vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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: KS

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: KS

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX Date : XX/XX/scrub>/2025 To : Portfolio Recovery Associates , LLC [ Phone Number : XXXX ] RE : Cease and Desist Unlawful Harassment and Unwanted Contact To Whom It May Concern, I am writing to formally demand that Portfolio Recovery Associates , LLC immediately cease and desist from all forms of communication with me, including but not limited to phone calls, text messages, or any other contact methods.

Despite prior notification to stop, your organization has continued to contact me, which I consider harassment and a violation of my privacy rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c. Continued contact after being asked to cease is a violation of federal law and may result in legal action against your company.

Be advised that any further attempts to contact me will be documented and may be used as evidence should I choose to pursue legal remedies, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), or civil action for statutory damages.

I insist you provide written confirmation within 10 business days from the date of this letter that all communications to me have ceased. Failure to comply will leave me with no choice but to explore all available legal options.

This letter serves as your final warning. Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: AZ

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Yesterday I spoke with Detective XXXX XXXX at the XXXX and she confirmed that TD BANK has failed to respond to the subpoena she issued for information. It has been months and issued another one. 
I was scammed by an imposter. I called the bank told them this and they don't care. 
I have contacted them numerous times along with my complaints thru you and it's always the same answer I am responsible. 
How can I be responsible when a bad check was issued to my account and TD failed to investigate the bad check. 
TD bank is hiding behind their consumer agreement for the final time I have XXXX XXXX and am XXXX this is XXXX XXXX  when you refuse to comply with thr request from the sheriff department

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX  # XXXX XX/XX/XXXX -- {$14000.00} XXXX, XXXX # XXXX XX/XX/XXXX -- {$7800.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: NY

Complaint narrative:
I returned an item to XXXX XXXXXXXX XXXX XXXXXXXX and was promised a full refund to my card. Despite the return being processed in-store, the refund never posted to my account. I tried resolving it directly with XXXX, but they were unhelpful. I then filed a dispute with my bank, which failed to investigate the matter properly and denied the claim without a thorough review. 

Transaction Details : Purchased sandals Purchase Date : XX/XX/year> Posted to credit card account : XX/XX/year> Return Date : XX/XX/year> Amount : {$19.00} Payment Method : Credit Card Merchant : XXXX XXXXXXXX XXXX XXXX I returned the item within the return window. The XXXX associate confirmed the return and said the funds would be credited back to my account but never provided a return receipt and this refund never appeared. 

I contacted XXXX multiple times to request proof of the return/refund. They did not respond. 

I submitted a formal dispute to my bank multiple times and explained the situation in detail. I also mentioned that XXXX was unresponsive and that I needed their help recovering the funds. The bank closed the dispute after a brief review and did not appear to gather all the necessary evidence and even informed me they wouldn't be looking the evidence as XXXX denied accepting the claim. I was not contacted for further documentation nor given a clear explanation. 

The bank did not appear to conduct a thorough investigation. They did not assist in obtaining merchant records, did not ask me for additional documentation, and closed the case prematurely. This lack of diligence contradicts their obligation to fully investigate disputes under applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Sunbit, Inc.
State: TX

Complaint narrative:
Problem : On XX/XX/scrub> 2025, I was prequalified for a Sunbit credit card with a limit of {$1600.00}. I selected the card I wished to use for payments and submitted my application. Despite being prequalified and complying with all identity verification steps, the application was denied. 

On XX/XX/scrub> 2025, I received a denial notice stating the reason as : Not clearing active fraud alert on credit file. This is inaccurate for several reasons : I was on the phone with Sunbit customer service representative XXXX, who assisted me in clearing and verifying the fraud alert in real time. 
I completed all verification steps requested and was assured the fraud alert was cleared. 
Sunbit already has a copy of my drivers license and Social Security card on file, as I previously completed identity verification with the company. 

Despite this, my application was denied based on the claim of an unresolved fraud alert. 

Consumer Rights Involved : Under the Fair Credit Reporting Act ( FCRA ), I have the right to fair and accurate use of my credit report. Denials based on inaccurate or improperly handled fraud alerts are not compliant with this law. 
Under the Equal Credit Opportunity Act ( ECOA ), a creditor must provide a factually accurate and legitimate reason for denying credit. An inaccurate claim about an unresolved fraud alert may constitute a violation of this requirement.

Company Response Sought : I am requesting that Sunbit : 1. Provide a clear written explanation of how my application was evaluated and why the denial occurred despite my successful verification.

