vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Complaint : On or around XX/XX/year>, a fraudulent charge of {$5.00} was made on my Target credit card at a XXXX in XXXX. My card had a XXXX balance prior to this unauthorized charge, and I was unaware that the charge occurred until several months later. Because I did not recognize the charge, and had not received any notification or statement, the resulting bill went unpaid. 
Once I became aware of the issue, I contacted Target Card Services, and they acknowledged the charge was fraudulent, credited the {$5.00}, and removed the {$35.00} late fee. However, they have refused to remove the 30-day late payment that was reported to the credit bureaus, which remains on my credit report to this day.

This late mark is unjustified and inaccurate, as it stems directly from a charge that was both fraudulent and later reversed. Reporting it as a legitimate late payment violates both the Fair Credit Reporting Act ( FCRA ) and the California Consumer Credit Reporting Agencies Act ( CCCRAA ), which require furnishers to report only accurate information and correct or delete information found to be false or misleading. 
I have made multiple attempts to resolve this matter directly with Target Card Services, including calling their customer service department several times, but I have received no meaningful assistance. In fact, most calls have resulted in communication challenges and little to no progress toward resolution.

This false late mark is severely harming my credit score at a critical time : I am currently in the process of refinancing a mortgage loan over {$1.00} XXXX, and this derogatory mark is directly raising my interest rate, potentially costing me XXXX  of dollars per year. This is a major financial burden caused entirely by Targets inaccurate reporting of a transaction they themselves confirmed was fraudulent. 

Desired Resolution : I am requesting that Target Card Services immediately remove the 30-day late payment from all credit bureaus to which they report, and confirm this in writing. This mark is factually incorrect and is causing me significant financial harm.

Please help ensure this is resolved as swiftly as possible.

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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have no knowledge of these inquiries or accounts and do no belong to me. The inquiries are : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: P&B Capital Group, LLC
State: WI

Complaint narrative:
Company never sent a letter to verify debt which is the legal procedure and reported to my credit as well as I never got a right to cure letter

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX + XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX ( XXXX ) XXXX. XXXX XXXX ( XXXX ) XXXX. XXXX ( XXXX ) XXXX. XXXX XXXX XXXX ( XXXX ) XXXX. XXXX  C ( XXXX ) XXXX. XXXX XXXX XXXX ( XXXX ) XXXX. XXXX XXXX ( XXXX ) XXXX. XXXX XXXX ( XXXX ) XXXX. XXXX XXXX ( XXXX ) XXXX XXXX XXXX. XXXX  XXXX ( XX/XX/XXXX ) XXXX. XXXX  XXXX ( XX/XX/XXXX ) XXXX. XX/XX/XXXXXXXX ( XX/XX/XXXX ) XXXX. XXXX  XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX  XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX  XXXX ( XX/XX/XXXX ) XXXX. XXXX CARD ( XX/XX/XXXX ) As required by XXXX XXXX XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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: Experian Information Solutions Inc.
State: OH

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 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: NY

Complaint narrative:
I am writing to formally dispute and request the immediate removal of several charged-off accounts currently being reported on my credit reports by Equifax, XXXX  and XXXX These accounts are not mine, and I did not authorize them in any capacity. I see three charged off accounts from XXXX XXXX, and they are not mine.

Despite previous disputes filed directly with the credit bureaus, the accounts in question have been verified without sufficient investigation or documentation. I am concerned that this is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies must maintain accurate information and conduct proper reinvestigations. 

I am requesting that the CFPB step in to ensure these accounts are thoroughly investigated and permanently removed from my credit file if they can not be properly validated with concrete proof that I am responsible for them. I am also requesting documentation from the bureaus showing how and with whom these accounts were verified.

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: NY

Complaint narrative:
I am writing to formally dispute and request the immediate removal of several charged-off accounts currently being reported on my credit reports by XXXX XXXX, and TransUnion. These accounts are not mine, and I did not authorize them in any capacity. I see three charged off accounts from XXXX XXXX, and they are not mine. 

Despite previous disputes filed directly with the credit bureaus, the accounts in question have been verified without sufficient investigation or documentation. I am concerned that this is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies must maintain accurate information and conduct proper reinvestigations. 

I am requesting that the CFPB step in to ensure these accounts are thoroughly investigated and permanently removed from my credit file if they can not be properly validated with concrete proof that I am responsible for them. I am also requesting documentation from the bureaus showing how and with whom these accounts were verified.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute one or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. 

According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on 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 2025-04-21 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX repossessions is marked on my account which is inaccurate. And its not late when I know longer have the vehicle and the company has it. How can my payment be late when Im in possession of the vehicle? It is still being marked as late payment, which is unfair the constitutional general right.

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: Improper use of your report — Reporting company used your report improperly
Company: United PanAm Financial Corp.
State: OH

Complaint narrative:
I am writing in response to your letter dated XX/XX/year>, regarding CFPB Case No. XXXX. While I appreciate your response, I am formally disputing the validity of the alleged debt and your right to report it to the credit bureaus based on legal grounds. 

Your submission of a Retail Installment Sale Contract that lacks my wet ink signature does not constitute proper validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ). Furthermore, the absence of my written authorization violates the Electronic Signatures in Global and National Commerce Act ( E-SIGN Act 15 U.S.C. 7001 ), which requires verifiable evidence that I consented to an electronic transaction and was provided the proper disclosures and alternatives. 

Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau, the Federal Trade Commission, the Ohio Attorney General, and may lead to a private right of action under FCRA 1681n & 1681o and FDCPA 1692k. 

This is not a refusal to pay but a request for validation made pursuant to my rights under federal law.

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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am a member of Wells Fargo bank. I made a purchase of XXXX at XXXX the first it declined due to I had my card turned off. I turned it back on and it cleared. I left the store and went to my car. transferred funds to my account, realized I forgot something went back in the store and tried to purchase some other things, my card declined, I could not understand I just transferred funds to the account. I called wells fargo put on hold for XXXX minutes to be transferred to the fraud department when I was transferred to the fraud department, I spoke with XXXX. I explained to her how upset I was and how is it that Wells Fargo did not contact me to say Customer were blocking your card to get it unblocked call us. XXXX hangs up on me when I call back. I found out that she never ever unblocked the card she just hung up on me to me that is malice. She did all of that purposely so I called back and I have the unfortunate pleasure of speaking with a XXXX  he was very condescending did not want to help me so I got to speak to a person named XXXX who was supposedly a supervisor she acted like she did not want to help me either she put me on hold I got up set only due to I thought I was hung up on for the second time. When trying to talk to her she laughed at me. Is that how customer service works. I asked for a callback from somebody higher than her. She said that would take XXXX to XXXX hours but how can a bank just decide to block your card never send you any kind of notification you find out. Your card is blocked when you try to use it and no one tries to help to unblock it. There is plenty of money in the bank. Theres no reason why Wells Fargo could not have unblocked my card it was done to frustrate me even more so yes Id like to file a formal complaint against them Wells Fargo they should not be allowed to take peoples money and just decide whether they want to give it to them or let them have access to it or not that is not how it works so yes, I tried to contact them and I got no help whatsoever from any of the people I spoke with supervisors, regular workers whatsoever. I was told it unblocked but I am afraid they still didnt do it as a customer. I should not have to be in fear as to whether I have access to my own funds or not no bank should have that much power over anyone.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed XXXX XXXX and they cease collection and return account to XXXX XXXX and both are reporting on my credit with the same amount which is a violation 15 U.S.C To Whom It May Concern : I am writing in regard to your attempts to collect a debt, referenced as account number [ Insert account number if known ]. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), I hereby request that you cease and desist all communication with me regarding this alleged debt.

Please note that continued contact from your agency may constitute a violation of federal law and can result in legal action being taken against you. 

This request applies to all forms of communication, including but not limited to phone calls, letters, emails, and messages to third parties. The only exceptions permitted by law are notices regarding specific legal actions you intend to pursue.

Please also consider this letter a formal dispute of the alleged debt unless it has already been validated in accordance with 15 U.S.C. 1692g.

I request written confirmation that you have received and complied with this cease and desist request

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: EQUIFAX, INC.
State: FL

Complaint narrative:
Fraudulent Inquiries Creditor Name Date of Inquiry XXXX XXXX  XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX  XX/XX/year> Experian XXXX XX/XX/year> Equifax XXXX XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax

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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I disputed this account XXXX asked XXXX provide me with validation of the account they reported XXXX the CRA 'S that they sent the validation but did not. I have attached the letter they sent with no contract attached XXXX listed an incorrect email address listed as mine saying they sent it in XXXX when I requested it XXXX? They not lied XXXX the credit bureaus but didn't provide me with the requested validation. I requested the description of reinvestigation procedures according XXXX XXXX XXXX XXXX ( XXXX ) states that if requested by consumer, this must be provided in XXXX  days in order XXXXXXXX be in compliance with FCRA guidelines. They took more than allowed time XXXX  still did not provide the contract with wet signature. Per XXXX XXXX XXXX, you are in violation of my rights to privacy by reporting nonpublic personal information without my permission or consent. I demand immediate deletion of this data XXXX formally opt out of any further reporting of such information

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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I disputed this account XXXX asked XXXX provide me with validation of the account they reported XXXX the CRA 'S that they sent the validation but did not. I have attached the letter they sent with no contract attached XXXX listed an incorrect email address listed as mine saying they sent it in XXXX when I requested it XXXX? They not lied XXXX the credit bureaus but didn't provide me with the requested validation. I requested the description of reinvestigation procedures according XXXX XXXX XXXX XXXX ( XXXX ) states that if requested by consumer, this must be provided in XXXX  days in order XXXXXXXX be in compliance with FCRA guidelines. They took more than allowed time XXXX  still did not provide the contract with wet signature. Per XXXX XXXX XXXX, you are in violation of my rights to privacy by reporting nonpublic personal information without my permission or consent. I demand immediate deletion of this data XXXX formally opt out of any further reporting of such information

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Hey, I went over my consumer report, and I noticed some hard inquiries that I didn't authorize, or l do not have knowledge of. I have called several times and let the credit reporting agencies and the companies know that the inquiries in the document included below are fraudulent and they have yet to be removed. They are not to supposed to be visible on my credit report. I never gave them permission nor written consent to report or to authorize the inquiry. By law this is aggravated identity theft. 18 U.S. Code 1028A

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