vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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: MN

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-03-05 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. 
XXXX5 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b CODES FOR INQURIES - 15 USC 1681i 15 USC 1681b - CODES FOR CHARGE OFFS 15 USC 1681IS-2 CODES FOR COLLECTIONS 15 USC 1692g LATE PAYMENT CODE 15 USC 1681 BA2 LATE PAYMENT CODE 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

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 2025-03-05 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have called MULTIPE times about my overdraft fee 's.

I have had over {$210.00} in fee 's in the last 90 days. 

They will NOT allow to refund me anything back. 
They said only once per 12 months which is UNACCEPTABLE after I had my overdraft protection fee on. 


it is so frustrating that when I go through a hard time as a single mom, they want to take all this money from me. it's HORRIBLE business.

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 2025-03-05 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: GA

Complaint narrative:
You are obligated by law to maintain accurate consumer records. The incorrect addresses on my credit report are causing harm and must be removed immediately. Non-compliance will be considered negligence and may lead to legal action. I expect prompt confirmation of this correction.

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 2025-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: CT

Complaint narrative:
First week of XXXX I discovered several fraudulent charges on my card, I called the cc company, they told me they were going to investigate, about XXXX weeks later they refunded the charges, they closed that XXXX and sent me a new card with a new number, however a week later they closed that cc too.I received a letter the last week of XXXX saying a charge for XXXX was going to be refunded for the next billing cicle XXXX, so last month I paid the whole balance minus XXXX assuming for XXXX the balance would be XXXX, but I just checked the cc account and they have charged me an anual fee of XXXX, they say the XXXX charge was rebilled, why? the account is closed, they say it was charged before the account was closed, but the account was already under the suspicion of being used to commit fraud, why they approve the charge? Now the balance is XXXX dollars, I called the cc company spoke to XXXX people none of them can find a solution to this problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: MI

Complaint narrative:
I called the XXXX courthouse asking if they report XXXX  to the XXXX XXXX credit bureau 's and they reply no. If that's the case how did the credit bureau 's verify my XXXX  100 % accurate. They never did a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( e ). They violated my consumer right numerous times.

The credit bureau 's violated my given rights under 15 USC 1681.

According to 15 USC 1681 section 602 A I have the rights to privacy.

According to 15 USC 1681 section 604 A section 2 It also states and consumer report agency can not furnish and account without my written instructions According to 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish information relating to a consumer to any other consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-05 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:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I formally disputed inaccurate and unverified information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The following accounts contain errors and must be removed unless properly verified per federal law : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Dispute Basis & Legal Violations 1. Violation of 15 USC 1681i ( c ) ( 2 ) Block of information resulting from identity theft. Due to data breach. 2. Violation of 15 USC 1681i ( a ) ( 1 ) 30-Day Response Requirement Under this statute, you are required to conduct a reasonable reinvestigation of disputed items within 30 days. Failure to meet this requirement mandates the immediate deletion of the disputed accounts. 3. Violation of 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to Provide Investigation Protocols If you claim the accounts were verified, I demand documentation of the investigation process, including the method, sources, and the name of the party who verified the information. Simply stating an item was verified without proof is a violation of my rights under the FCRA. 4. Violation of 15 USC 1681i ( 2a ) ( 5 ) ( B ) Improper Reinsertion of Previously Deleted Items If any of these disputed accounts were previously removed but reinserted, you must provide written notice within five business days of reinsertion, per FCRA guidelines. If you can not comply, the accounts must be permanently deleted. Request for Immediate Resolution If you can not substantiate these accounts with documented, verifiable proof from the original creditor, you must promptly remove them from my credit report per FCRA 1681i ( a ) ( 5 ) ( A ).

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 2025-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
this account as open XX/XX/year> fraudulently I told them this however they never closed it and it keeps hitting my credit score plus is still reflecting and I'm getting charged for this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
Subject : Unfair Banking Practices Denial of Service at TD Bank Complaint : On XX/XX/XXXX around XXXX I visited the TD Bank branch at [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX to open a new bank account. I provided my valid, government-issued [ drivers license ] as identification. The bank employees, including the manager, claimed my ID was fake, despite it being legally issued. I was then required to provide a second form of identification, which I did by retrieving my passport. Even after doing so, I was still denied service to open a bank account without a clear explanation. 

