vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
EXPERIAN continues to report inaccurate and false information on my credit report after investigating and re-investagation of these accounts.These accounts were charged off years ago. Since then, the accounts have repeatedly been updated as late, and charged off again every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. EXPERIAN failed to investigate these accounts properly after I asked them to do it XXXX, and their neglect has violated my rights! I am demanding a deletion of the following : Account name : XXXX XXXXXXXX Account Number : XXXX  Account name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX I CONFIRM that I authorized the submission of this complaint.

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 2025-04-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Post Lake Lending Inc.
State: MS

Complaint narrative:
My place of employment received a wage assignment requesting my wages be garnished and taken to pay off a loan that I DID NOT apply for nor receive! I have contacted XXXX of the companies but there are XXXX places and neither one I applied for or received!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Original contract for roughly XXXX, {$190.00} at XXXX for XXXX. Made an over payment by accident ( XXXX ) Called, they refunded XXXX roughly, taking out current mo payment and next. Problem is they put those refunded funds in standard revolving credit plan of XXXX % not the 5.99 %, so we now had XXXX plans, XXXX interest rates, which is why out min due kept going up, we just continued making the {$190.00}, which looked like we were now not making the min due, we have called once sometimes twice a month, and spent days on the phone with them, they have admitted the issue, and stated they will fix the issue, 9 months later still not fixed, and fees keep adding up. Last call we spoke w/ supervisor who assured us it would be fixed and she would call back in 2 days to verify it was fixed, never happened. Many calls get disconnected after being on hold for sometimes hours, or after the rep starts talking, usually mid sentence, this only happens with them, nobody else. We have held up our end of the contract making out agreed payments, meanwhile we have damaged credit because it looks like we havent been making payments. They even at one point told us not to make payments until they fixed it, we didnt, also to file a complaint w/ reporting agency, we did, and never got a response which legally they were supposed to according to them ( 30days ) we are at 9 months later.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-21 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: PA

Complaint narrative:
Im writing because I recently checked my credit report and found some things that just arent right. There are a few inquiries and accounts listed that I never authorized or had anything to do with. I take my personal information and credit seriously, so seeing this was really concerning. To be clearI didnt give permission for these inquiries, and I have no connection to the accounts in question. It looks like someone may have used my information without my 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 2025-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
I had a XXXX XXXX credit card account that I was unable to pay due to financial hardship. The account was eventually charged off by XXXX XXXX. 

I received a court summons in XX/XX/2025 from this law firm. Kilma, peters and Daly pa XXXXXXXX XXXX XXXX ( not XXXX XXXX ) claiming they were collecting the debt on behalf of the creditor. 

Feeling overwhelmed and scared by the legal action, I agreed to a payment plan with the law firm without fully understanding my rights or verifying that they had legal standing to collect the debt. I did not receive proper documentation confirming that the law firm had authority to collect or sue on behalf of XXXX XXXX, nor was I given clear options before being pressured into this agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
My report shows certain inquiries that do not appear to meet the requirement of permissible purpose as outlined in XXXX XXXX XXXX. I believe these inquiries were unintended, and I am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: CA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRASACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: OH

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-04-21 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: AL

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-21 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: OH

Complaint narrative:
I am a XXXX of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX * * * * * * * XXXX - XX/XX/XXXX - {$7400.00} XXXX - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$960.00} XXXX - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$2000.00} XXXX XXXX XXXX - XXXX * * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX * * * * * * * * * * * XXXX - XX/XX/XXXX - {$700.00} XXXX - XXXX * * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$23000.00} XXXX - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} BANKRUPTCY - XXXX * * * * * XXXX - XX/XX/XXXX - {$0.00}

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I received a notice from XXXX XXXX that my loan application was declined. I did not apply for a loan from them. Made multiple attempts to call and never could get through to anyone. Left voicemail and sent email. Flagged credit reporting agencies as well. They ran my credit without my consent but had my email address so I should have gotten some type of notification prior to running report. If this is some type of scam from their company to get contacts it is terrible. I requested they provide me information on the address the loan was requested for. I did not download attachment from email I received as I could not confirm if it was safe download due to not being able to contact anyone at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: NC

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates XXXX XXXX XXXX regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXXXXXX ) says ( XXXX ) 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.

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 2025-04-21 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: NC

Complaint narrative:
GreenSky Account Still Reporting on TransUnion Despite Identity Theft and Deletion Request Complaint Body : I am submitting this complaint against XXXX ( servicing a XXXXXXXX XXXX loan ) regarding an identity theft-related tradeline that is still incorrectly reporting on my TransUnion credit report. 

