vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: FL

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 identity 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 XXXX, 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 XXXX 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. XXXX ( a ) ( XXXX ) ( 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. CXXXXe XXXXb outlines the permissible purposes 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. CXXXXe XXXX XXXXXXXX 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 XXXX business days after the date of receipt. 

15 U.S. CXXXXe XXXX Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
A payment was made to me for {$400.00} on XXXX XXXX for a XXXX  chair that was made in person. The payment never received my cash app account or banking account, despite the sender also contacting them and providing extensive screen shots and communication. Cash app can not explain where this payment went and why I did not receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have made numerous attempts to contact Experian customer service through multiple phone numbers found online, including their general and technical support lines. Each time, I am directed through an endless loop of automated options that never lead to a live representative. I am currently locked out of my Experian online account and unable to access or unfreeze my credit. The automated system provides instructions to unlock my account, but those steps do not work. I need direct assistance from a live agent, yet there is no accessible way to reach one despite repeated efforts. As of today ( XX/XX/year> ) this remains unresolved. The inability to reach a human being for critical credit access is completely unacceptable and may even border on unlawful. Experian is effectively denying me control over my own credit data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: COLUMBIA BANKING SYSTEM, INC.
State: NJ

Complaint narrative:
XXXX bank continuously declines debit card usage with no explanation! They have literally cut my bank card access while out of state on vacations multiple times. Complete nightmare when you go XXXX use your funds XXXX they are there but your debit card is not working. I have even filled out vacation forms letting them know dates of travel XXXX  this issue is still ongoing. Ive been out multiple times either running errands or just simply dining XXXX  my card has been cut off. No warning. No fraud prevention. Even going into the branch does nothing. This has happened way too many times. Even when they send the authorization text XXXX your phone XXXX make sure its you. You can literally respond yes I made those charges verify all transactions XXXX yet the process isnt helpful whatsoever! They cant always turn your debit card back on. XXXX system that does nothing. If its a Saturday you are out of luck until Monday. No access to your money via debit. They will literally leave you stranded. Disgusting. Going XXXX another bank immediately. They have apologized too many times. No results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: SANTANDER HOLDINGS USA, INC.
State: DC

Complaint narrative:
I do not have an auto loan with this creditor. They have a bad inquiry on my Credit report that I requested the to remove via phone several times since 2023. Ive also sent credit dispute letters to all 3 major bureaus and to the Dealership. They have not removed these inquiries or responded properly. This is hurting my score and is not accurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: EQUIFAX, INC.
State: NH

Complaint narrative:
Dear CFPB Officer, I am writing to formally * * escalate CFPB Complaint # XXXX * * regarding the inaccurate and inconsistent credit reporting of my * * XXXX XXXXXXXX XXXX XXXX XXXX  ) * * account across the major credit bureausspecifically * * Equifax * XXXX. 

-- - # # # Issue Summary : In my original complaint, I reported that XXXX XXXX XXXX  was : - Showing * * inaccurate Date Last Active * * and * * term length ( 0 months ) * * on Equifax, which contradicts both XXXX  and XXXX  ( both report 76 months ). 

-- - # # # CFPB Complaint Outcome ( Equifax Response ) : While Equifax did delete one collection account ( XXXX XXXX ) * * they refused to make any changes to the XXXX XXXXXXXX XXXX tradeline * *, claiming : XXXX " Equifax verified that this item belongs to you. Equifax verified that this item is reported correctly. '' This is inaccurate and unacceptable. It ignores : - Clear * * payment history inconsistencies * * across the three bureaus - My submission of documentation showing Equifax is the * * only bureau reporting delinquencies * * - The fact that * * Experian already acknowledged discrepancies * * on the XXXX account in their response to * * CFPB Complaint # XXXX * * -- - # # # Violations of the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX and Equifax appear XXXX be in violation of : - * * 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) * * Duty to furnish accurate and complete information.

