vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: MD

Complaint narrative:
Subject : Unauthorized Hard Inquiry Violation of 15 USC 1681b of the FCRA To Whom It May Concern, I am writing to formally file a complaint regarding an unauthorized hard inquiry that appears on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b. I did not authorize the following company to access my credit report, nor did I apply for any credit, service, or employment that would have given them permissible purpose to perform a hard inquiry : Company Name : XXXX XXXX XXXX  Date of Inquiry : XXXXXXXX XXXX XXXX Credit Bureau Reporting the Inquiry : Equifax / XXXX XXXX  TransUnion According to 15 USC 1681b, a consumer reporting agency may furnish a consumer report only under certain permissible purposes. Since I did not initiate any transaction with the above-named entity, I am asserting that this inquiry was made without my consent or a valid reason, and therefore should not have occurred. I have already contacted the credit bureau and requested proof that this inquiry was authorized. If they are unable to provide such documentation, the inquiry must be deleted from my report, as required by federal law. I am requesting that the CFPB investigate this matter further and ensure that the credit bureaus and the company involved are held accountable for violating my rights under the FCRA. Thank you for your time and assistance in this 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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute multiple inaccurate and derogatory accounts listed on my TransUnion credit report. The following accounts are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. These entries contain factual inaccuracies, unverifiable derogatory data, and reporting inconsistencies that are damaging my credit profile. 

XXXX. Account : XXXX * * Credit Card * * Issue : Account shows two 30-day late payments but is currently Open and Current with no valid proof of delinquency Violation : FCRA 611 ( a ) requires that any derogatory item must be fully verified and accurate.

Metro 2 Concern : Late payment status reported without date-specific breakdown and no detailed account ledger Request : Remove all late payments or delete account if verifiable documentation can not be provided XXXX. Account : XXXX XXXXXXXX XXXX XXXXXXXX * * * * Issue : Account shows five 30-day late payments and was previously in dispute. 
Status reads Dispute resolved; reported by grantor, but no documentation or method of verification was ever disclosed Violation : FCRA 611 ( a ) ( 7 ) : Failure to provide method of verification FCRA 623 ( a ) ( 1 ) ( A ) : Data must be accurate and complete Request : Remove the late payments or provide full breakdown from original creditor with method of verification used 3. Account : XXXX XXXXXXXX * * * * Issue : This account reports multiple derogatory statuses ( 30, 60, 90, and 120 days late ), and also states Canceled by credit grantor Violation : Reporting is conflicting, and there's no clear documentation showing the months the late payments occurred FCRA 611 and Metro 2 require clarity, accuracy, and consistent data formatting Request : Remove all derogatory data or provide original contract/payment history showing the alleged delinquency dates XXXX. Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : This account reports as a charge-off with a {$250.00} balance, no monthly payment listed, and a vague profit and loss write-off comment Violation : FCRA 623 : Incomplete data ( no terms, no activity pattern, no creditor communication ) No legal documentation has been provided to show this balance is valid or collectible Request : Delete account entirely if full validation and ledger can not be provided FINAL DEMAND I am formally requesting a reinvestigation of all listed accounts per FCRA 611 ( a ). If TransUnion and the furnishers can not verify the accuracy of these items through documentation from the original creditors, these accounts must be permanently deleted.

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 2025-04-29 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: NJ

Complaint narrative:
I am writing to formally dispute multiple inaccurate and derogatory accounts listed on my TransUnion credit report. The following accounts are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. These entries contain factual inaccuracies, unverifiable derogatory data, and reporting inconsistencies that are damaging my credit profile. 

XXXX. Account : XXXX * * Credit Card * * Issue : Account shows two 30-day late payments but is currently Open and Current with no valid proof of delinquency Violation : FCRA 611 ( a ) requires that any derogatory item must be fully verified and accurate.

Metro 2 Concern : Late payment status reported without date-specific breakdown and no detailed account ledger Request : Remove all late payments or delete account if verifiable documentation can not be provided XXXX. Account : XXXX XXXXXXXX XXXX XXXXXXXX * * * * Issue : Account shows five 30-day late payments and was previously in dispute. 
Status reads Dispute resolved; reported by grantor, but no documentation or method of verification was ever disclosed Violation : FCRA 611 ( a ) ( 7 ) : Failure to provide method of verification FCRA 623 ( a ) ( 1 ) ( A ) : Data must be accurate and complete Request : Remove the late payments or provide full breakdown from original creditor with method of verification used 3. Account : XXXX XXXXXXXX * * * * Issue : This account reports multiple derogatory statuses ( 30, 60, 90, and 120 days late ), and also states Canceled by credit grantor Violation : Reporting is conflicting, and there's no clear documentation showing the months the late payments occurred FCRA 611 and Metro 2 require clarity, accuracy, and consistent data formatting Request : Remove all derogatory data or provide original contract/payment history showing the alleged delinquency dates XXXX. Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : This account reports as a charge-off with a {$250.00} balance, no monthly payment listed, and a vague profit and loss write-off comment Violation : FCRA 623 : Incomplete data ( no terms, no activity pattern, no creditor communication ) No legal documentation has been provided to show this balance is valid or collectible Request : Delete account entirely if full validation and ledger can not be provided FINAL DEMAND I am formally requesting a reinvestigation of all listed accounts per FCRA 611 ( a ). If TransUnion and the furnishers can not verify the accuracy of these items through documentation from the original creditors, these accounts must be permanently deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account as soon as possible from my report or I will have to take legal action!

