vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 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: NJ

Complaint narrative:
I am submitting this complaint regarding unauthorized hard inquiries that appear on my credit report. These inquiries were nit initiated by me, and I did not give consent for them to be made. Therefore, I believe they are in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX [ XXXX U.S. CXXXX XXXXb ], which outlines the permissible purposes for obtaining a consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: NJ

Complaint narrative:
I am submitting this complaint regarding unauthorized hard inquiries that appear on my credit report. These inquiries were nit initiated by me, and I did not give consent for them to be made. Therefore, I believe they are in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX [ XXXX U.S. CXXXX XXXXb ], which outlines the permissible purposes for obtaining a consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: SC

Complaint narrative:
I have several bank accounts with account numbers listed in clarity credit report. I requested to have this information removed because I dont have these accounts. This company aLao lost my payroll dates, etc along other personal information that this company should have access too. Also I never gave this company permission to obtain my personal information. Company claims that the information is coming from experian. Experian doesnt post any banking information on there credit report. This company is a reseller of consumer information. This should be illegal

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: TX

Complaint narrative:
I agreed to paid deletion and yet these two items still remained on my report for years.

It has been past 7 years and they are still reporting these derogatory items. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
My husband XXXX XXXX is manipulating and missing my credit cards for 2 months since I talked about Divorce. XXXX XXXX and XXXX he misused my credit cards without me knowing. My total debt till now is XXXX or above I started few claims or dispute with XXXX and bank of America. My name is 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 2025-05-25 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: GA

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 ONE 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 explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
This company is breaking the law by failing to provide proper validation as required under the XXXX USC XXXX. Despite this, they have added a collection to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This company is breaking the law by failing to provide proper validation as required under the 15 USC 1692g. Despite this, they have added a collection to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
1 ( One ) of four new {$300.00} credit limit credit cards that I took out.

1. ) I got approved for a {$300.00} Credit limit Credit card.

2. ) I used the card perfectly for 3 months.

3. ) I immediately got frauded by a group of Scammer 's ; and attacks that even got physical.

4. ) They Stole hundreds of dollars from me for over 6 month 's.

5. ) They went as far as verbally confronting me that " I '' STOLE FROM THEM ''.

6. ) 3 different Individual 's made a complaint that I stole their credit card ( s ) and used them across town at an ATM and a store.

7. ) They then called the XXXX XXXX on me and demanded arrest.

8. ) They then called the bank 's and the credit agencies and opened an investigation on me. 

9. ) The investigation immediately ended when the Scammer 's got caught lying in a pre-emptive attack on my finances.

10. ) The Credit bureaus put a freeze on my credit for 3 month 's. A NON-ANTI FRUAD freeze only described as no access to credit until further notice.

11. ) AND the Investing team then ran the tapes and found out that the person using the card 's at the ATM and the STORE were non-other than one of the Scammer 's own members.

12. ) While another complaint about " ME '' using one of the Scammer 's credit card was completely false.

13. ) I then watched multiple people paying each other CASH with a conversation to continue to ROB me around town.

14. ) Resulting then after hundred/thousands of dollars directly were stolen from me ; NOT ABLE to pay my own Credit Card bills , resulting in my financial credibility being compromised. 

15. ) Every Credit product that I have ever used was paid IN-FULL, ON-TIME and EARLY.

16. ) This is the second time an attack like this has happened to me involving my Credit history.

17. ) I have made complaints before and would like to open up an investigation. 

18. ) My credit credibility rating was no less than XXXX before this attack and then I got sunk to XXXX and I've been stuck in this cycle for over a decade from Scammer 's and end in a physical altercation/ being physically blindsided. 

19. ) I was told that this would be taken care of appropriately and that this shouldn't have happened to me aagain.

20. ) COMPLETE DEBT FORGIVENESS ; XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: NY

Complaint narrative:
The account was charged off in XXXX, but it continues to be updated with late payments and balance activity through XXXX. XXXX reported the account as closed on XX/XX/XXXX, and then again on XX/XX/XXXX, XXXX is inconsistent and misleading. 

