vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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: NC

Complaint narrative:
I disputed the following items to the Credit Bureaus but I have not received any response from them. I do not recognize them at all. Please remove these inaccuracy as I do not believe it even belongs to me. This is in accordance withViolation of XXXX XXXX. XXXX ( a ) ( XXXX ) - any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete. - XXXX - XXXX - XXXX XXXX - XXXX - XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX XXXXXXXX - XXXX - XXXX XXXX - XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-04-08 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am submitting this complaint against Target Card Services due to their improper handling of a lawful payment, potential mail fraud, and violations of commercial law, credit reporting rules, and consumer protection statutes.

On [ insert date ], I mailed a lawful tender of payment to Target Services at their listed mailing address. This tender conformed to XXXX XXXX XXXX 's definition of " payment '' as the performance or discharge of a debt. Additionally, under 31 U.S. Code 5115, U.S. currency notes are lawful legal tender for all debts, public and private.

Despite this, Target refused to process the payment, claiming it was " not valid, '' without providing any legal citation or justification for the refusal. Notably, this payment was sent to their own listed address not located in the District of Columbia, and thus not entitled to special federal jurisdiction protections. Their refusal, followed by continued derogatory reporting to credit bureaus, raises concerns of mail fraud under 18 U.S.C. 1341, as they are knowingly using the U.S. mail to perpetuate a false financial claim and reject lawful attempts at settlement.

Under UCC 3-603 ( a ) : " If tender of payment of an obligation... is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation ... '' Targets refusal to accept lawful tender could constitute a discharge of obligation, and continuing to enforce or report the debt is a possible violation of credit reporting laws, consumer fraud protections, and unjust enrichment.

Target Services has also referred the account to a third-party collector ( Alliance One ) without confirming a valid assignment or proof of authority, in violation of the Fair Debt Collection Practices Act ( FDCPA ).

I am requesting the following : Immediate investigation into Targets conduct and mail fraud potential ; Clarification of their policy on lawful tender and rejection of U.S. currency ; Removal of inaccurate tradelines from all credit bureaus ; Verification of any third-party involvement and the validity of their authority ; Assurance that Target is operating within lawful jurisdiction and not asserting false authority over consumer contracts.

Supporting documentation including the returned payment, Targets letter, and proof of mailing can be submitted if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX  days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2025-04-08 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible pur
poses of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

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 2025-04-08 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX PAYMNT XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXX Balance : {$7200.00} XXXX  XXXX Balance : {$1700.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$3100.00} XXXX  XXXX Balance : {$3800.00} XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX Balance {$650.00} XXXX XXXX Balance {$820.00} XXXX XXXX Balance : {$3600.00}

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Over the past year in a half I have a debt on my credit profile. When I reached out to the debtor they agreed to pay to delete. I paid the balance they have failed to delete it from my credit profile like they said. They have taken my money and placed a note on my credit profile stating Consumer disputes this account information Collection account with the status of Paid. They did not delete it from my profile like they said which was monitored and recorded on a recorded line. I ask that you guys investigate this and make sure they remove this from my credit profile. I'm seeking litagation from this plus stress and more. Please resolve this. This is a major violation and violating my rights under XXXX XXXX XXXX XXXX. Please remove. The debtor name is ( XXXX XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
I discovered late payments on my credit record and have attempted to resolve this issue by sending letters over XXXX  days ago requesting validation. Unfortunately, I have received no response to my inquiries, and no satisfactory validation has been provided regarding these entries on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: TX

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

Company 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 2025-04-08 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: MO

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXXXXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$1200.00} Charge-off XXXX XXXX XXXX XXXXXXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$600.00} Charge-off XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Charge-off XXXX XXXXXXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Charge-off XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Charge-off XXXX XXXX XXXX XXXXXXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Charge-off XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number XXXX Date Opened XX/XX/XXXX, XXXXBalance : {$1100.00} Collection XXXX XXXX XXXXXXXX Account Number XXXX Date Opened XX/XX/XXXX Balance : {$0.00} Collection XXXX & XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX {$250.00} Collection Inquiries in Dispute : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: MO

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXXXXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$1200.00} Charge-off XXXX XXXX XXXX XXXXXXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$600.00} Charge-off XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Charge-off XXXX XXXXXXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Charge-off XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Charge-off XXXX XXXX XXXX XXXXXXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Charge-off XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number XXXX Date Opened XX/XX/XXXX, XXXXBalance : {$1100.00} Collection XXXX XXXX XXXXXXXX Account Number XXXX Date Opened XX/XX/XXXX Balance : {$0.00} Collection XXXX & XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX {$250.00} Collection Inquiries in Dispute : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XX/XX/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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to file a formal complaint against Chase Bank, Branch Address : XXXX XXXX XXXX XXXX, XXXX, New York XXXX, for a false and misleading denial of credit in violation of the Equal Credit Opportunity Act ( ECOA ), 15 USC 1691. 
On [ XXXX XXXX of 2015 ], I visited the aforementioned branch and requested to apply for a bank home loan in the amount of {>= $1,000,000} ( XXXX XXXX XXXX XXXX XXXX XXXX  ) under Federal Statute 31 USC 3123. However, Branch Manager XXXX XXXX and Lead Associate Operations XXXX XXXX refused to provide me with an application, thereby denying me the opportunity to obtain credit. 
This denial is in direct contravention of the XXXX, which prohibits creditors from discriminating against applicants based on certain characteristics. Furthermore, banking officers have a duty to comply with federal law and regulatory requirements, as outlined in XXXX33.3 and the FDIC Statement Concerning the Responsibilities of Bank Directors and Officers.

Which have obligations to discharge duties owed to their institution and to the shareholders and creditors of their institutions, and to comply with federal and state statutes, rules and regulations. Establishing and monitoring adherence to policies and procedures required by statute, regulation, and principles of safety and soundness ; and for making business decisions on the basis of fully informed and meaningful deliberation.

Moreover, the Uniform Commercial Code ( UCC ) 4-103 and 4-202 also support my position, as they define the responsibilities of banks and their liability for wrongful dishonor.

I respectfully require that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Chase Bank complies with federal law and regulatory requirements.

Please find attached all relevant documentation supporting my claim.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 non-monetary relief
Consumer complaint received 2025-04-08 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: VA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXXXX/XX/XXXX {$0.00} Charged Off XXXX XXXX XXXX XX/XX/XXXX {$13000.00} Charged Off XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$4100.00} Charged Off XXXX XXXX XXXX Original Creditor : XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$770.00} Collection Inquiries in Dispute : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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