- * * 15 U.S.C. 1681s-2 ( b ) * * Requirement to correct and delete inaccurate or unverifiable data after a dispute.

- * * 15 U.S.C. 1681e ( b ) * * Obligation of credit reporting agencies to ensure maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
I Filed a dispute on XXXX  denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company XXXX. They alleged company of accepting unreliable information, failure to notify consumers dispute results. This aligns well with my situtaion. XXXX  has not attempted to remove, nor correct any information. Im sure requesting this derogatory remark be removed or corrected immediately as its affecting my chances of getting any loan services. XXXX  violated my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CL Holdings LLC
State: SC

Complaint narrative:
I Filed a dispute on XXXX  denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company XXXX. They alleged company of accepting unreliable information, failure to notify consumers dispute results. This aligns well with my situtaion. XXXX  has not attempted to remove, nor correct any information. Im sure requesting this derogatory remark be removed or corrected immediately as its affecting my chances of getting any loan services. XXXX  violated my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am filing a complaint regarding inaccurate information reported by TD Bank N.A. on my credit reports with XXXX XXXX XXXX XXXX, and I am requesting the complete removal of this account due to unverifiable and incorrect information. 

On XX/XX/year> ( XXXX  ), XX/XX/year> ( XXXX  ), and XX/XX/year> ( XXXX  ), I noticed that TD Bank N.A. reported a closed credit card account with multiple inaccuracies across all three credit bureaus. The account was reported as closed due to inactivity and canceled by the credit grantor, but the following details are incorrect and inconsistent : 1. * * Past Due Amount and Payment Status * * : The report shows a past due amount of {$300.00} and a " Late XXXX  Days '' payment status across all bureaus as of the last reported dates ( XX/XX/year> for XXXX  and XXXX, XX/XX/year> for XXXX  ). This is inaccurate because I made my last payment on XX/XX/year>, and the account was closed with a {$0.00} balance, as confirmed by the balance reported on the same credit reports. 

2. * * High Credit Discrepancy * * : XXXX  and XXXX  report a high credit of {$8100.00}, while XXXX  reports {$2000.00}. The correct high credit should be {$2000.00}, as this matches the credit limit reported by XXXX  and XXXX. The {$8100.00} figure is unverifiable and inconsistent. 

3. * * Credit Limit Discrepancy * * : XXXX  reports a credit limit of {$0.00}, while XXXX  and XXXX  report {$2000.00}. The correct credit limit is {$2000.00}, as this was the limit on the account before it was closed. The {$0.00} reported by XXXX  is inconsistent and incorrect. 

The credit reports also note an ongoing dispute with the comment " * * CONSUMER STATEMENT * * ITEM IN DISPUTE BY CONSUMER. '' I initiated a dispute with TD Bank N.A. and the credit bureaus prior to XX/XX/year> to address these inaccuracies, specifically the incorrect past due amount and late payment status. However, I was never contacted by TD Bank N.A. or the credit bureaus about the resolution of this dispute. I later learned that TD Bank N.A. reported the dispute as resolved, but I disagree because the inaccuracies remain on my credit reports as of XX/XX/year>, and I was not informed of any resolution or actions taken. 

I have taken the following actions : - I reviewed my credit reports on XX/XX/year> ( XXXX  ), XX/XX/year> ( XXXX ), and XX/XX/year> ( XXXX  ) and identified these errors. 
- I previously disputed the incorrect past due amount and late payment status with TD Bank N.A. and the credit bureaus before XX/XX/year>, but I have not received any communication about the outcome. 
- I am now escalating this issue to the CFPB because the inaccuracies persist, and I was not properly notified of the dispute resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: NM

