vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Credit Dispute Reference to XXXX XXXX XXXX  ( Case No. XXXX ) To Whom It May Concern, I am writing to formally dispute information contained in my credit report maintained by TransUnion. I have recently become aware of the implications of the court ruling in XXXX v. XXXX, XXXX XXXX. XXXX, filed in the United States District Court for the Eastern District of XXXX  XXXX I believe I have been similarly affected by the issues raised in that case, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ). 

In the XXXX case, XXXX  was found to have violated the FCRA by failing to maintain accurate credit information and by not adequately investigating consumer disputesleading to significant consumer harm. As a result, a class action settlement of {$23.00} XXXX was approved, and impacted individuals may be eligible for relief. More information on this matter can be found at XXXX 

Specifically, my credit report contains inaccurate and/or outdated information that has adversely affected my creditworthiness. I am requesting that XXXX  immediately investigate the following items and take appropriate corrective action in compliance with the FCRA : TD Auto Finance XXXX XXXX XXXX XXXX, balance of {$28000.00} XXXX XXXX XXXX XXXX XXXX, balance of {$2500.00} XXXX XXXX XXXX XXXX account, balance of {$640.00} XXXX XXXX XXXX XXXX account, balance of {$260.00} These accounts may reflect outdated, unverifiable, or inaccurately reported datapossibly related to the same practices alleged in the XXXX case, particularly regarding hard inquiries and the accuracy of tradeline reporting. 

Under the FCRA, you are required to complete your investigation within XXXX  days of receiving this letter. Please provide written confirmation of the results of your investigation, including any corrections made to my credit file. I am also requesting a free copy of my updated credit report, which I am entitled to receive under federal law due to this dispute. 

Please consider this a formal dispute under the Fair Credit Reporting Act. I expect a prompt and lawful resolution in accordance with your obligations. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
XX/XX/XXXX - Paid off {$2300.00} balance XX/XX/XXXX - Went to use paypal credit and realized available credit was only {$59.00}. Thought I'd give it a few days and try again. 
XX/XX/XXXX - Available credit is still showing {$59.00}. Used chat support to talk to agent. He said credit would still be on hold for another week. The payment that was made on XX/XX/XXXX has already cleared/posted my bank account. He said it is policy to hold the available credit.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
i sent all 3 cras a dispute and request for full file disclosures and section 609 i never recieved anything from them and the inaccurate information is still reporting on my credit report which is a violation of the fcra 15 usc 1681

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I have data on my report for inquiries I did not initiate as I have never applied personally for a loan from these companies or received a loan from them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
Subject : Failure to Provide Retainable Copy of Credit Contract Upon Application Submission COMPLAINT : On XX/XX/year>, I contacted Barclays Bank Delaware by phone regarding the application process for the Mastercard Black Card. I spoke with multiple representatives : Customer Service at ( XXXX ) XXXX, and Agent XXXX and Supervisor XXXX XXXX from the XXXX Department at ( XXXX ) XXXX. I inquired specifically about whether I would receive a retainable copy of the signed credit agreement after submitting my application either online or by phone. These agents were kind, friendly, and as helpful as they could be considering the failure of management to provide them lawful tools. 

Both representatives confirmed that Barclays Bank Delaware does not provide consumers with a way to retain or download a copy of the signed credit agreement. This raises serious concerns regarding compliance with federal consumer protection laws. 

Pursuant to the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., and Regulation Z ( 12 CFR Part 1026 ), creditors are required to provide consumers with clear disclosures and a copy of the credit agreement in a form the consumer can keep.

Additionally, the Electronic Signatures in Global and National Commerce Act ( ESIGN Act ), 15 U.S.C. 7001 ( c ), mandates that when using electronic contracts and disclosures, financial institutions must : 1. Obtain the consumers affirmative consent to receive documents electronically ; 2. Provide disclosures in a format the consumer may retain ( e.g., download or print ) ; and 3. Inform the consumer of the hardware and software requirements necessary to access and retain electronic records. 

Barclays apparent failure to provide a means for consumers to retain a copy of the signed credit contractparticularly when electronic signatures are usedviolates the spirit and letter of both TILA and the ESIGN Act. This creates an unfair and deceptive practice that leaves consumers without critical documentation of their contractual agreement. 

To be clear : the terms and conditions are available to download and print. I have attached those documents. The signed contract containing my personal information, my SSN, and signature to form a binding contract are not available to me in a retainable form.

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 2025-05-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
NO LEGAL CONSENT TO REPORT TO PERSONAL CREDIT FOR BUSINESS/CORPORATE EXPENSE- WROTE OFF IN PROFIT AND LOSS- VIOLATION OF Law 15 USC 6802 VIOLATIONS OF Law 15 USC 1618 VIOLATION OF 15 USC CODE 1692g AND 15 USC CODE 1666b.

PLEASE STOP REPORTING ACCOUNT AND DELETE FROM PERSONAL CREDIT PROFILES

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Truist Bank no longer serviced or owned my loan after XX/XX/XXXX. I will attach a Servicing Transfer letter. On my credit report the loan shows closed and XXXX balance but recently I discovered that Trusit bank reported to all 3 credit bureaus that I was late up to 90 days in XXXX. I will attach a copy of the report. I know for a fact I did not make any late payments to Truist bank in XXXX, in fact I made no payments after XX/XX/XXXX to Truist bank. It would now seem that Truist realizes it's mistake and sent a letter stating they would request a change in reporting but nothing has happened so far. I now have an attorney involved and I can not refinance a property I own because of these erroneous mistakes they have made to my credit. This is now causing a financial hardship to me.