I am disputing inaccurate and misleading credit reporting related to my former auto loan account with XXXX XXXX XXXX. The account was charged off in early XXXX following my last payment on XX/XX/XXXX. However, XXXX has continued to report new derogatory information and conflicting status updates nearly XXXX years after the charge-off. 

Specifically : XXXX. XXXX originally reported the account as closed on XX/XX/XXXX. 
XXXX. They then updated the account again as closed on XX/XX/XXXX. 
This discrepancy is inaccurate and may represent re-aging of the debt, which violates the Fair Credit Reporting Act ( FCRA ). 
XXXX. They continue to report monthly late payments and a balance of {$48000.00} through XXXX despite the charge-off occurring in XXXX. 
This creates the false appearance of an active account, which is both misleading and damaging. 
XXXX. The account shows a 98 % remaining balance without reflecting a write-off, transfer, or collection status. 
XXXX. This inaccurate reporting is negatively affecting my credit score and misrepresents the true status of this debt. 

I have attempted to dispute the issue with the credit bureaus, but XXXX continues updating the account with this incorrect information. Im requesting a full investigation and correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: MD

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: MD

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: TN

Complaint narrative:
Im following up yet again about the fraudulent items that continue to appear on my credit report. Despite multiple attempts to resolve this, Im still dealing with unauthorized entries tied to identity theft. My credit file also lists incorrect personal information, which is likely contributing to these false accounts. I never opened or had any connection to these items. I followed the proper steps, including filing an FTC Identity Theft Report as instructed by Equifax and submitting all required documentationyet the fraudulent entries remain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: MD

Complaint narrative:
On XX/XX/year>, I submitted a written dispute to Equifax regarding several inaccurate accounts on my credit report. On XX/XX/year>, I followed up with a Method of Verification ( MOV ) letter requesting documentation showing how Equifax verified those accounts with the original data furnishers. 

On XX/XX/year>, Equifax mailed a response stating that the information was verified as accurate, but they failed to provide any documentation or detail about how the verification was conducted. Simply stating that an item was verified without showing how or with whom is not a valid investigation under the Fair Credit Reporting Act ( FCRA ).

This violates 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation and provide verification details upon reques

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: AL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
My credit report contains incorrect personal information, and as a result, accounts Ive never seen before are showing up. These accounts are not mine and should never have been linked to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: AR

Complaint narrative:
Discover placed a hold on my XXXX checking account for {$8300.00} on XX/XX/XXXX, which is still active on any and all accounts I may have including the XXXX account which was since closed due to this. Prior to the settlement offer, I also made three installment payments toward my debt to Discover and their legal representation at XXXX XXXX XXXX XXXX through my debt consolidation program XXXX XXXX and their negotiations team, - each in the amount of {$580.00}, for a total paid {$1900.00} including the garnishment fees of {$60.00}, and {$160.00} taken by Discover from my XXXX checking account on XX/XX/XXXX. ( Payment installment dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and the garnishment fee taken on XX/XX/XXXX. ) Further, Discover garnished {$160.00} from my XXXXXXXX XXXX account toward the debt on XX/XX/XXXX, at the time of service for the writ of garnishment. ( The writ of garnishment is still active, and the courts have not been notified of the payment by the creditor, and as such the garnishment and hold on my accounts is still active, despite reaching a settlement agreement with Discover and paying the full amount agreed upon in the settlement offer ). I paid Discover the amount agreed in the settlement offer on XX/XX/XXXX, in the amount of {$6700.00} which closes out my debt to Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: NV

