vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
Account balance was incorrect due to returned cellphone credit not being applied in a timely manner. was reported as late because the minimum balance due was incorrect. received a courtesy late fee back in XX/XX/year> but the incorrect reporting of the late payments were never corrected and the account was forced closed. Now, it is continuously being reported as a charge off each month, destroying my credit score with inaccurate information for over XXXX  months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: NY

Complaint narrative:
My social security number is XXXX my tran union credit report there's XXXX collections charge off accounts ending XXXX and XXXX XXXX has a balance of XXXX and other is around XXXX my complaint is that trans union XXXX to remove these collection charge off credit card it's over the state of limitations and also trash union is violating the law charge off and collections and judgment XXXX no longer supposed to report on credit report and also I have a federal trade commission report on file and also remove the XXXX credit hard inquiries 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 2025-03-07 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-07 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$26000.00} that appears related to the aforementioned personal loan account opened at 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 # ( private case number ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-03-07 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: CA

Complaint narrative:
**************** WARNING FCRA XXXX FORMAL DISPUTE OF CREDIT REPORT ERRORS DUPLICATE REPORTING & RE AGING OF ACCOUNT - FCRA VIOLATIONS XXXX XXXX XXXX XXXX XXXX XXXX, Apartment A XXXX XXXX XXXX California XXXX XXXX XXXX XX/XX/XXXX TO : CONSUMER FINANCIAL PROTECTION BUREAU XXXX CFPB ) REGARDING : 1 ) XXXX XXXX, XXXX ( original creditor : XXXX XXXX XXXX. 
2 ) XXXX XXXX ) EQUIFAX SUBJECT : FORMAL DISPUTE AND COMPLAINT of CREDIT REPORT ERRORS - DUPLICATE REPORTING & RE-AGING of ACCOUNT - FCRA VIOLATIONS Dear CFPB, I am writing to formally dispute and make a complaint of the inaccuracies on my credit reports as furnished by both Equifax and XXXX and XXXX XXXX XXXX XXXX XXXX ( original creditor : XXXX XXXX  ). 
Account XXXX. 
The information reported contains duplicate reporting, account re-aging, and multiple violations of the Fair Credit Reporting Act ( FCRA ) that require immediate investigation and correction. 

Summary of Discrepancies, Errors, and FCRA Violations Duplicate Reporting : The same account number is reported under XXXX different names, which constitutes duplicate reporting. A direct violation of FCRA 1681s-2 ( a ) : - Equifax reports XXXX account under " XXXX XXXX. '' - XXXX reports it under " XXXX ( XXXX XXXX : XXXX XXXX XXXX  ). '' This practice unfairly inflates my debt and negatively impacts my credit score by treating XXXX account as XXXX separate delinquent accounts. 

Reaging of the Account : There are inconsistent and conflicting dates reported between Equifax and XXXX, which indicate an attempt to re-age the account in violation of FCRA 1681c ( a ) ( 4 ) : 1. Date of Last Activity is inconsistent : - Equifax lists the last activity as XX/XX/XXXX. 
- XXXX lists the last activity as XX/XX/XXXX. 

2. Date of Last Payment is inconsistent : - Equifax reports the last payment date as XX/XX/XXXX. 
- XXXX does not report a last payment date. 

The first delinquency date is XX/XX/XXXX, meaning the account should fall off my credit report by XX/XX/XXXX at the latest. However, by changing the " date of last activity '' to a much later date ( XXXX ), the furnisher is attempting to re-age the account, which unlawfully extends the time it remains on my credit report. 

Other Discrepancies and Errors : - Account Status discrepancies : - Equifax lists the account as Open and in Collection/Charge-off status. 
- XXXX lists the account as Derogatory and in Collection/Charge-off status. 

PAYMENT HISTORY DISCREPANCIES : XXXX XXXX THAT I HAVE MADE 98 % OF PAYMENTS ON TIME, WHICH CONTRADICTS THEIR OWN CHARGE -OFF STATUS AND ON TIME PAYMENTS NOT REFLECTED IN THE ACCOUNT BALANCE THEREFORE I AM FORMALLY REQUESTING TO PLACE THIS ACCOUNT AS PAID. **** Sincerely, 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 2025-03-07 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: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
**************** WARNING FCRA VIOLATIONS***********XXXX FORMAL DISPUTE OF CREDIT REPORT ERRORS DUPLICATE REPORTING & RE AGING OF ACCOUNT - FCRA VIOLATIONS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TO : CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) REGARDING : 1 ) SPRINGOAKS CAPITAL, LLC ( original creditor : XXXX XXXX XXXX 
XXXX ) XXXX XXXX ) XXXX SUBJECT : FORMAL DISPUTE AND COMPLAINT of CREDIT REPORT ERRORS - DUPLICATE REPORTING & RE-AGING of ACCOUNT - FCRA VIOLATIONS Dear CFPB, I am writing to formally dispute and make a complaint of the inaccuracies on my credit reports as furnished by both XXXX and XXXX and Spring Oaks Capital , LLC ( original creditor : XXXX Bank ). 
Account XXXX. 
The information reported contains duplicate reporting, account re-aging, and multiple violations of the Fair Credit Reporting Act ( FCRA ) that require immediate investigation and correction. 

