vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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: KEYSTONE EQUIPMENT FINANCE CORP.
State: CA

Complaint narrative:
i have asked the company 3 TIMES FOR VERIFICATION AND THEY HAVE NOT PROVIDED ME WITH ANY LEGAL DOCUMENTS, Description of the procedure, all documentation they used to investigate

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 2025-04-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This account is showing an incorrect payment history. As you can see in the screenshot is shows 60 days late on XXXX, 2022. I should not have a 60 day late payment on XXXX, 2022 this inaccurate information falsely manipulates my credit worthiness and its hurting my ability to obtain credit. Equifax failed to investigate this account properly after I repeatedly asked to have the account updated your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : XXXX XXXXXXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the XXXX Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 explanation
Consumer complaint received 2025-04-07 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:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the XXXX Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2025-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MN

Complaint narrative:
I ordered an XXXX  XXXX from XXXX in the amount of {$37.00} on XX/XX/year>. The items battery was defective and not holding charge. Item not as described.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-04-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: CA

Complaint narrative:
I deposited a check that posted to my account on the XXXX of XXXX. The bank did not issue the XXXX XXXX  even though it was in my deposit agreement and under federal regulations. They put a full XXXX business day, XXXX calendar day hold on the check. Upon the day the funds were fully released which was the XXXX of XXXX I tried to use XXXX which their system wouldn't let me do, I then tried an AHA transfer which again system would not do, I lastly tried a wire transfer which their system would not let me do. Lastly they said they would right checks for me but the checks could only be in my name to the XXXX party address or in the XXXX party name to my address, and it would take XXXX business days. How does that help me get the funds to the people I needed to get them to. During all this on the XXXX I signed up for a debt checking account and the card is scheduled to come to me on the XXXX. So they will have taken my check from me and not allowed access to any of thr funds for over XXXX calendar days and they wouldn't put a upper XXXX on the issue telling me it will take XXXX business days for someone to get back to me which no one has. I spent hours each day on the phone with them. Went through XXXX to XXXX advance screening to gain access to my account. I still haven't had access to XXXX XXXX  while writing this. Discover bank is the most unprofessional, unpleasant bank that I've ever been a part of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
**URGENT DEMAND TO REMOVE FRAUDULENT ACCOUNTS ( XXXX XXXX XXXX ) UNDER FCRA 611, XXXX DATA BREACH, AND FRAUD BILL OF RIGHTS** To the whom it may concern I am writing to formally demand immediate investigation and deletion of the fraudulent account *XXXX XXXX XXXXXXXX ( and any associated accounts ) from my credit reports at all three nationwide credit bureaus ( XXXX, Experian, XXXX ) XXXX This account is a direct result of the XXXXXXXX data breach disclosed in XXXX XXXX, which exposed my sensitive personal information to criminals. I have exhausted all reasonable steps to resolve this matter, yet the credit bureaus and furnishers continue to violate my rights under the **Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) **, the **Consumer Financial Protection Act**, and the **Fraud Bill of Rights**. 

# # # **Legal Basis for Demand** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ** : The credit bureaus have failed to conduct a proper reinvestigation of this fraudulent account. I previously disputed this item in writing, yet they continue to report it without verifying its legitimacy. This is a **willful violation** of their duty to ensure accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX* : XXXX ( the furnisher ) is reporting false information they know or should know is fraudulent, given the well-documented T-Mobile breach. 
XXXX. XXXX XXXX of XXXX : As a victim of identity theft, I have the right to : - XXXX fraudulent information from my credit reports. 
- Receive expedited investigation and resolution. 
- Be free from retaliation ( e.g., continued harm to my creditworthiness ). 
XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX ) ** : The CFPB must act to halt unfair, deceptive, or abusive practices harming consumers. 

# # # **Failure to Comply** If this demand is not resolved within **30 days**, I will : - Escalate this matter to the FTC, state Attorney General, and the Office of Comptroller of the Currency XXXX XXXX XXXX XXXX 
- Pursue XXXX XXXX under FCRA XXXX for willful noncompliance and damages. 

# # # **Impact on My Life** This fraudulent account has caused **severe emotional distress**, financial paralysis, and has blocked access to housing, employment, and credit opportunities. The credit bureaus negligence has left me in a state of constant anxiety, violating my right to financial stability under federal law. 

**Attached** : - Copy of government-issued ID - XXXX XXXX  notification **Act now**. This egregious error must not persist. 