I am the victim of identity theft. XXXX previously acknowledged this in CFPB Complaint No. XXXX and stated in writing that they submitted a request to the Credit Reporting Agencies to delete the tradeline from his credit report. The account number is XXXX, originally reported by XXXX for a loan totaling {$11000.00}. 

Despite this written resolution and request for deletion, the account still appears on my TransUnion credit report as Closed {$0.00} balance. This is inaccurate and noncompliant with the FCRA. A tradeline confirmed as fraudulent and deleted by the furnisher should not appear at all. 

I provided XXXX and TransUnion with the following documentation : FTC Identity Theft Report ( Report No. XXXX ) Copy of my drivers license Proof of residence Detailed personal fraud statement and dispute letter dated XX/XX/year> TransUnions continued reporting of this item violates FCRA XXXX ( a ), which requires blocking of any information resulting from identity theft upon proper documentation. Furthermore, XXXX must ensure that inaccurate data is not reinserted or maintained in violation of XXXX ( a ) ( XXXX ). 

This unresolved reporting is harming my credit and violating my rights as a XXXX  of identity theft. I request urgent action and confirmation of resolution.

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 2025-04-21 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: NC

Complaint narrative:
XXXX Account Still Reporting on TransUnion Despite Identity Theft and Deletion Request Complaint Body : I am submitting this complaint against XXXX ( servicing a XXXXXXXX XXXX loan ) regarding an identity theft-related tradeline that is still incorrectly reporting on my TransUnion credit report. 

I am the victim of identity theft. XXXX previously acknowledged this in CFPB Complaint No. XXXX and stated in writing that they submitted a request to the Credit Reporting Agencies to delete the tradeline from his credit report. The account number is XXXX, originally reported by XXXX for XXXX loan totaling {$11000.00}. 

Despite this written resolution and request for deletion, the account still appears on my TransUnion credit report as Closed {$0.00} balance. This is inaccurate and noncompliant with the FCRA. A tradeline confirmed as fraudulent and deleted by the furnisher should not appear at all. 

I provided XXXX and TransUnion with the following documentation : FTC Identity Theft Report ( Report No. XXXX ) Copy of my drivers license Proof of residence Detailed personal fraud statement and dispute letter dated XX/XX/year> TransUnions continued reporting of this item violates FCRA XXXX ( a ), which requires blocking of any information resulting from identity theft upon proper documentation. Furthermore, XXXX must ensure that inaccurate data is not reinserted or maintained in violation of XXXX ( a ) ( XXXX ). 

This unresolved reporting is harming my credit and violating my rights as a XXXX of identity theft. I request urgent action and confirmation of resolution.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: GA

Complaint narrative:
Please take action to block and delete the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I approve their creation. In compliance with XXXX XXXX, I am requesting they be removed within XXXX  days. Enclosed are documents for your evaluation. Its important to note that each bureau is reporting different and inaccurate details for the same accounts.

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 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Ive been asking TD bank to remove accounts ending in XXXX and XXXX for the past two to three months and its getting to the point where Im ready to lawyer up especially since my big lawsuit is about to come through. I opened account ending in XXXX with XXXX and the response was that it wasnt reporting at all and the account doesnt exist in the master file. If it doesnt exist then why is account ending in XXXX showing up on my XXXX XXXX XXXX  report. TD Bank also stated that XXXX is reporting correctly but how is that so when it is reporting as closed/purged and nothing at all happened to that account or with that account ; no money was deposited withdrawn never even got a debit card for the account so TD bank once again needs to make it right and to show proof Im attaching a copy of the bush league letter they sent and a copy of my XXXX XXXX XXXX where the account ending in XXXX is reporting unlike TD Bank said and they need to remove accounts ending ending in XXXX as well. How are you gon na mark an account as closed/ purged when the account wasnt even open 72 hours and no deposits, withdrawals or anything were made on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I received a letter from XXXX XXXX XXXXXXXX XXXX XXXXXXXX an attempt to collect a debt, I requested them to Validate the debt. 

1 ) The full name of the Original creditor 2 ) The amount of the original debt and any interest or fees added. 
3 ) A copy of the original contract or agreement, or any other documentation that proves I owe this debt.

4 ) A complete transaction history for alleged debt.

5 ) Any judgement or legal order related to the debt, if applicable.

6 ) The purchase agreement/chain of custody. 

Please note that until this debt is validated, I request that you cease any further collection activities including reporting this alleged debt to credit reporting agencies as required by the FDCPA. if you are unable to provide sufficient documentation, I expect this matter to be considered resolved and the account should be marked as 'disputed ' in your records. if you fail to validate the debt within the CFPB timeframe, I will consider the matter closed and will pursue all available legal rights. attempt to collect a debt. I requested for them to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715.719. 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 explanation
Consumer complaint received 2025-04-21 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: NY

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries.

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