Complaint narrative:
I received an alert from XXXX XXXX that a hard inquiry had been made into my credit for a new credit card, which I did not request or authorize. At XXXX and XXXX I also received two phone calls and voicemails from two different people in XXXXXXXX XXXX XXXX with a XXXX area code claiming to be from XXXX XXXX asking me to call them back with the number on my card. The inquiry also claims to be XXXX XXXX  however the address listed is what looks like an empty lot in XXXX ( according to XXXX maps ) the address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX Georgia, XXXX. And the phone number listed with it is ( XXXX ) XXXX, which sounds like a fax machine when called. I called Equifax and they told me the inquiry was made through XXXX XXXX, that they could not take the inquiry off my report and to call the bank. I did so and was on hold and transferred to multiple different departments, then ultimately hung up on by the hold bot without anyone able to pull up the application to cancel it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
This is a follow-up complaint regarding inaccurate and potentially improperly verified charge-off entries that remain on my XXXX, XXXX, and Equifax credit reports. Specifically, the following accounts are involved : XXXX XXXX  XXXX ( Account Number : XXXX ) charged off on XX/XX/XXXX, and XXXX XXXX XXXX  ( Account Number : XXXX ) charged off on XX/XX/XXXX. 

These charge-offs have had a severe negative impact on my credit profile, leading to significant financial setbacks, including higher interest rates and limited access to credit. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 15 U.S.C. 1681n, credit bureaus are required to conduct a reasonable investigation into disputed items within 30 days, ensuring that only accurate and fully verified information is reported. This includes obtaining original account-level documentation from the data furnisher to confirm the accuracy and completeness of the reported information. However, it appears that these accounts may have been verified using automated or superficial methods that fail to meet the rigorous standards set forth by federal law, potentially exposing my personal information to further inaccuracies and financial harm. 

Given the widespread issues surrounding data breaches and unauthorized access to consumer information, it is critical that these charge-offs be thoroughly investigated, and any unverifiable or inaccurate information promptly corrected or deleted. Failure to do so constitutes a clear violation of my consumer rights under the FCRA and exposes the credit bureaus to potential legal and regulatory consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: KS

Complaint narrative:
I've complained twice about concora credit.nothing got resolved. I understand we don't any protection now from these credit card companies who want to constantly overcharge people and mess up their accounts. I just received a letter telling me that my complaint was not right. They told me that they tried to take the payment but it was returned. My account would have shown that. It did not. What happened was they reversed my payment then charged me a late fee. I would love for someone to tell me who I can have look into this matter. Because the complaints I've made went no where. I've even sent screenshots as proof and I'm still wrong magically. Just disgusting!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC
State: CT

Complaint narrative:
I am submitting this complaint because I am being pursued by Revco Solutions for an alleged charged-off auto loan originally issued by XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX has already confirmed that it no longer services the loan and has transferred it to a trusted partner, which I now understand to be Revco Solutions.

Revco sent me a collection notice dated XX/XX/XXXX, attempting to collect a balance of {$1600.00}, but they have not provided validation despite my written dispute and request under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). Furthermore, XXXX still holds the lien on the associated vehicle, which severely restricts my ability to register or use my property, while Revco attempts to collect without owning or controlling the collateral.

This creates a conflict in authority : XXXX retains the lien but claims to no longer manage or collect on the loan.

Revco is collecting the charged-off debt but has not validated ownership or their right to enforce the debt.

Their continued collection activity without adequate proof may violate the FDCPA, especially 1692e ( false or misleading representation ) and 1692f ( unfair practices ). 

Additionally, I cite Green v. Portfolio Recovery Associates, LLC ( Va. Ct. App., Feb. 20, 2024 ), where the Virginia Court of Appeals ruled that a debt buyer lacked standing because it failed to prove ownership of the debt. In my case, Revco likewise has not demonstrated it owns or has been legally assigned the debt.

I am requesting that Revco : Immediately cease collection efforts unless they can validate ownership and legal standing ; Correct or delete any negative credit reporting related to this account ; And that XXXX be directed to either release the lien or provide documentation explaining why they retain it if they no longer collect or service the loan.

Company response to consumer: Closed with non-monetary relief