Sincerely, 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 explanation
Consumer complaint received 2025-04-07 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: Thaxton Investment Corporation
State: TX

Complaint narrative:
I am deeply concerned about the derogatory rating on my account and its significant impact on my credit standing. This negative mark has already resulted in the denial of a recent loan application and triggered increased interest rates on my existing credit accounts. The financial and emotional distress this situation has caused is severe and will continue until this matter is properly resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: MD

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND XXXX. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law. 

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report. 
An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the credit reporting agencies for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please see attached copy of my ID, The FTC compliant, a copy of the XXXX report showing my information being exposed in a national data breach and a validation of debt letter.

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 2025-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed my account after I deposited a check that was later identified as fraudulent. However, I was unaware that the check was fraudulent at the time. I was contacted by an individual offering me a job opportunity, and as part of the onboarding process, they directed me to deposit the check. I have email evidence from that individual indicating their direction to deposit the funds. 

I was never contacted by Bank of America to explain the situation, and instead, my account was closed, and I was flagged as high risk, which may affect my ability to open future bank accounts. I understand the need to protect against fraud, but I feel I am being punished for being a victim of a scam.

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 2025-04-07 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: FL

Complaint narrative:
I am filing a formal complaint against XXXX ( XXXX ) and the credit bureau ( s ) reporting this account for continuing to report inaccurate and/or unverifiable information, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) and 1681e ( b ). 

The account in question is a credit card account with XXXX, account number ending in XXXX ( full number redacted for privacy ). It is reported as : Status : Charged off, {$150.00} written off Past Due : {$150.00} as of XX/XX/XXXXXXXX  Opened : XX/XX/XXXXXXXX  Responsibility : Individual I dispute the accuracy and validity of this account. I submitted a dispute to the credit bureau ( s ) requesting verification, but to date, no documentation or sufficient validation has been provided to confirm its legitimacy. Under 15 U.S.C. 1681i, the credit bureaus are required to remove information that can not be verified within 30 days. Additionally, they are required under 1681e ( b ) to maintain only accurate, verifiable data. 

Because the creditor and/or bureaus have failed to provide proper verification and continue to report this account, I am requesting the CFPB intervene to ensure the immediate removal of this account from all credit reports. 

Resolution Requested : Full deletion of the XXXX  account from all consumer credit reports due to failure to verify.

Written confirmation of this removal

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 2025-04-07 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: TX

Complaint narrative:
Im disputing the information in this FTC complaint, as it appears on my credit profile, I would like validation of the debt to prove it belongs to me, XXXX XXXX. If the debt cant be validated, I would like for the debt to be removed from my credit profile. Please note verification is NOT validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
I sold an item on XXXX, and then cashed the check and the scammers stole everything from my account and the bank then closed my accounts and told me that its my fault. That is completely unacceptable and illegal and I want my credit back to normal and I want money from a lawsuit against Bethpage federal credit union!

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Over the past few years Ive had trouble with the credit reporting agencies and how they respond to disputes, I had so much trouble I believed they were purposely ignoring my complaints and continued reporting inaccurate information. Well this week I applied for a loan and was told that I was being denied because of information they received from an affiliate or third party unrelated to the three reporting agencies. they are still targeting me and leaving negative information on my report and failing to report accurately. They dont report histories correctly, they continue to mark paid off loans as negative even when its been paid off they report 2 late payments when I wasnt late. Now they turn to their affiliates report whatever they want without having to follow the credit laws. They are purposely discriminating against me because Ive filed complaints against them before. They target me and discriminate against me because I chose to exercise my rights afforded me under the

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Over the past few years Ive had trouble with the credit reporting agencies and how they respond to disputes, I had so much trouble I believed they were purposely ignoring my complaints and continued reporting inaccurate information. Well this week I applied for a loan and was told that I was being denied because of information they received from an affiliate or third party unrelated to the three reporting agencies. they are still targeting me and leaving negative information on my report and failing to report accurately. They dont report histories correctly, they continue to mark paid off loans as negative even when its been paid off they report 2 late payments when I wasnt late. Now they turn to their affiliates report whatever they want without having to follow the credit laws. They are purposely discriminating against me because Ive filed complaints against them before. They target me and discriminate against me because I chose to exercise my rights afforded me under the

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX  XXXX - Date Opened XX/XX/year>

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 2025-04-07 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 : LIST OF ACCOUNTS TO BE REMOVED REPUBLICF XXXX BALANCED {$6900.00} XXXX  XXXX BALANCED {$190.00} XXXX XXXX XXXX BALANCED {$2800.00} These accounts has resulted in several 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 accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts 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 are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation