vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting an FTC report for 3 accounts which were removed prior from my consumer report under FCRA 605B! They have reappeared onto my consumer report without any kind of written notification! I have refiled these accounts through the FTC to once again to be addressed under FCRA 605b! | have sighted FCRA consumer law as well so that these accounts are removed again! I am prepared to file a lawsuit next step as I demand these accounts are immediately blocked removed and will not show back up on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting an FTC report for 3 accounts which were removed prior from my consumer report under FCRA 605B! They have reappeared onto my consumer report without any kind of written notification! I have refiled these accounts through the FTC to once again to be addressed under FCRA 605b! | have sighted FCRA consumer law as well so that these accounts are removed again! I am prepared to file a lawsuit next step as I demand these accounts are immediately blocked removed and will not show back up on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: TN

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 2025-04-06 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: SC

Complaint narrative:
i am writing to dispute inaccurate hard inquiries on my credit report. It seems I am a victim of identity theft as these inquiries are not mine. They are fraudulent and I need help to remove them immediately. Thank you. Inquiries are as follows XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX services XX/XX/XXXX, I have included all documentation in this report, Thank you for your time and response in this timely matter

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 2025-04-06 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: EQUIFAX, INC.
State: SC

Complaint narrative:
i am writing to dispute inaccurate hard inquiries on my credit report. It seems I am a victim of identity theft as these inquiries are not mine. They are fraudulent and I need help to remove them immediately. Thank you. Inquiries are as follows XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX services XX/XX/XXXX, I have included all documentation in this report, Thank you for your time and response in this timely matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax has deleted XXXX XXXX  now its back showing on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: AL

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

Company 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 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, Im filing a complaint against TD Bank regarding their recent {$500.00} business checking promotion, which I participated in and believe I rightfully earned but was denied due to what appears to be a deceptive and unfair technicality.

Promotion Terms ( as advertised ) : Deposit at least {$2500.00} within the first 25 days of account opening. 
Maintain a {$2500.00} minimum daily balance for 90 days from the XXXX day after account opening. 
Complete XXXX qualifying transactions ( ACH, bill pay, or Merchant Solutions settlements ) within the first three statement cycles. 

I opened my business checking account on XX/XX/XXXX and successfully : Deposited {$2500.00} within the first 25 days, Maintained the required balance for the 90-day period, Completed 25+ qualifying transactions in XX/XX/XXXX and XX/XX/XXXX. 

Despite meeting all requirements in good faith, XXXX XXXX denied me the {$500.00} bonus due to the way they manipulated the definition of statement cycles. Specifically, they issued my first statement cycle as XXXX XXXX 3, which is highly questionable because my account wasnt even opened until XX/XX/XXXX. That three-day statement essentially started before my account even existed, giving me no fair opportunity to meet the promotional terms within what they claimed was my first cycle. 

This appears to be an arbitrary and deceptive practice using a 3-day statement cycle as the first of three to reduce the customers chance of qualifying. The transactions I performed in XXXX and XXXX should have been counted, but instead were deemed outside the first three statement cycles due to this tactic.

I am requesting the CFPB investigate this practice and require TD Bank to honor the promotional bonus as advertised. This manipulation of statement timing, especially with an initial 3-day period before account activity was even possible, seems unfair and potentially misleading. 

I can provide : Proof of account opening date ( XX/XX/XXXX ), TD Banks statement showing XX/XX/XXXX as the first cycle, Transaction records showing fulfillment of all promotion terms.

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST HORIZON BANK
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, Im submitting this complaint regarding a promotional offer from First Horizon Bank for a new business checking account, which promised a bonus of {$800.00} for meeting specific criteria. I fulfilled the requirements under the promotion, but due to the banks failure to issue my debit card, I was unable to complete the necessary transactions and was ultimately denied the bonus.

Promotion Terms : XXXX {$25000.00} into a new BizEssentials Checking account within 15 days of account opening. 
Maintain a {$25000.00} collected daily balance for the first t

hree full statement cycles.

Complete 20 qualifying transactions ( such as debit card purchases, ACH, etc. ) within the first three full statement cycles.

I successfully deposited {$25000.00} within the required timeframe and maintained the balance as specified. However, I never received a debit card from XXXX XXXX despite reaching out to the bank. As a result, I was unable to complete the 20 required transactions, through no fault of my own.

This has been a frustrating and disheartening experience. I took all the necessary steps to comply with the promotions terms, and its extremely unfair to be disqualified due to the banks failure to provide the basic tools ( i.e., a debit card ) needed to fulfill the offer. 

I am requesting that the CFPB investigate this matter and hold XXXX XXXX accountable for denying a bonus that I would have qualified for had they fulfilled their responsibility to equip me with a debit card in a timely manner. 

I can provide : Documentation showing my {$25000.00} deposit, Account balance records showing compliance with the 90-day requirement, Email or records of communications regarding the missing debit card, The original promotion terms. 

