vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 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: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning fraudulent accounts that have appeared on my consumer credit reports. Upon reviewing my report, I have discovered several accounts which I do not recognize and believe to be the result of identity theft and fraud. The affected accounts are associated with the following companies and account numbers : TD BANK USA TARGET CRED {$1300.00}. I have not authorized or opened any of these accounts, leading me to believe that my identity has been compromised. Furthermore, I have numerous notations from credit reporting companies that my information was discovered on the dark web. In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that these fraudulent accounts be immediately removed from my consumer credit reports. Additionally, I ask that all collection activities related to these accounts be halted. I kindly ask that appropriate actions be taken to investigate these accounts and remove them from my credit reports as soon as possible. Furthermore, I would appreciate being informed of any steps I can take to expedite the removal process. Thank you for your attention to this matter, and eagerly anticipate your assistance in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: IN

Complaint narrative:
Unauthorized Hard Inquiries on My Credit Report Dispute Ignored by Credit Bureaus Complaint Description : I am submitting this complaint regarding multiple unauthorized hard inquiries that are currently listed on my credit reports with Experian, Equifax, and TransUnion.

I never authorized these inquiries and I believe they were either made in error or without my consent. Following the dispute process under the Fair Credit Reporting Act ( FCRA ), I sent formal dispute letters to each of the three credit bureaus explaining that I do not recognize these inquiries and requesting their immediate removal. 

Despite my request and providing supporting documentation, the inquiries remain on my reports, and I have not received a proper resolution or explanation from the bureaus. 

These inaccurate inquiries are negatively affecting my credit score and financial credibility, and I am requesting the CFPBs assistance to ensure that these are fully investigated and removed if they are found to be unverifiable or unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: IN

Complaint narrative:
Unauthorized Hard Inquiries on My Credit Report Dispute Ignored by Credit Bureaus Complaint Description : I am submitting this complaint regarding multiple unauthorized hard inquiries that are currently listed on my credit reports with Experian, Equifax, and TransUnion.

I never authorized these inquiries and I believe they were either made in error or without my consent. Following the dispute process under the Fair Credit Reporting Act ( FCRA ), I sent formal dispute letters to each of the three credit bureaus explaining that I do not recognize these inquiries and requesting their immediate removal. 

Despite my request and providing supporting documentation, the inquiries remain on my reports, and I have not received a proper resolution or explanation from the bureaus. 

These inaccurate inquiries are negatively affecting my credit score and financial credibility, and I am requesting the CFPBs assistance to ensure that these are fully investigated and removed if they are found to be unverifiable or unauthorized.

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am making a home purchase and my lender is unable to access my credit report, there is currently no Freeze, unsure why the credit bureau will not let them access my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX Balance : {$600.00}, XXXX XXXX XXXX XXXX Balance : {$470.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$280.00}, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/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 BANK XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX Balance : {$600.00}, XXXX XXXX XXXX XXXX Balance : {$470.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$280.00}, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/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 BANK XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-12 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: NJ

Complaint narrative:
Upon me looking at my credit report i noticed that there are accounts that are on my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: NJ

Complaint narrative:
Upon me looking at my credit report i noticed that there are accounts that are on my credit reports

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 2025-04-12 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: IL

Complaint narrative:
I am writing to formally request a reinvestigation of the XXXX XXXX XXXX account currently being reported on my credit file that I have previously disputed. Despite my prior request, the company in question has failed to provide proper debt validation or any supporting documentation as required under the Fair Debt Collection Practices Act ( FDCPA ). 

A complaint regarding this matter has already been filed with the Consumer Financial Protection Bureau ( CFPB ), as the furnisher of the information has not substantiated the alleged debt or demonstrated their authority to report it to your agency yet, Experian alleges the debt meets the FCRA requirements ( see attachments ). 

Additionally, I would like to bring to your attention the recent lawsuit filed by the CFPB against Experian, which highlights failures in properly investigating consumer disputes and in providing accurate and transparent information. In light of these developments and my existing complaint, I urge Experian to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ) and conduct a thorough reinvestigation of the disputed 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 2025-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Hello I made this account because I'm trying to report what I believe is identity theft. I got a call from this number, XXXX, saying they are credit collection services and that they wanted my name and number to get to my account. I told them I don't know who they are and I don't have an account. I requested to email them about possible fraud but was declined. I believe I exposed my social security to someone on XXXX leasing an apartment as he told me to follow his links to XXXX credit report agencies approximately in XX/XX/year>2024.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a 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 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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a 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 inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax failed to remove all inquiries and phone numbers and old addresses, Accounts that Is not my credit Accounts open my me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX DOB : XX/XX/XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute Immediate Removal of Inaccurate Mortgage Account Reporting To Whom It May Concern, This letter serves as a formal dispute and demand for immediate removal of inaccurate information being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i. The mortgage account under XXXX, with the masked number ending in XXXX, is reported inconsistently across all three credit bureaus, and the discrepancies outlined below constitute a breach of your legal obligations to maintain accurate and consistent data.

