vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this formal complaint against TransUnion LLC regarding a series of unauthorized and unrecognized credit inquiries that appeared on my TransUnion credit report. 
I have never applied for credit or authorized any lender or broker to access my credit file on the following dates : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not initiated or approved by me, and I have no existing relationship with these entities. Their presence suggests potential identity theft or unauthorized access to my personal information. 

Under the Fair Credit Reporting Act ( FCRA ) 1681b, a consumer reporting agency may only furnish a credit report to a party with a permissible purpose. Since no such permissible purpose exists in this case, TransUnion is in violation of the Act for allowing these inquiries to remain on my file.

I have already taken steps to verify my identity and have not found any corresponding loan or credit applications related to these entities. Therefore, these inquiries are not valid and should not be associated with my credit history.

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 2025-11-10 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: SC

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: SC

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this dispute with Experian regarding the following accounts : CHARGED OFF [ Insert Account Name ], [ Insert Account Number ], [ Insert Account Date ], [ Insert Balance ] INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX 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 explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am submitting this complaint regarding Capital Ones handling of charges on my credit card account ending in XXXX, which I believe constitutes a violation of Regulation Z ( 12 CFR 1026.52 ) and involves misleading customer service guidance. 
Since XX/XX/XXXX, Capital One has attempted to collect approximately {$1600.00} in charges on a credit card with a {$300.00} credit limit, related to a XXXX XXXX  spanning from late XX/XX/XXXX to XX/XX/XXXX. These charges exceed the cards limit and were assessed without my opt-in for over-limit transactions, in direct violation of Regulation Z. 
Throughout the rental period, I made weekly payments directly to XXXX. If I had failed to do so, XXXX would have documented that in the rental contract. The total amount authorized by XXXX matches the original amount posted to my Capital One statement, indicating no additional charges should have been incurred. 
Capital One representatives advised me to file a fraud dispute, which was inappropriate given that the rental was valid and used. I recently learned that there are other types of disputes, such as payment disputes or credit balance disputes, which would have been more suitable. This misinformation delayed resolution and caused significant XXXX. 


I appreciate your attention to this issue and look forward to a prompt resolution. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have called every phone number available to reach a customer representative to close account. There is always over an hour wait and no one ever comes online. There is no other way to close this since it is an online bank!

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 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report shows collection accounts that I believe contain inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate credit report. I am requesting a review of these accounts, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Jim Bottin Enterprises, Inc
State: MI

Complaint narrative:
Client contacted XXXX XXXX - XXXX XXXX ' in XXXX of XXXX to cancel membership. XXXX XXXX continued to extract money despite all requests to end membership. 
In XXXX of XXXX, bank-issued card expires. Client discovers that XXXX XXXX has been pulling money directly from the routing number. 
Client visits bank to block all attempts to withdraw money by XXXX XXXX. 
XXXX attempts to re-enroll an annual membership account without verification and attempts to withdraw appx {$200.00} from the checking account. The withdrawal is blocked. 

In XX/XX/year>, client begins receiving dozens of phone calls, letters, emails, debt threats from parent company : XXXX XXXX XXXX XXXX regarding this account. 
Client contacts the local club regarding cancellation, club claims all members are required to cancel memberships in-person if within a certain distance of the club, solicits a new contract with client information pre-filled. 
Client contacts XXXX XXXX XXXX, who state client account and all information within can not be verified, therefore proving members can not be held liable for location. 
Client issues a Better Business Bureau complaint hoping to resolve the case. BBB complaint goes unresolved, club did not respond to the complaint. 

In XX/XX/year>, client begins receiving calls from debt collection agency regarding debt owed to XXXX XXXX. Debt collection agency refuses to drop the client case. 

Neither XXXX XXXX XXXX XXXX, nor XXXX XXXX XXXX can prove if a member is active or inactive. 
Neither XXXX XXXX XXXX XXXX, nor XXXX XXXX XXXX has sought to resolve this client dispute. 
XXXX XXXX has an application-based check-in system. Club members check-in to the gym via smart devices. Thus not only proving member activity through app usage, but also via device location data. 
Any and all data in this dispute will clearly demonstrate this client was not an active member at XXXX XXXX XXXX XXXX in XX/XX/year>, nor a willing annual contract enrollee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: IL

Complaint narrative:
I am submitting this dispute statement regarding the following charged-off accounts, inquiries, and late payments that appear on my credit report. I request a thorough investigation of these accounts to ensure they are accurate and compliant with the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts : XXXX XXXX Acct : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Acct XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$780.00} XXXX XXXX XXXX Acct : XXXX, Date Opened : XX/XX/XXXX, Balance : {$810.00} XXXX XXXX XXXX Acct XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXXXXXX XXXX Acct : XXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} XXXX  Acct : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX  XXXX Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX Late Payment : XXXX Acct : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am filing this complaint regarding one account on my credit report that is inaccurately showing multiple late payments. According to Experian 's records, several payments are marked as late, but I can confirm that these payments were made on time and in full. This incorrect reporting has caused significant harm to my credit score and misrepresents my payment history.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a consumer filing this complaint to correct inaccurate and potentially incomplete information appearing on my Experian credit report. Certain entries do not appear to meet the standards of accuracy required by the Fair Credit Reporting Act. Under FCRA 607 ( B ) and 611, I request verification, correction, or deletion of the items below if they can not be validated. 