Complaint narrative:
I am writing to formally dispute a collection account reported on my credit report. The account in question is inaccurate, and I request that it be removed from my credit file. 
- Creditor/Original Creditor : The Golden Apartments ( via XXXX XXXX ) - Date Reported : XX/XX/XXXX This debt is inaccurate for the following reasons : XXXX. I vacated the apartment at The XXXX Apartments in XXXX, and I have email confirmation from their office confirming my move-out date. 
XXXX. Maintenance entered the unit and began remodeling before my official move-out inspection, which I believe voids any claim for additional charges or damages, especially without proper notice. 
XXXX. I was never informed of any outstanding balance at the time of move-out, and I only learned of this alleged debt when it appeared on my credit report in XXXX XXXX XXXX years later. 
XXXX. Since discovering the collection, I have requested information to understand the basis for the charges, but have not received a clear breakdown or explanation. 
Attached are : - A copy of the email confirming my move-out date - Any relevant documentation showing early entry/remodeling - Copies of my recent communications regarding this issue This information clearly demonstrates that the account is in dispute and lacks sufficient basis for collection or reporting. Please investigate this matter and remove this item from my credit report. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: TX

Complaint narrative:
b'As per the guidance from the Consumer Financial Protection Bureau (XXXX), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX. I kindly request that you block this information from my credit report within XXXX  business days, pursuant to section XXXX  of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. \n\nAccounts\nXXXX XXXX/ XXXX, Account XXXX, Amount XXXX, date opened 1XXXX \XXXX, Account number XXXX, Amount XXXX, date opened XXXX\nXX/XX/XXXX, Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX \nAXX/XX/XXXX, Account number XXXX, Amount XX/XX/XXXX, date opened XXXXXXXX/XXXX  \nXXXX XXXX XXXX, Account number XX/XX/XXXX, Amount XXXX, date opened XXXX \n\nXX/XX/XXXX XXXX XXXX, Account number XXXX, Amount XXXX, date opened XXXX \nXXXX XXXX XXXX XXXX, Account number XXXX, Amount XXXX, date opened XX/XX/XXXX \n XXXX XXXX XXXX Account number XXXX, Amount XX/XX/XXXX\nXX/XX/XXXX, Account number XXXX, Amount XXXX\nXXXX, Account number XXXX, Amount XXXX\nXXXX XXXX XXXX, Account number XXXX, Amount XXXX\nJXX/XX/XXXX, Account number XXXX, Amount XXXX\n\nINQUIRES: \nXXXX XXXX XXXX \nXXXX XXXX XXXX XXXX XXXX \nXX/XX/XXXX \nXXXX XXXX XXXX XXXX XXXX \nXX/XX/XXXX \nXX/XX/XXXX \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX\nXX/XX/XXXXnXXXX 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 non-monetary relief
Consumer complaint received 2025-05-24 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: 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 tem 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 ) ( a ) 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.

-Delete the accounts-below.

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 2025-05-25 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: MD

Complaint narrative:
On Sunday,XX/XX/XXXX, I noticed on my TD online banking account that there were two unauthorized purchases on my atm/credit card for that day. One was for {$4.00} at some unknown company and the other one was a pending amount of {$570.00} at a XXXX in XXXX, MD. I panicked and immediately called the XXXX store and spoke to the manager. They refused to locate the transaction and informed me that I needed to call my bank first. I called the bank right away to see if they could stop payment since it was still pending. TD Bank said that they could not take any action until it was actually posted on my account, which did not happen until Tuesday. I called to file a dispute on Wednesday XXXX XXXX and they seemed to be understanding of what happened. I filed a police report ( ref # XXXX ) but they showed no interest in helping me since credit card fraud is so unfortunately uncommon now. Then, 2-3 weeks later, I receive a letter stating " You advised your chip card was in your possession, during an in-person transaction '' which is absolutely impossible! I called the bank and complained several times and was not given a straight answer as to how they came to the conclusion that the card was in my possession when it was being used fraudulently. I believe my card was either skimmed or scanned. Every transaction on my account is listed as a debit transaction even though I use the credit option. I rarely use this card as an atm card to where you have to enter the pin. I thought TD Bank offered zero liability protection at least that is what they advertise.

Company response to consumer: Closed with explanation