Thank you for your help and attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: LA

Complaint narrative:
I checked my credit report a few months ago and seen things on there that was inaccurate. So I tried to dispute them the best way possible but with some luck I got a few things done.. but this premier bank card account on there is not helping and its bringing score down when it was closed .. and in the comments it told me it was fallen in the fair credit code.. but its still reporting on my credit as late payments and I didnt open the account and they kno it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: LA

Complaint narrative:
I checked my credit report a few months ago and seen things on there that was inaccurate. So I tried to dispute them the best way possible but with some luck I got a few things done.. but this premier bank card account on there is not helping and its bringing score down when it was closed .. and in the comments it told me it was fallen in the fair credit code.. but its still reporting on my credit as late payments and I didnt open the account and they kno it

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 2025-04-06 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: Larry H. Miller Group of Companies
State: WI

Complaint narrative:
Have disputed these inquiries with all 3 credit bureaus and they have still not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: VA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I feel that my federally protected consumer rights to privacy and confidentiality, as outlined in 15 U.S.C. 1681, have been blatantly violated by the accounts and inquiries listed below. This isnt just a technical issue for meits personal. It undermines the trust I have that my private information is safe and respected.

From my perspective, these are the ways my rights have been trampled : * 15 U.S.C. 1681, Section 602 ( A ) : The law guarantees me the right to privacy, something I hold dear. Seeing these inquiries pop up on my report without my permission makes me feel exposed and unprotected.

* 15 U.S.C. 1681b, Section 604 ( A ) ( 2 ) : This section says no one should be able to pull my credit information without my written consent. I never gave anyone permission for these inquiries, and it frustrates me to see them there like I dont have a say in my own life.

* 15 U.S.C. 1681c ( a ) ( 5 ) : The law states that negative information older than seven yearsexcept criminal convictionsshouldnt be on my report. If these inquiries are that old, I dont understand why theyre still haunting my credit history.

* 15 U.S.C. 1681s-2 ( A ) ( a ) : No one should be allowed to report something about me if they know its wrong. These inquiries dont reflect my actions or choicesthey dont belong to me, and they shouldnt be tarnishing my name.

Because of all this, I demand the immediate removal of the following inquiries from my credit report. I dont recognize them, and I never approved them : * XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-04-07 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: WA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXXDebt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX writing to formally dispute multiple late payments reported on my credit file, which are inaccurate due to a situation involving unauthorized access to my personal accounts.

For the past year or 2, I experienced a pattern of unexpected missed payments across several of my credit accounts. At the time, I was in a relationship where the person I was dating had access to my personal laptop and logins. Following the end of that relationship, I discovered that several of my accounts had been tampered with including the disabling of autopay settings, the removal of saved payment methods, and changes to my email and notification settings.

This individual later admitted over the phone that they accessed my accounts out of spite and interfered with my financial information, which I did not notice immediately. These actions directly led to multiple missed or late payments on accounts that were previously in good standing.

Since uncovering this, I have : Secured all of my financial accounts.

Taken steps to ensure this situation will not happen again Under the Fair Credit Reporting Act, I am exercising my right to dispute these inaccurate negative marks. Specifically : 15 U.S. Code 1681s2 requires furnishers to report accurate information and correct any errors upon notice 15 U.S. Code 1681i requires credit reporting agencies to investigate disputed items and remove any unverifiable or inaccurate information within 30 days Because these late payments were the result of unauthorized interference not willful nonpayment or neglect I am requesting that they be removed from my credit report. If the furnishers can not verify with documentation that I personally made the changes that led to these missed payments, I ask that the items be deleted in accordance with federal law. Thank you for your time and attention to this matter. Please notify me of the outcome of your investigation.

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing a charged-off/closed account with Launch Servicing that was originally charged off in XX/XX/year>. Since filing a dispute, Experian updated the account to " Paid, Closed. {$1200.00} written off. '' and removed the original on record until date entirely. While this might appear resolved, the account now lacks a clear fall-off date, and the payment history does not match XXXX or XXXX. Experian shows a steady decline into charge-off ending in XXXX 2019, but other bureaus are now showing altered timelines. This inconsistency indicates unfair and inaccurate reporting, which violates FCRA rules. It also shows signs of possible re-aging and intentional manipulation of the record timeline.

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 2025-04-06 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 a victim of identity theft and I am asking for information and accounts removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: IL

Complaint narrative:
Transunion has information that is incorrect/ fraud on my report. I have asked for proof/valiadtion including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; 2. The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and XXXX XXXX. 

Received nothing and still on my report Incorrect/fraudulent items : XXXX. XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX - {$640.00} - The account does not belong to me. 
XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX - {$1000.00} - XXXX. XXXX XXXX XXXX - XXXX # XXXX - {$610.00} - The account does not belong to me. 
XXXX. XXXX XXXX XXXX - XXXX # XXXX - {$420.00} - The account does not belong to me. 
XXXX. XXXX XXXX XXXX - XXXX # XXXX - {$1300.00} - The account does not belong 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 non-monetary relief