Additionally, this account is falsely reporting multiple late payments. I have never missed a payment on this mortgage account, and the presence of any derogatory payment history is completely inaccurate and unlawful. These late marks must be removed immediately.

Field TransUnion Experian Equifax Account Status Closed Paid Paid Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Payment Status Late 120 Days Late 120 Days Late 120 Days Balance {$0.00} {$0.00} {$0.00} Past Due {$0.00} {$0.00} {$0.00} Last Reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These discrepancies are materially harmful and misleading. For example, the account shows as 'Closed ' on TransUnion while marked 'Paid ' on the others. The opening dates are also inconsistent, and more egregiously, all three bureaus continue reporting 'Late 120 Days ' despite the balance being {$0.00} and the account marked as resolved.

This constitutes inaccurate and outdated information under the FCRA. I am demanding the immediate and permanent removal of this mortgage account from all three credit bureaus. If not removed within 15 calendar days of receipt of this notice, I will proceed with the following actions : - File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) - Submit a complaint to the Florida State Attorney General - Initiate legal proceedings for statutory and punitive damages due to willful noncompliance This letter and any attachments are being retained for legal documentation purposes. I expect a formal response and evidence of immediate and permanent removal within 15 days. Govern yourselves accordingly. 
Sincerely, 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 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have attempted to use PayPal credit via PayPal with XXXX different merchants ( XXXX, XXXX, and XXXX ). I HAVE XXXX pending transactions due to me trying REPEATEDLY to use the account that I applied for and got approved for. I AM VERY DISAPPOINTED, FRUSTRATED, DISGUSTED, ANGRY, and IRRITATED. Per XXXX, supervisor with the PayPal credit customer security team, there is no way to know when I can use the PayPal credit account nor do they know the merchants I can use the PayPal credit account. Also, he says he is unsure when I will be able to use the credit account being that it's up to PayPal to decide if they want to pay the transaction or not. THAT IS NOT what I applied for. THAT IS WHAT PAYPAL SAYS ON THIER WEBSITE FOR PAYPAL CREDIT : " PayPal Credit is an open end ( revolving ), reusable line of credit thats built into your account with PayPal. With PayPal Credit, you can enjoy the flexibility to pay over time for everyday purchases. Its easy to apply, easy to use, and there whenever you need it. '' No where in that statement says when they feel like it or when they want to approve it. I would like a member of senior management to pull ALL calls from the XXXX through XXXX and a phone call to discuss my account. I should be able to use this account when I want as long as the merchant accepts PayPal. I want an apology from XXXX in the credit customer security team and PayPal. I WANT A PHONE CALL BY THE MOST XXXX XXXXXXXX AND A FIX TO THE ISSUES I AM HAVING WITH MY PAYPAL CREDIT ACCOUNT.

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 2025-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
A collection account from Aldous & Associates is being incorrectly reported on my credit report. The account is related to an old XXXX XXXX membership that went delinquent around XXXX, when I was XXXX or XXXX XXXX XXXX. 

The Fair Credit Reporting Act states that negative information can not be reported more than 7 years after the original date of delinquency. However, this agency opened a new collection account on XX/XX/XXXX and has continued to report updates, most recently on XX/XX/XXXX, effectively re-aging the account and keeping it on my report illegally. 

I have previously disputed this account with the credit bureaus, but it has not been removed. The original date of delinquency is well over 7 years ago, and this account should have aged off by now. 

This is an illegal attempt to re-age a debt and extend the reporting time, which is a violation of the Fair Credit Reporting Act. I am requesting immediate removal of this account from my credit reports and a full investigation into this re-aging practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FEDChex Recovery, LLC
State: MI

Complaint narrative:
Charged an attempted to collected debt due to identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
Company Name : Aldous & Associates , PLLC Account Type : Debt Collection Complaint : On XX/XX/year>, I submitted a written complaint to Aldous & Associates , PLLC requesting they cease all contact regarding a debt they claim I owe related to XXXX XXXX. I have never been a member of XXXX XXXX, have never visited any of their locations, and have never signed up for any services with them. I am completely unfamiliar with the gym and firmly believe this is the result of identity theft or a breach of personal information. 

Despite my written dispute, this alleged debt was placed on my credit report without proper validation or verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : Failing to validate the debt as required under 15 U.S.C. 1692g Continuing collection efforts after a written dispute Reporting disputed, unverified debt to credit bureaus in violation of 15 U.S.C. 1681s-2 I demand this account be immediately removed from my credit report and all collection efforts cease immediately. I also request that this complaint be reviewed for compliance violations and necessary enforcement actions be taken against Aldous & Associates , PLLC.

Company response to consumer: Closed with explanation