CHARGED-OFF ACCOUNTS UNDER DISPUTE ( No charged-off accounts listed for EX ) INQUIRIES UNDER DISPUTE XXXX XXXXXX/XX/year> LATE PAYMENTS UNDER DISPUTE 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 2025-11-10 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: AL

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
This eMail was sent ( and received ) by XXXX XXXX, President/CEO, TD Bank XXXX XXXX XXXX, Ive had XXXX with TD Bank since 1997. My wife also has accounts with XXXX. 
In late XXXX, I made a final payment on a home equity loan ( account ending in XXXX ). Receipt of the {$1000.00} payment was acknowledged by your XXXX XXXX, XXXX XXXX XXXX, along with closing costs of {$100.00} ( paid ). Aside : somehow the XXXX fee of {$100.00} had accrued interest of {$2.00} from XXXX XXXX. 
A copy of XXXX XXXX XXXX XXXX letter is attached. Bank XXXX XXXX confirmed the {$1000.00} check was paid on XXXX XXXX ( I have the canceled check ). 
On XXXX XXXX, in checking my on-line accounts. The XXXX account still showed me owing {$1000.00} plus an additional {$30.00} ( late fee? ). I sent a message through your AI portal asking why. The reply I was received was typical AI when it cant answer a question -- -in this case, call billing. 
On XXXX XXXX, I also received a phone call from XXXX of your bill XXXX. Very aggressive ( to XXXX XXXX of rudeness ) interrogating me of when I was going to pay the overdue {$1000.00}. Discussion was near impossible with this person ( I see why you hired her ), but I finally read XXXX XXXX letter to her. Her response : Oh. After a few more exchanges, she transferred me to your billing department, XXXX. After some discussion, XXXX finally went to my account. Her response : Oh, there it is. I wonder how Collections was told that you hadnt paid it? 
On XXXX XXXX, I received a Late Notice for the {$1000.00}, and a threat that if I didnt pay up TD would contact credit bureaus and this could affect my credit rating. Note -- -this warning was 23 days -- -over XXXX weeks -- - AFTER TD had cashed my check for {$1000.00}. 
On XXXX XXXX, I received another invoice from TD Bank claiming I still owed you {$1000.00}. 
On XXXX XXXX, I received a letter from your assistant ( Hope AVP, Customer Experience Advocate ) confusing the issue further by saying that the {$1000.00} paid on XXXX XXXX had been put into an unapplied portion of my account until the remaining {$100.00} was paid. So, in essence, given all of the above actions by TD, my money was in never-never land? 
________________________________________ I can provide all copies of correspondence for the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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 am submitting this complaint regarding inaccurate and unverified information being reported on my Equifax credit file. 

Specifically, Equifax is reporting the following accounts and information that I am disputing : XXXX XXXX Account XXXX. XXXX * * * * Reported as Charged Off dated XX/XX/XXXX XXXX XXXX XXXX Account No. XXXX * * * * Reported as XXXX XXXX dated XX/XX/XXXX XXXX XXXX Account XXXX. XXXX * * * * Showing XXXX XXXX history I do not believe these accounts are being reported accurately or fairly. I have not received any documentation that verifies the complete details of these debts, the charge-off status, or the accuracy of the reported payment history. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to request an investigation and to have unverifiable or inaccurate information removed or corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed 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 explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
On XX/XX/year>, I submitted a check in the amount of {$560.00} via mobile deposit on the Current app. Prior to doing so, I read the terms and conditions regarding acceptable checks and what was not acceptable. My check met all of the criteria for what was acceptable. As instructed by the app, I endorsed the check with my signature and wrote Current/Mobile Check XXXX underneath. The following day, I get a notification that my check was denied. I then contacted Current and was told that they could not contact the issuer of the check to verify its validity. The check was issued by the State of California, which is the same issuer as my direct deposits that are accepted into my Current account regularly. I then called and spoke with a supervisor named XXXX. I asked if I could deposit my California State tax refund check via XXXX XXXX and was assured that yes, I could. So I asked her exactly how that check would be verified as it would be the same issuer as the check that I was just denied. Her only response was that they are just following a protocol and have no authority to override the system which is solely responsible for Current transactions. I then asked if they were FDIC insured and was told that yes, they are. And asked her if there was anyone else I could speak with who had knowledge of the terms and conditions, which contain several uses of the term at our discretion because there is no room for discretion when everything is run solely by the system. She said that there is no one above her that I could speak with and had no employee identification number or anything else for me.

Company response to consumer: Closed with explanation