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
AMEX ( CLOSED ACCOUNT ) OPEN DATE XX/XX/XXXX BALANCE {$18000.00} LAST ACTIVITY XX/XX/XXXX DISPUTE REASON ( ACCOUNT SHOWS AS CHARGED OFF WITH INACCURATE PAST DUE OF {$14000.00} ; " CONSUMER DISAGREES '' REMARK RAMAINS AFTER RESOLUTION ) ACTION REQUESTED [ DELETE FOR VIOLATING 15 USC 1681e ( b ) and 1681s-2 ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
XXXX XXXX XX/XX/year> TD Bank, NA Attn : XXXX XXXX XXXX XXXX XXXX XXXX * * Re : * * CFPB Complaint # XXXX | Account Ending XXXX Dear TD Bank, I am writing in response to your letter dated XX/XX/year>, requesting that I visit a TD Bank branch to resolve my complaint filed with the Consumer Financial Protection Bureau ( CFPB ). 

This demand is unreasonable and impossible to fulfill, as I do not reside in a state with TD Bank branches and can not travel for this purpose. Federal law requires financial institutions to provide accessible, non-discriminatory methods to resolve disputes.

I demand the following in writing within 10 business days : 1. A detailed explanation of why my presence at a branch is required.

2. A full accounting of the closed account ( # XXXX ), including : - The reason for closure. 
- Any funds owed to me ( with interest ). 
- Documentation of fraud investigations ( if applicable ). 
3. A remote resolution process ( e.g., notarized affidavit, video call, or secure document upload ).

Failure to comply will result in escalated complaints to the CFPB, Office of the Comptroller of the Currency ( OCC ), and Virginia Attorney General for violating : - CFPB Bulletin XXXX ( requiring accessible dispute resolution ). 
- EFTA/Regulation E ( if funds were withheld ). 

Contact me immediately at XXXX to resolve this. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MN

Complaint narrative:
I have been on the SAVE plan and Im in forced forbearance for months. The interest should be set to XXXX  % during this time. Interest started accumulating last month. XXXX and MOHELA, my servicer, will not do anything to stop the interest from increasing or set it back to XXXX while all of this gets sorted. Multiple other people are also having the same issue and getting the same response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, This letter is a formal notice to dispute inaccurate and unverifiable information currently reported on my credit file with your bureau, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i & 1681s-2 ( b ). 
The following collection account ( XXXX ) are reporting incorrect information and are in direct violation of the FCRA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are legally obligated to complete a thorough investigation within 30 days of receiving this notice and to remove or delete any unverifiable or inaccurate information. If you can not prove the accuracy of this account with original signed documentation, I demand the immediate deletion of the account from my file, as required by FCRA 611 ( a ) ( 5 ) ( A ). 
I request that the results of this dispute be sent to me in writing. This is my first formal dispute, and I expect full compliance with federal law. 
Please mail the updated credit report reflecting the changes. 
Sincerely, 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 2025-04-29 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: FL

Complaint narrative:
To Whom It May Concern, This letter is a formal notice to dispute inaccurate and unverifiable information currently reported on my credit file with your bureau, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i & 1681s-2 ( b ). 
The following collection account ( XXXX ) are reporting incorrect information and are in direct violation of the FCRA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are legally obligated to complete a thorough investigation within 30 days of receiving this notice and to remove or delete any unverifiable or inaccurate information. If you can not prove the accuracy of this account with original signed documentation, I demand the immediate deletion of the account from my file, as required by FCRA 611 ( a ) ( 5 ) ( A ). 
I request that the results of this dispute be sent to me in writing. This is my first formal dispute, and I expect full compliance with federal law. 
Please mail the updated credit report reflecting the changes. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, I filed a dispute through XXXX XXXX regarding my report and remarks listed. The dispute was closed and denied by Lobel Financial. Subsequently, I sent a Certified Mail directly to XXXX  to file another dispute, which was received on XX/XX/year>, at XXXX PM. Enclosed in the Certified Mail were supporting documents, including : Proof of payment ( Copy of Cashier 's Check ) Receipt ( {$28000.00} ) Letter from Lobel Financial confirming the account is Paid in Full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-04-29 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 have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: LA

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 non-monetary relief
Consumer complaint received 2025-04-29 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:
XXXX XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXXXXXX 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 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 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 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 Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: UT

Complaint narrative:
On XX/XX/XXXX, I looked at my bank accounts and all my money was gone. I went to bank, and did everything they asked, I live in Utah, found out someone in XXXX XXXX Minnesota, somehow stole my identity, and walked into bank and cleaned out my accounts. We have closed 2 of the 3 accounts effected. But can not close last checking account due to social security can't change banks for 2 months, so we need to leave account open till XXXX. Bank said they won't start investigation, till we close account, or give us our money back.

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 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I closed on a refinance with XXXXXXXX XXXX XXXX XXXXXX/XX/year> from my previous mortgage company Fifth/Third Bank . Fifth/Third Bank received {$150000.00} on the XX/XX/year>. From this amount they applied an additional payment to the loan in the amount of {$1200.00} instead of applying the entire {$150000.00} to the payoff amount that was sent to XXXX XXXX  which was {$150000.00} valid through XX/XX/XXXX. This left a balance of {$1600.00} after the disbursement date of XX/XX/year>. There is also XXXX separate unapplied credits in the amount of {$1200.00} which I did not initiate. I have not missed a payment during the time I have had my loan with Fifth/Third Bank and the only late fee I have is from when we were closing on the refinance. I also have my XXXX XXXX bank account used for mortgage payments statements available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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