I found this experience extremely concerning and disheartening. I have never had my ID questioned at any other financial institution, and I have no criminal record or history of fraud. I believe I was treated unfairly and subjected to an unreasonable level of scrutiny. 

I am requesting an investigation into this incident, as I believe TD Banks actions were unjustified and possibly discriminatory. I would like a formal response addressing why I was denied service despite providing valid identification and what steps will be taken to prevent similar incidents. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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:
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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I had helped my cousin XXXX XXXX with this property about XXXX  years when he was going to sell the property he asked for my permission since it was under both of our names the problem is that he never sold it he fraudently changed the property under my name only and let it foreclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I had helped my cousin XXXX XXXX with this property about XXXX years when he was going to sell the property he asked for my permission since it was under both of our names the problem is that he never sold it he fraudently changed the property under my name only and let it foreclosed.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I had helped my cousin XXXX XXXX with this property about XXXX  years when he was going to sell the property he asked for my permission since it was under both of our names the problem is that he never sold it he fraudently changed the property under my name only and let it foreclosed.

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 2025-03-05 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: KY

Complaint narrative:
I am writing to formally file a complaint regarding an issue with my credit report and the refusal of a credit bureau to delete certain charged-off debt items, despite the issuance of a 1099-C ( Cancellation of Debt ) under event codes 6 and 7.

The 1099-C issued included event code
s 6 and 7, which indicate that the creditor has canceled the debt and has reported it as such to the IRS. This cancellation should result in the removal of the associated charged-off debt from my credit report. 
However, despite this, they has refused to delete the charged-off item from my credit report. The debt remains as a negative item, continuing to impact my credit score.

I have attempted to resolve this matter by contacting them directly but they have refused to remove the item. 
I am requesting that the CFPB take the following actions : Investigate the refusal of the credit bureaus to delete the charged-off debt in question. 
Ensure that the credit bureau complies with reporting requirements concerning debts that have been canceled and are no longer owed, per IRS guidelines. 
Provide me with any necessary steps to escalate the matter if the credit bureau continues to refuse to remove the inaccurate 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 non-monetary relief
Consumer complaint received 2025-03-05 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PROVIDENT FINANCIAL SERVICES, INC.
State: NJ

Complaint narrative:
On XX/XX/year>, I contact customer service to get information on why my account is still on hold and blocked. I was put on hold for XXXX minutes, at which I was transferred to the Provident Bank branch in XXXX XXXX XXXX XXXX. I began to speak to the branch manager trying to get reason why my account is still frozen. He stated that my account is under investigation from the fraud department because I logged into my online banking and app, and for XXXX XXXX transactions. The branch manager became very agitated and aggressive because I was asking questions about this issue. He said to me that hes not going to continue to talk to me about my issues about my account and that people like me dont deserve to bank with his financial institution. The branch manager is rude and racist, he discriminated against me and is very prejudicial towards me because of my race and ethnicity. The assistant manager was also rude and said to me that she doesnt care that I file a complaint with CFPB regarding their behavior and attitude towards me and to leave their branch when I went to pick up my money in my account in person since I couldnt use the debit card. The branch manager then said that they will close my account because I withdraw my money. I called customer service again after this terrible experience and I filed a complaint with customer support with Provident Bank about my interactions with the branch manager and the assistant manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TomoCredit Inc.
State: OH

Complaint narrative:
Tomoboost which is a division of the tomo credit card, will not cancel the subscription that was originally signed up for. I have emailed countless times, they will not accept a phone call, this ive blocked the company from charging my credit card, they change their merchant number to get past the block! This was confirmed by XXXX  who is continually blocking the charges. Theyve charges me countless times in the last year+ and we cant get it canceled no matter what I do!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Inaccurate inquiries on my Credit Report. 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 explanation