vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-22 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: VA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NJ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I became aware of inaccurate personal information on my credit report. I went through the proper channels to have them removed and updated, but Equifax credit bureau admitted this information is inaccurate but insinuated I didn't do it and went through a third party organization to submit these documents which is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I became aware of inaccurate personal information on my credit report. I went through the proper channels to have them removed and updated, but XXXX  credit bureau admitted this information is inaccurate but insinuated I didn't do it and went through a third party organization to submit these documents which is false.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I became aware of inaccurate personal information on my credit report. I went through the proper channels to have them removed and updated, but XXXX  credit bureau admitted this information is inaccurate but insinuated I didn't do it and went through a third party organization to submit these documents which is false.

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 2025-04-22 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: KS

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. 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 explanation
Consumer complaint received 2025-04-22 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: AZ

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: Experian Information Solutions Inc.
State: IL

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under 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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
Formal Dispute of Duplicated Account Reporting Violations of 15 U.S. Code 1681 ( FCRA ) I am disputing multiple accounts listed on my credit report that originate from XXXX XXXX XXXX XXXX. The same original debt has been reported by three separate collection agencies, each with a different balance and account number, which is false and misleading. This is a duplicate entry for the same debt, and it is severely damaging my credit. XXXX XXXX XXXX Reported : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX. XXXXXXXX XXXX XXXX XXXX Reported : XXXXXXXX XXXX XXXX These entries violate the Fair Credit Reporting Act ( FCRA ), which requires accurate and non-redundant information. Reporting the same debt multiple times under different amounts and agencies is deceptive and was a key issue in lawsuits previously brought against XXXX  for allowing such reporting. 
I am requesting that XXXX  immediately investigate these listings, contact the original furnisher, and remove all duplicate or inaccurate entries related to this debt. Please confirm deletion or correction within 30 days as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Formal Dispute of Duplicated Account Reporting Violations of 15 U.S. Code 1681 ( FCRA ) I am disputing multiple accounts listed on my credit report that originate from XXXX XXXX XXXX XXXX. The same original debt has been reported by three separate collection agencies, each with a different balance and account number, which is false and misleading. This is a duplicate entry for the same debt, and it is severely damaging my credit. XXXXXXXX XXXX XXXXXXXX Reported : XXXX XXXX XXXX LVNV FUNDING LLC Reported : XXXX. XXXX XXXX XXXX XXXX Reported : XXXX. XXXX XXXX  These entries violate the Fair Credit Reporting Act ( FCRA ), which requires accurate and non-redundant information. Reporting the same debt multiple times under different amounts and agencies is deceptive and was a key issue in lawsuits previously brought against XXXX  for allowing such reporting. 
I am requesting that XXXX  immediately investigate these listings, contact the original furnisher, and remove all duplicate or inaccurate entries related to this debt. Please confirm deletion or correction within 30 days as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: MD

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-22 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: FL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-22 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: TN

Complaint narrative:
Hard inquiries Experian reported XXXX Date of inquiry : XX/XX/year> Not authorized by me XXXX Date of inquiry : XX/XX/year> Not authorized by me XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/year> Not authorized by me Experian reported late payments Creditor name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Charge off amount {$8500.00} Comments LAST REPORTED DELINQUENCIES : XXXX CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR Creditor name : XXXXXXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Charge off amount : {$17000.00} Comments LAST REPORTED DELINQUENCIES XXXX XXXX CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR Creditor name : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Charge off amount- Comments LAST REPORTED DELINQUENCIES : XXXX Creditor name : XXXX XXXX Address : 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 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: CA

Complaint narrative:
My account with Huntington Bank was closed without my prior knowledge or consent. I was not notified of this account closure via email, text or any app notification/call before it occurred. Instead of transmitting the funds from my closed account electronically to my other existing bank account, Huntington Bank upon contacting the customer care says they are sending a cashier 's check. 

This method of handling my funds is unacceptable for the following reasons : Lack of Notification : The failure to inform me of the account closure beforehand demonstrates a lack of professionalism and disregard for customer communication. 

Distrust of XXXX XXXX : I prefer and rely on electronic fund transfers for security and convenience. Receiving a cashier 's check is not a trusted or efficient method for me to access my funds. 

No Access to my money : I had most of my funds with the bank and they closed it and now I don't have any money with me. 

Failure to Transfer Online : The funds were not transferred electronically to my other bank account, which would have been a more seamless and expected process in today 's digital banking environment. 

This entire process has caused significant inconvenience and raises serious concerns about Huntington Bank 's handling of customer accounts and funds. I request a thorough investigation into this matter and a resolution that involves the immediate electronic transfer of my funds to my other bank account. 

Since I can't even access my account, I no longer have the routing number nor the account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Vendor : XXXX XXXX  card issuer XXXX XXXX XXXX  I have use of a XXXX XXXX XXXX with a revolving XXXX billing cycle. 

XXXX XXXX : use of XXXX XX/XX/XXXX XXXX XXXX : ( XXXX ) payments towards balance. 