2. Reconsider my application now that the fraud alert has been verified and cleared.

3. Confirm that Sunbit has complied with its obligations under the FCRA and ECOA in its handling of my application.

Supporting Details : Date of prequalification : XX/XX/year>2025 Prequalified credit limit : {$1600.00} Denial received : XX/XX/year>2025 Denial reason cited : Not clearing active fraud alert on credit file Customer service representative : XXXX ( verified the fraud alert with me during the application process ) Identification already provided : Drivers license and Social Security card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Property Receivables, Corp
State: ND

Complaint narrative:
Rec 'd a collection notice from Property Receivables , Corp, XXXX XXXX XXXX, XXXX, WA XXXX, for charges from XXXX XXXX XXXX XXXX XXXX XXXX amount of {$3700.00} plus {$23.00} in interest stating as of XX/XX/year>. I rec 'd this first notice in the mail on XX/XX/year> and the statement date was XX/XX/year>. They can not start accruing interest from XX/XX/year> if they only generated a bill and sent it out as of XX/XX/year>. 

XXXX sent me the first and only bill that I rec 'd on XX/XX/year> in the mail that was dated XX/XX/year>. This was from moving out of a rental property on XX/XX/year>. 

I was not even given 30 days to respond to the rental management company before being sent to this collection agency. 

Furthermore, the collection agency can not collect interest on something that even the rental property had not even generated a bill about until XX/XX/year>. 

They also called and harassed my parents who were listed as emergency contacts on my previous lease with XXXX. This is unacceptable and harassment!!! 

I have filed with small claims against XXXX for the charges and notified the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: IL

Complaint narrative:
I recently received a copy of my credit report and noticed several unauthorized inquiries. As a customer I am fully aware of my rights under the Fair credit reporting act ( FCRA ) and have identified inquiries listed below. The following inquiries were conducted without my permission and do not have a permissible purpose as outlined by the FCRA : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-27 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: FL

Complaint narrative:
WHEREFORE, Plaintiff, XXXX XXXX XXXX, Living Woman, XXXX XXXX, not XXXX, respectfully demands judgment against Defendants, jointly and severally, and prays this Court award the following relief : Compensatory Damages ( Economic Losses ) For lost income, career advancement, and business opportunities wrongfully suppressed by Defendants misconduct, in an amount no less than {>= $1,000,000}. 

For denied housing, forced homelessness, loss of security deposits, and financial instability directly caused by false reporting, in an amount no less than {$500000.00}. 

For direct fraud losses ( hacked accounts, unauthorized withdrawals, phone hijacking ), in an amount no less than {$25000.00}. 

Non-Economic Damages ( Pain, Suffering & Trauma ) For severe emotional distress, XXXX, XXXX, XXXX, and the irreparable trauma of losing access to children, family life, and stability, in an amount no less than {>= $1,000,000}. 

Punitive Damages For Defendants willful, reckless, and malicious violations of the FCRA, FACTA, FDCPA, and Florida consumer protection laws, and for their deliberate reclassification of accounts and suppression of positive tradelines, in an amount not less than {>= $1,000,000}.

Constitutional and Civil Rights Damages Pursuant to 42 U.S.C. 1983, for deprivation of Plaintiffs rights under the 14th Amendment ( due process and equal protection ), compounded by regulatory failures of the CFPB, FTC, and Florida Attorney General, in an amount no less than {>= $1,000,000}.

Declaratory and Injunctive Relief An order directing Defendants to immediately delete all inaccurate, fraudulent, and reclassified entries on Plaintiffs credit files.

An order compelling Defendants to reinstate all suppressed positive tradelines, including mortgage, utilities, telecommunications, and paid accounts.

A permanent injunction prohibiting Defendants from further reporting false or misleading information about Plaintiff.

Costs, Fees, and Any Other Relief Award of court costs, expert witness fees, and any other relief this Court deems just, proper, and equitable. 

Total Demand : {>= $1,000,000} ( XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) ( plus continuing damages, costs, and equitable relief ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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:
Since the summer of XXXX, there have been nine hard inquiries added to my Experian & transunion only on my credit report related to a car loan application. I did not authorize any HARD INQUIRES applications related to auto financing. I already have a car. This has been an on going issue for a year an two months of me trying to get them removed. 

In response to this, I placed a security freeze on all three major credit bureausTransUnion, XXXX, and Experian. XXXX have already removed these unauthorized inquiries after investigation. However, despite mailing three letters ( two this year and one last year ) to the address provided ( XXXX XXXX XXXX, XXXX, PA XXXX ), the inquiries still remain on my TransUnion report. And sending letters to Experian Experian Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXXXXXX Given the number of data breaches that have occurred in the past year, I believe my information may have been compromised. However, I want to emphasize again that these inquiries were not authorized by me, and I respectfully request that they be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XXXX XX/XX/year> XXXX XXXX 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 explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I previously contact the company regarding the XXXX XXXX XXXX, which expires XX/XX/year>, to extend deferred interest promotion indefinitely to avoid paying accrued interest charges. 

I have an active complaint XXXX and XXXX because I'm being charged for items that where returned. 

Also, there has been fraudulent activity on my account with a representative of the company removing or cancelling my autopay feature.

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