they issued itand refused to help. I am now locked out of my money with no recourse. Please investigate this matter and compel both parties to fulfill their legal obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Upon reviewing my credit report, I discovered multiple inaccurate entries that I am formally disputing. 

First, there are several late payment notations reported on accounts that I consistently paid on time. Specifically, [ list examples like : XXXXXXXX XXXX XXXX XXXX is showing XXXX missed payments that never occurred ]. These late payment entries are false and damaging to my credit score and reputation. I have documentation to show that these payments were made on time and in accordance with the creditors billing terms. 

Second, there are XXXX or more unauthorized accounts listed on my report that I did not open, authorize, or have any knowledge of. For example, the XXXX account was not opened by me and appears to be the result of identity theft. I have never had any financial relationship with that entity, and I did not give permission for them to access or report information about me. I am submitting this dispute under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), which protects consumers from being held accountable for fraudulent accounts resulting from identity theft.

These errors are causing significant harm to my creditworthiness, increasing the cost of credit and limiting my access to financial services. I am requesting an immediate reinvestigation under 15 U.S.C. 1681i, and for any unverifiable or inaccurate data to be removed or corrected as required by 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
Consumer complaint received 2025-06-11 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: IL

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: NC

Complaint narrative:
Called XX/XX/year> XXXX pm to verify who the organzation was. The person on the phone refuse to verify information became hostile and would not give me any information but wanted.me to give out personal information which was odd if it was a legit company. Why was nothing mailed etc. I never done business with XXXX XXXX. XXXX currently disputing on my credit because I do not know the organzation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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:
" I dispute this debt. Under FCRA 1681s-2 ( b ) and Regulation Z, provide : - A copy of my signed contract. 
- Complete payment history ( GAAP-compliant accounting ). 
- Proof of the debts current ownership. 
Failure to respond within 30 days requires deletion from my credit report. " *

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: Javitch, Block & Rathbone LLC
State: TX

Complaint narrative:
" I dispute this debt. Under FCRA 1681s-2 ( b ) and Regulation Z, provide : - A copy of my signed contract. 
- Complete payment history ( XXXX XXXX ). 
- Proof of the debts current ownership. 
Failure to respond within 30 days requires deletion from my credit report. " *

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