vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful no
ncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
I have filed XXXX disputes with Equifax on my end on XX/XX/year>, XX/XX/year>, and XX/XX/year>. I have also called the company multiple times and agent said they would file a dispute on their end and never did. My equifax report is showing I have XXXX Target Red Card accounts ( see attached photo ) I only have one singular account. I have called Target Red Card to have them send equifax uodated information showing I only have one account, Equifax has constantly stated they are reporting what is reported to them but they are the only credit bureau that is showing two Target Red Card accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX/ Account # XXXX XXXX/ Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX 15 U.S.C. 1681, Section 602 ( a ) : Fair and Accurate Credit Reporting is Essential Congress recognizes that the banking system depends on accurate credit reporting.

Inaccurate reports harm financial efficiency and undermine public confidence.

Consumer Reporting Agencies Play a Vital Role These agencies assemble and evaluate consumer credit information.

They must exercise their responsibilities fairly and impartially.

Protection of Consumer Privacy The law stresses the need for respecting consumer privacy in credit reporting.

Agencies must follow reasonable procedures to ensure confidentiality, accuracy, and relevancy 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) : A consumer reporting agency may furnish a consumer report only if it is in accordance with the written instructions of the consumer. 

This means that a credit report can not be accessed unless the consumer explicitly authorizes it in writing. 

It protects consumers from unauthorized access to their credit information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX/ Account # XXXX XXXX/ Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX 15 U.S.C. 1681, Section 602 ( a ) : Fair and Accurate Credit Reporting is Essential Congress recognizes that the banking system depends on accurate credit reporting.

Inaccurate reports harm financial efficiency and undermine public confidence.

Consumer Reporting Agencies Play a Vital Role These agencies assemble and evaluate consumer credit information.

They must exercise their responsibilities fairly and impartially.

Protection of Consumer Privacy The law stresses the need for respecting consumer privacy in credit reporting.

Agencies must follow reasonable procedures to ensure confidentiality, accuracy, and relevancy 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) : A consumer reporting agency may furnish a consumer report only if it is in accordance with the written instructions of the consumer. 

This means that a credit report can not be accessed unless the consumer explicitly authorizes it in writing. 

It protects consumers from unauthorized access to their credit information.

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 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: CA

Complaint narrative:
I received my Social Security XXXX benefits of {$1300.00}. On the third of every month since XX/XX/year> I have XXXX transfers approved to XXXXXXXX XXXXk via XXXX XXXX my name is XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX beneficiary I have uploaded via email my Real ID, birth certificate, and social security card. They are refusing to activate my new card mailed to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX please help me activate my XXXXXXXX XXXX XXXX card I have bills due on first so I don't get late fees. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: TX

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing 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 non-monetary relief
Consumer complaint received 2025-05-27 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 OF XXXX  AND 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 AND XXXX. 

Account Name : XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXXL # XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: FL

Complaint narrative:
This is my final legal demand to Equifax before I file a small claims lawsuit. 

I disputed accounts on XX/XX/year>, and gave proper ID and address documents. Equifax failed to properly investigate and responded with false verified results, then later claimed they were still reaching out to the creditor. That violates FCRA 609 ( a ), 611 ( a ), 610, 1681s-2 ( b ), and 623 ( a ) ( 3 ).

Deleting the account now is not enough. The damage has already been done. You violated federal law, caused emotional distress, and hurt my credit and finances. 

I am demanding a {$5000.00} settlement to resolve this matter now. If I do not receive confirmation within XXXX business days, I will file my lawsuit and include this CFPB case, all evidence, and documentation of your conflicting responses. 

This case will be made public, and I will hold Equifax fully accountable for its repeated violations and refusal to resolve the issue responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: SC

Complaint narrative:
This complaint is a formal request for a complete accounting under UCC 9-210 for any and all accounts bearing my name that your institution owns, services, or has reported. I am requesting a breakdown and documentation that supports the existence, status, and disposition of these accounts.

Please include the following : A full accounting statement, showing all charges, payments, interest, fees, and the current balance breakdown ; Any assignment or transfer documents, if the account has been sold or transferred to any third party ; Disclosure of whether the account has been transferred to a trust or securitized, including : Name of any trust and trustee, Date of transfer and involved parties, Copies of any Pooling and Servicing Agreements ( PSAs ) or related trust documentation.