Summary of Discrepancies, Errors, and FCRA Violations Duplicate Reporting : The same account number is reported under XXXX different names, which constitutes duplicate reporting. A direct violation of FCRA 1681s-2 ( a ) : - XXXX reports the account under " Spring Oaks. '' - XXXX reports it under " SPRINGOAKCAP ( XXXX XXXX : XXXX XXXXXXXX XXXX ). '' This practice unfairly inflates my debt and negatively impacts my credit score by treating XXXX account as XXXX separate delinquent accounts. 

Reaging of the Account : There are inconsistent and conflicting dates reported between XXXX and XXXX, which indicate an attempt to re-age the account in violation of FCRA 1681c ( a ) ( 4 ) : 1. Date of Last Activity is inconsistent : - XXXX lists the last activity as XX/XX/XXXX. 
- XXXX lists the last activity as XX/XX/XXXX. 

XXXX. Date of Last Payment is inconsistent : - XXXX reports the last payment date as XX/XX/XXXX. 
- XXXX does not report a last payment date. 

The first delinquency date is XX/XX/XXXX, meaning the account should fall off my credit report by XX/XX/XXXX at the latest. However, by changing the " date of last activity '' to a much later date ( XXXX ), the furnisher is attempting to re-age the account, which unlawfully extends the time it remains on my credit report. 

Other Discrepancies and Errors : - Account Status discrepancies : - XXXX lists the account as Open and in Collection/Charge-off status. 
- XXXX lists the account as Derogatory and in Collection/Charge-off status. 

PAYMENT HISTORY DISCREPANCIES : XXXX STATES THAT I HAVE MADE XXXX  % OF PAYMENTS ON TIME, WHICH CONTRADICTS THEIR OWN CHARGE -OFF STATUS AND ON TIME PAYMENTS NOT REFLECTED IN THE ACCOUNT BALANCE THEREFORE I AM FORMALLY REQUESTING TO PLACE THIS ACCOUNT AS PAID. **** Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute an inaccurate account listed on my credit report. After reviewing my file, I discovered an account that does not belong to me, and its presence is negatively impacting my financial standing.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, unverifiable, or improperly reported. Consumer reporting agencies are required to ensure all data is accurate, fully documented, and compliant with legal reporting standards. If this account can not be verified with proper evidence, it must be removed immediately. Please investigate and provide documentation proving the validity of this account. If verification is not possible, I request its immediate removal from my report. I appreciate your prompt attention to this matter and look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 XXXX XXXX XXXX XXXX XXXX XXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I wire transfered {$21000.00} from b of a in XXXX Fl to a b of a in XXXX Utah on XX/XX/XXXX to purchase a car. 
By XX/XX/XXXX I realized I was robbed Police report # XXXX Then b of a office manager XXXX XXXX said to file a bank fraud complaint On XX/XX/XXXXXXXX XXXX XXXXXXXX After 7 phone calls where I was told I would get the {$21000.00} back, I called again on XXXX XXXX and said I have no car, it's been over 3 months!!! 
I was told after being put on hold 5 times that in 48 hours the money would be put back in my account Yesterday at XXXX XXXX I called the b of a fraud dept again, I was now told that NO my claim was denied as I was told it wasn't fraud, I was scammed XXXX XXXX XXXX has told me that the person who robbed the b of a took XXXX XXXX in 3 days from me and others. 
The police stated that, Homeland Security and the Secret Service are involved looking for this man!

Is the bank now going to tell people, no you were scammed so no one gets there money back. 
From XX/XX/XXXX till XX/XX/XXXX I was told I would get the XXXX  back Please help 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 2025-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Blockchain.com, Inc.

Complaint narrative:
I bought Bitcoin in XXXX and transferred them to a wallet on blockchain.com. Now I would like to withdraw the money ( about XXXX ) or send it to an other wallet, but I am no allowed to. I have been asked to send Information on how I purchased the Bitcoin, so I sent them the information on XX/XX/XXXX. But afterwards they didn't reply anymore and I am still not able to withdraw the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
My account was withdrawn for over XXXX dollars and was taken and transferred to my XXXX XXXX account and then transferred using bitcoin they refused to refund due to the fact that it was used on that method being waiting for the XXXX XXXX  lawsuit to get my money back plus the inconvenience lawsuit I lost my bank accounts over this and charged for the amount of XXXX and both my checking and savings were closed and charged fees I need help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: CA

Complaint narrative:
Im writing to urgently address a fraudulent account that has appeared on my credit report. This account was opened without my authorization, and its the result of identity theft. I have not opened this account, and I am incredibly concerned about the impact this is having on my credit.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-07 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:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXXXXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX XXXX XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
credit acceptance charges for me incorrect balances, and put incorrect reports to my credit. this account is supposed to be paid off but they keep adding payments wont close account. i been agreed to close loan when in the first 2 months, my car was in the shop unable to drive. the engine blew out on me. this company is fraud and i need my loan closed and reports removed off my credit immediately

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