vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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.

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX * * * * * * date opened XX/XX/XXXX bal. {$10000.00}, XXXX XXXX XXXXXXXX Account XXXX XXXX * * * * date opened XX/XX/XXXX bal. {$10000.00}, XXXX XXXX XXXX  Account # XXXX * date opened XX/XX/XXXX bal. {$3500.00}, XXXX XXXX Account # XXXX * XXXX XXXX * date opened XX/XX/XXXX bal. {$2200.00}, XXXX Account # XXXX * * * * date opened XX/XX/XXXX bal. {$310.00}, XXXX XXXX XXXX  Account # : XXXX * * * * * * date opened XX/XX/XXXX bal. {$0.00}. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-18 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: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
This correspondence supplements CFPB Complaint No. XXXX, submitted on XX/XX/year>, regarding a compromised TD Bank credit card account involving unauthorized transactions. 

Despite notifying TD Bank in writing on XX/XX/year>, that the account was compromised and explicitly requesting its immediate closure, I have received a letter dated XX/XX/year>, stating that a minimum payment is due. This demand is inappropriate and inconsistent with federal consumer protection laws, as no payment should be due on an account under active fraud investigation. Additionally, the account remains open, contrary to my written request and the requirements set forth under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666.

Under the FCBA and Regulation Z ( 12 CFR 1026.13 ), card issuers are required to investigate billing disputes involving unauthorized charges when properly notified and must refrain from collecting disputed amounts or reporting them as delinquent while the investigation is pending. Continuing to request payment on a fraudulent balance potentially constitutes a violation of these provisions. 

Further, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher of credit information has an obligation to report accurate information and to cease furnishing information it knows or should know is inaccurate, especially after being notified by the consumer directly and through a CFPB complaint. Failing to close the account and continuing to report an open, active balance undermines the integrity of my credit profile and may constitute negligent or willful noncompliance under 15 U.S.C. 1681n and 1681o.

For verification purposes and to aid your investigation, I am supplying an updated FTC Identity Theft Affidavit along with copies of my drivers license and Social Security card. These documents substantiate my identity and reaffirm the unauthorized nature of the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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 2025-04-17 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: IL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This complaint is based on Equifaxs reporting of a XX/XX/XXXX late payment on the following account : Creditor : XXXX XXXX Account Number : XXXX Late Payment Date : XX/XX/XXXX Bureau Involved : Equifax I submitted a formal dispute and requested that Equifax conduct a proper investigation into this negative item. However, Equifax has failed to provide sufficient documentation verifying the legitimacy of the late payment. No billing statement or due date confirmation was provided, violating multiple federal protections. 

Relevant violations include : FCRA 15 U.S.C. 1681i, 1681s-2 ( b ), 1681e ( b ) TILA and FCBA 15 U.S.C. 1637 ( b ), 1666 ( b ), 12 CFR 1026.5 ( b ) UDAAP and Regulation V 12 CFR Part 1022 Equifaxs response appears to have been automated and did not involve a meaningful reinvestigation as mandated under the FCRA, as reaffirmed in Cushman, Burke, and CFPB v. Experian ( 2025 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
15 USC 1681 Law Requires information to be reported Accurate and Complete according to the FCRA.

The Accounts listed are all inaccurate and unauthorized accounts which are a violation of my consumer rights.

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 2025-04-17 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: VA

Complaint narrative:
15 USC 1681 Law Requires information to be reported Accurate and Complete according to the FCRA.

The Accounts listed are all inaccurate and unauthorized accounts which are a violation of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 2025-04-18 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: GA

Complaint narrative:
Experian is inaccurately reporting XXXX XXXX XXXX and XXXX unpaid or open, despite both being fully paid off in 2023. This ongoing misreporting violates the Fair Credit Reporting Act ( FCRA ) and creates unnecessary harm to my credit profile. 

Details : Both the XXXX XXXX and XXXX accounts were paid in full and closed in 2023. I have disputed this inaccurate reporting directly with Experian, requesting the accounts be updated to reflect a zero balance or removed entirely if closed. Despite this, Experian continues to report outdated and misleading information.

Under the FCRA ( 15 U.S.C. 1681i ), Experian is obligated to ensure all credit report data is accurate and to conduct a reinvestigation within 30 days of receiving a dispute. Their continued failure to comply with these requirements constitutes a violation of federal law. 