If you are not the secured party in possession of this information, please forward this request to the appropriate party and inform me of their identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: AL

Complaint narrative:
The account has not been remove XXXX XXXX show no such acccount

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 2025-05-27 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX Dear XXXX, Re : Request for Removal of Unauthorized/Inaccurate Hard Inquiries Under 15 U.S.C. 1681n This letter serves as formal notice of unauthorized and/or inaccurate hard inquiries on my credit report. I am requesting the immediate removal of these inquiries pursuant to 15 U.S.C. 1681n, which provides for damages and relief for non-compliance with the Fair Credit Reporting Act ( FCRA ). 

* Details of the Inquiries to be Removed : * - Account Name : XXXX XXXX - Date of Inquiry : XX/XX/XXXX - Creditor 's Name : XXXX XXXX XXXX XXXX XXXX of Inquiry : XX/XX/XXXX - Account Name : XXXX  - Date of Inquiry : XX/XX/XXXX - Account Name : XXXX Card - Date of Inquiry : XX/XX/XXXX. XXXX - Account Name : XXXX XXXX - Date of Inquiry : XX/XX/XXXX These inquiries were unauthorized and/or inaccurately reported. Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), credit bureaus are required to conduct a reasonable investigation and correct or delete disputed information that can not be verified.

15 U.S.C. 1681n provides for civil liability for willful non-compliance with the FCRA, including failure to adhere to reinvestigation requirements under 1681i. Failure to remove these unauthorized inquiries will result in further action.

I request : XXXX  Immediate removal of the listed hard inquiries from my credit report. 
XXXX. Confirmation of this removal in writing. 
XXXX. A copy of my updated credit report reflecting this correction. 

Sincerely, XXXX XXXX cc : [ Optional : Relevant regulatory bodies or consumer protection agencies, if desired ] ---

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a formal complaint regarding Capital One 's continued reporting of a closed and fully paid account as a collection account on my credit report. The account in question currently reflects a {$0.00} balance and has been paid in full. However, it remains listed under the " collections '' section, which I believe is inaccurate or misleading. 
This negative tradeline is unfairly impacting my creditworthiness despite the account being resolved.

According to the Fair Credit Reporting Act ( FCRA ), furnishers of information have an obligation to report accurate and fair data. I request that this account be either reclassified appropriately or removed entirely from the collections section.

Please investigate this issue and require Capital One to correct or remove this derogatory listing. 
Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
BANK OF AMERICA Revolving with account # XXXX opened on XX/XX/year> and a balance of {$700.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account this account was opened with documents fraud their stole documents information credit and bank account was open on documents fraud was reported to the police

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 2025-05-27 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal allowed my checking account to go into overdraft, even though I never opted in to overdraft protection. 

On XX/XX/year>, they withdrew {$1100.00} and another {$380.00} from my account as adjustments. This pushed my account into a negative balance of over {$1500.00}. 

I did not authorize overdraft, and my Overdraft Protection was turned OFF. 

Additionally, after I reported fraud and the card was locked, Navy Federal still allowed a new charge of {$96.00} from the same fraudulent merchant ( XX/XX/year> ), plus a {$0.00} fee. 
This shows that their system failed to block further unauthorized transactions even after the card was disabled. 

These actions violate : Navy Federals own overdraft policy Zero Liability Policy Federal Regulation E I am requesting : 1. Full reversal of the negative balance.

2. Explanation of why transactions were processed after the card was locked.

3. Internal investigation of these violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

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 2025-05-27 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: CA

Complaint narrative:
I am a victim of identity theft. XXXX XXXX XXXX XXXX inquired on XX/XX/year>. This inquiry on my credit report is not mine. This inaccuracy has directly resulted in denial of affordable housing opportunities and mortgage eligibility, which constitutes discriminatory impact under the Fair Housing Act and causes irreparable harm. Immediate action is required. I am filing a formal complaint regarding these inquiries on my credit reports. I have not applied for any loan. This misinformation has damaged my ability to access affordable housing. I have been denied mortgage preapproval and blocked from qualifying for federally supported Down Payment Assistance Programs, which require clean credit files with no recent delinquencies, unresolved charge-offs or inquiries. The harm is not speculative-it is real, ongoing, and unjust. I've spent considerable time and emotional energy trying to resolve this with no relief.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: IN

Complaint narrative:
I am requesting the removal of fraudulent accounts and inquiries from my credit report due to identity theft. In accordance with Section XXXX of the Fair Credit Reporting Act, I ask that all unauthorized items be blocked and deleted. I have included a list of the disputed entries along with a copy of my Identity Theft Report filed with the FTC. Please provide written confirmation once the necessary corrections have been made.

Company response to consumer: Closed with explanation