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 2025-05-19 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: NC

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : 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 2025-05-19 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: NC

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : 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 non-monetary relief
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2025 EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX Identity Theft Affidavit and Request for Permanent Removal of Incorrect Information under 15 U.S.C. 1681c-2 ( FCRA 605B ) Dear EXPERIAN I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request. 

Enclosed, please find the following supporting documentation : 1. copy of my credit report 2. Copy of my FTC report XXXX XXXX copy of identification I am requesting that you block and remove the fraudulent account and any associated negative information as mandated by law. The account in question are 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  Please provide written confirmation that the fraudulent information has been permanently removed from my credit file, as required under FCRA 605B. 

Thank you for your prompt attention to this matter. 

Sincerely,

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 2025-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
No contact was made to myself about student loan repayemt starting. This did not give me the option of working woth the agency to follow up on budgeting for the expense of paying back student loans resulting in a late payment that otherwise could have been avoided on my credit report. I was put of work for XXXX mo th from XX/XX/XXXX, to XX/XX/XXXX, along woth the lower pay of the new job and repaying what I could not pay during unemployment. I came in good standing once notice of repayment was shared.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Woke up this morning with my account closed due to SoFi deposit issues mind you I have not made a deposit or used my account since it was taken over so the fact they sent me this suggests that they are retaliating for me writing report and now have closed my account and still have not given any stolen money back They have robbed me on top of me having my money taken fraudulently please cfcb help me bring this situation to a close and to the light as SoFi continues to mistreat customers and steal from them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: MI

Complaint narrative:
Re : FORMAL DISPUTE & DEMAND FOR IMMEDIATE DELETION XXXX XXXX XXXXccount # : XXXX To Whom It May Concern : This letter is a formal notice of dispute regarding the account listed under XXXX XXXX XXXX Account # XXXX ), appearing on my credit reports with XXXX XXXXnd Experian. The information you are reporting is factually inaccurate, unverifiable, and in violation of multiple federal laws, including the Fair Credit Reporting Act ( FCRA ). 

INACCURACIES AND VIOLATIONS : Field XXXX Experian Equifax Account Status Indeterminate Indeterminate Missing Date Last Active XX/XX/XXXX XX/XX/XXXX ( Future ) Missing Last Reported XX/XX/XXXX XX/XX/XXXX ( Future ) Missing Payment Status Charge-Off Charge-Off Missing Date of Last Payment XX/XX/XXXX XX/XX/XXXX Missing Comments [ Blank ] CHARGED OFF ACCOUNT Missing High Credit [ Missing ] [ Missing ] Missing These are not minor inconsistencies these are gross inaccuracies that result in misleading and materially false reporting, all in violation of federal consumer protection laws. 

VIOLATED SECTIONS OF THE FCRA : 15 U.S. Code 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy.

15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a proper reinvestigation of disputed information. 

15 U.S. Code 1681i ( a ) ( 5 ) ( A ) : Failure to delete inaccurate, unverifiable, or outdated data.

15 U.S. Code 1681s-2 ( b ) : Duty of furnishers to investigate and correct disputed data.

15 U.S. Code 1681c ( a ) : Reporting of obsolete information including improper future dates. 

FUTURE DATES ARE UNLAWFUL : Your records show XX/XX/XXXX for both Date Last Active and Last Reported. This is a fabricated future date that is not only factually incorrect but legally impermissible. The account was closed in XXXX, yet it falsely appears to have activity in XXXX. This is a clear violation of the FCRA and a deceptive practice. 

DEMAND FOR ACTION : You are hereby notified that : The reporting of this account is false, inaccurate, and unverifiable. 

You are legally obligated to remove it from my credit file unless you can provide full, original documentation verifying every reported item within 30 days. 

Failure to comply will result in immediate complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible legal action under 15 U.S. Code 1681n and 1681o for willful and negligent noncompliance.

CONCLUSION : Unless you can verify the absolute accuracy of this tradeline with documented evidence, this account must be removed in its entirety from XXXX Experian, and Equifax. Your continued reporting of false, misleading, and outdated information will not be tolerated and will result in formal escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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 am filing this complaint because EQUIFAX continues to report an inaccurate late payment on my XXXX XXXX XXXX ( XXXX ) account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I already submitted a formal dispute directly to the credit bureau, providing my identification and supporting explanation. However, the bureau did not correct the information. 

Additionally, I filed a complaint with the CFPB against the creditor ( XXXX XXXX XXXX XXXX XXXX XXXX ), but the bureau continues to report this inaccurate late payment. 

Under 15 U.S. Code 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy. Under 15 U.S. Code 1681i, they are required to conduct a reasonable reinvestigation within 30 days. 

I respectfully request that the bureau review this matter again. 

A copy of my previously sent dispute letter is attached for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX date filed XX/XX/scrub>XXXX XXXX XXXX  bankruptcy has violated my rights. 15 U.S.C 1681 section 602 A. 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

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 2025-05-19 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: NC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to EQUIFAX in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: NC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to EQUIFAX in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am getting text messages from XXXX XXXX, a debt collector, stating that my HSN account is no longer with Synchrony and is now with XXXX XXXX XXXX. I contacted HSN to find that I have'nt ordered anything since XXXX  and have no debt with them. Please alert others of possible 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