Additionally, if any collection activity or communication regarding these already-paid accounts has been made by a third party, such actions may also violate the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c, which limits communication regarding resolved debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Experian is inaccurately reporting XXXX XXXX XXXX and XXXX unpaid or open, despite both being fully paid off in 2023. This ongoing misreporting violates the Fair Credit Reporting Act ( FCRA ) and creates unnecessary harm to my credit profile. 

Details : Both the XXXX XXXX and XXXX accounts were paid in full and closed in 2023. I have disputed this inaccurate reporting directly with Experian, requesting the accounts be updated to reflect a zero balance or removed entirely if closed. Despite this, Experian continues to report outdated and misleading information.

Under the FCRA ( 15 U.S.C. 1681i ), Experian is obligated to ensure all credit report data is accurate and to conduct a reinvestigation within 30 days of receiving a dispute. Their continued failure to comply with these requirements constitutes a violation of federal law. 

Additionally, if any collection activity or communication regarding these already-paid accounts has been made by a third party, such actions may also violate the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c, which limits communication regarding resolved debts.

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 2025-04-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I signed an agreement with a company named " XXXX '' ( a bathroom remodeling company ) to re-do my shower. The agreement was signed on XX/XX/XXXX. The total cost was {$10000.00}. I decided to finance this amount instead of paying at once. As part of the financing agreement, the interest was deferred 24 months from the day of signing. No interest would need to be payed as long as the {$10000.00} was paid off within 24 months ( or before XX/XX/XXXX ). I asked the XXXX representative that I entered the agreement with if the 24 month deferment would be applied to the account automatically, and they confirmed it would be applied automatically and that I did not need to reach out to anybody to set this up. I set up an auto-pay of $ XXXX to ensure the total amount would be paid off within the 24 months. XXXX is an extension of Home Depot, so the credit card was opened up with with XXXX via Home Depot. I checked the balance of the account on XX/XX/XXXX, expecting to only have a few payments left, but there was still a balance of more than {$4000.00}. I checked the last ~18 months of transactions, and realized that Home Depot has been charging me interest since XXXX XXXX. I found a copy of the signed agreement stating no interest for the first 24 months. I messaged Home Depot via the credit card account portal on XX/XX/XXXX, and they pushed me to call their customer service number, stating they could not help with this issue. I called the customer service number ( XXXX ) on XX/XX/XXXX, asking If the interest paid could be credited to the account and if the remaining unpaid interest could be removed. The initial customer service rep was not able to help with this. I was transferred to a supervisor at XXXX ( XXXX XXXX XXXX, who also stated they could not help with this. I was again transferred to another supervisor ( XXXX XXXX XXXX, who said nothing could be done about this issue because it has been more than 60 days. I asked to escalate to a level above her, but she would not allow this and stated a letter could be sent to their PO box . To date, I have been charged {$3200.00} in interest, that should have been deferred until XX/XX/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 monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: AR

Complaint narrative:
Starting in XXXXXXXX XXXX XXXX I was arrested for obstruction of justice and in jail. I was trying to get my phone from a girl who had it in her position. While I was in jail she transferred all of my social security check to her account, and continued doing so all the way to XXXX XXXX XXXX all while I was locked out of my account. I kept sending pictures of my id and selfies, and chime refused to let me in my account. When I tried filing a fraud case, they said I gave her permission. I never gave her permission.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXXThey used all the information I sent them to correct the names and address on the report saying its me I would like get a investigation

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 2025-04-17 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: CA

Complaint narrative:
What happened : I am filing a complaint regarding an account with XXXX that is being reported to the credit bureaus as a secured credit card, when in reality it is a spend card that operates more like a prepaid or charge card. This product is not a traditional secured credit card because : It does not offer a revolving credit line. 
I fund the account entirely with my own money, which is used as the limit. 
There is no formal credit extension, just a prefunded limit I can not exceed. 

By reporting this account as a secured credit card, XXXX is misrepresenting the product. This misclassification : Artificially affects my credit utilization, since it shows as a revolving account. 
Misleads lenders and credit scoring models about my credit profile. 
May violate FCRA requirements to furnish accurate and complete information. 

I submitted disputes to the credit bureaus, but I am escalating this to the CFPB because XXXX has not corrected or clarified the account type.

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