XX/XX/XXXX : XXXX statement with balance due {$150.00} XXXX date XX/XX/XXXX. 

XX/XX/XXXX : {$150.00} payment in full in store. 

XX/XX/XXXX : XXXX statement charging additional interest. ( {$2.00} ) XX/XX/XXXX : Called to complain and ask how interest can be charged on a balance already paid. I was referred to change in terms. When I requested how terms on existing purchase can change when the use of card engaged the transaction the person XXXX said it was policy. 

This does not seem legal. that a lender can create interest after the payment is made in full before the term date. 

XX/XX/XXXX : I paid {$2.00} in cash at store ( ahead of the due by date XX/XX/XXXX ). Although questioning validity. Question the law on borrowing or if this bank has violated that law. This is the XXXX time this has happened with this bank. ( XXXX yrs ago same, but the agent " acknowledged the problem as programming error '' in that instance. ) That seems more of usury.

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 monetary relief
Consumer complaint received 2025-04-22 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:
I submitted a letter to the bureau XX/XX/year> to remove unrecognized and unauthorized inquiries due to identity theft and credit bureau request an updated FTC report. Updated report attached

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 2025-04-22 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: GA

Complaint narrative:
Dear Equifax, I am writing to formally dispute certain inquiries listed on my credit report associated with my account. Upon reviewing my credit report, I noticed several inquiries that I did not authorize, and I believe they are inaccurate. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccuracies in my credit report. Specifically, Section 604 of the FCRA states that a consumer reporting agency may furnish a consumer report only for certain permissible purposes, including with the consumer 's consent. I did not provide consent for these inquiries, and I request that you investigate this matter.

The unauthorized inquiries I kindly request that you provide me with the following information : 1. A detailed explanation of the circumstances surrounding these inquiries.

2. Documentation showing that I authorized these inquiries. 

If it is determined that these inquiries were made in error or without my consent, I expect them to be removed from my credit report promptly. 

In addition, I would like to remind you of my rights under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits any false or misleading representation in connection with the collection of a debt. Any unauthorized inquiries may lead to further action, including notifying the Consumer Financial Protection Bureau ( CFPB ) and state regulatory agencies regarding this matter. 

Please respond within 30 days. I appreciate your prompt attention to this issue and look forward to your response. 

Thank you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SECURITY CREDIT SYSTEMS INC
State: NY

Complaint narrative:
this debt is part of my XXXX student loan. i do not owe the debt to this company. This company also never sent me anything in the mail they just called me multiple times over the last 3 months and the one time i called them XXXX at extension XXXX refused to provide me any information so i disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Unauthorized Charges XXXX XXXX {$260.00} XXXX XXXX XXXX  {$1.00} XXXX XXXX XXXX {$170.00} XXXX XXXX  {$36.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: NV

Complaint narrative:
Consumer Rebuttal to US BANK Respone to original COMPLAINT ID XXXX : XXXX Banks XXXX is false and misleading. I have documentation that proves I was never over my credit limit and that the card had an available balance of {$5000.00} at the time of the transactions in question. 

Facts : On XX/XX/XXXX, I attempted a {$5000.00} transaction to * XXXX XXXX. 

My available balance at that time was exactly $ XXXX I was not exceeding the limit. 

The transaction was declined. I called U.S. Bank immediately and was told by a representative : Maybe its because its exactly at your limittry {$4900.00}. 

I followed that advice. The {$4900.00} transaction was also declined. 

I called again a few days later. This time I was told : Our system is blocking it. 
When I asked why, I was given no valid reason, and the representative admitted they had no authority or visibility into why this was blocked. I asked when it would be unblocked. She said " Just use a different payment method for this always ''. This hold is still in place with XXXX explanation. 

Issues : U.S. Bank misrepresented the situation in their response. 

They falsely claim I was over the limit, when in fact I have screenshots showing sufficient available credit. 

They blocked transactions without justification, without informing me properly, and refused to provide a valid reason, despite multiple calls. 

Their system appears to be selectively blocking merchants, and their agents admitted they could not override or explain it. 

This is a breach of good faith, as I moved {$150000.00} of assets to U.S. Bank to qualify for this card. 


Requested Action : I demand a formal correction of the record in this complaint and a direct investigation into U.S. Bank 's card restrictions and merchant blocking behavior. I also want : A written explanation as to * why XXXX XXXX was blocked, even with available balance. 

Confirmation that my card will not be arbitrarily blocked from legitimate transactions moving forward. 

This situation is not resolved, and I request CFPB intervention to hold U.S. Bank accountable. 

Given U.S. Bank 's lack of transparency and refusal to provide a legitimate explanation for blocking lawful transactions despite available credit, I am deeply concerned that this practice XXXX be affecting other consumers as wellespecially those who transferred significant assets based on advertised card benefits. 

If this matter is not resolved promptly, I will consider sharing my experience through appropriate consumer awareness channels to ensure others are not misled into transferring their assets under false pretenses.

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