vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
b'XXXX XXXX \nXXXX XXXX XXXX XXXX XXXX XXXX Fl,XXXX XXXX XXXX\n\n XXXX XXXX XXXX XXXXn\nConsumer Relations Dept.:\nI have recently been informed that there is negative information reported by..\n\n1Bank Name: TD BANK NA\nBank Routing #: XXXX Account #: XXXX\n\n2. Bank Name: TD BANK NA\nBank Routing #: XXXX Account #: XXXX\n\n3.. Bank Name: TD BANK NA\nBank Routing #: XXXX Account #: XXXX\n\nXXXX XXXX XXXX, maintains under my Social Security number. Upon ordering a copy of the report, I see an entry from this bank listing a [condition, e.g., NSF, overdraft, account abuse] in XXXX to XXXX\nI am unaware of ever having a [same condition] from this bank. Please validate this information with \n\n1.. Bank Name: TD BANK NA\nBank Routing #: XXXX Account #: XXXXXXXX\n\n2. Bank Name: TD BANK NA\nBank Routing #: XXXX  Account #: XXXX\n\n3.. Bank Name: TD BANK NA\nBank Routing #: XXXX  Account #: XXXX\n\n\n and provide me with copies of any documentation associated with this [same condition] bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the file you maintain under my Social Security number.\nYou have 30 days to verify this information and to provide me with a document bearing my original signature. If you cannot, I am demanding removal under the Fair Credit Reporting Act.\nThis report is severely restricting my banking abilities.\nMy contact information is as follows:\nXXXX XXXXnXXXX\nXXXX\nXXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX  XXXX  XXXX\n \nSincerely,\nXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: NJ

Complaint narrative:
I am writing to formally dispute a hard inquiry that appears on my credit report with TransUnion, which I did not authorize. The inquiry in question is from XXXX XXXX XXXX XXXX, dated XX/XX/year>25. 
Under the Fair Credit Reporting Act ( FCRA ) 604 ( 15 U.S. Code 1681b ), a consumer reporting agency may only furnish a consumer report under specific circumstances, one of which includes the consumer 's authorization. I have not applied for credit or given written permission or any affiliated entity to access 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 non-monetary relief
Consumer complaint received 2025-07-22 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:
per fcra 15 usc 1681c2 i am a victim of identity theft i am requesting that all fraudulent information from identity theft be blocked from my credit report the credit bureau is required by law to remove this information once proper notice and documentation are provided These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
per fcra 15 usc 1681c2 i am a victim of identity theft i am requesting that all fraudulent information from identity theft be blocked from my credit report the credit bureau is required by law to remove this information once proper notice and documentation are provided These are the accounts 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 non-monetary relief
Consumer complaint received 2025-07-22 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:
I've worked hard to build my credit so, take this seriously. I found some big mistakes that are really hurting my score and these inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. I need you to make sure all of my information is 100 % correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting really upset and I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-07-22 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: NV

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Reporting ads Charge Off not accurate information.

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 2025-07-22 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: CA

Complaint narrative:
For past 4 years I have repeatedly tried to file disputes on same collection accounts and loans with TransUnion, Experian, and Equifax. Years back I had bad case of identity theft. I made ftc reports and police reports and promptly sent notification for deletion to all three reporting agencies and all companies included in the fraud. Some accounts were deleted and later added again. Most just stayed even with no validation. Under Fair Credit Reporting they are legally required to removed such accounts but have refused again and again.

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 2025-07-22 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: RI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-22 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: EQUIFAX, INC.
State: RI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Healthcare Finance Direct LLC.
State: OH

Complaint narrative:
I began a financing agreement in XX/XX/XXXX with XXXX and received my XXXX XXXX XXXX upfront in one shipment. Around the end of XXXX, I learned that XXXX had filed for bankruptcy and ceased operations.

When I first opened the account, I received a text message from Healthcare Finance Direct ( HFD ) with login instructions. However, I primarily tracked my progress and account through the XXXX mobile app, which is now disabled and inaccessible.

I received no follow-up communications from HFD informing me that I would still be billed or that the loan would remain active after XXXX  shutdown. Since there was no ongoing treatment or service involved and the company had closed I believed the loan had effectively ended. 

On XX/XX/XXXX, I received a phone call stating my payment was late, and only then realized I had still been charged monthly without clear notification. I had no access to my account during this entire period and no support.

I believe this is an unfair billing practice given that XXXX is no longer operating and can not fulfill any future support or corrections. I am requesting a review of the account, a stop to all further billing, and a refund of payments made after the company ceased operations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
I reviewed my credit report and was shocked to find i has been a victim of identity theft I do not recognize this account please remove this from my report and is hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
I reviewed my credit report and was shocked to find i has been a victim of identity theft I do not recognize this account please remove this from my report and is hurting my ability to obtain 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 2025-07-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
On XX/XX/year>2025, I sent a formal Debt Validation Letter to Helvey & Associates via XXXX Certified Mail # XXXX, disputing an alleged XXXX XXXX debt for {$160.00}. Under the Fair Debt Collection Practices Act ( FDCPA ), they were legally obligated to validate the debt before continuing collection activity or reporting to any credit bureau. 

As of today, they have failed to respond in any way. No validation has been provided. No documentation proving the validity of the debt was sent. Despite this, the account is still listed on my credit report, which constitutes ongoing collection activity. 

This is a direct violation of 15 USC 1692g ( b ) and possibly 1692e ( 8 ) if the debt is being reported as valid without verification.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: WI

Complaint narrative:
XXXX XXXX XXXX is furnishing negative information to all three major credit bureaus ( Experian, XXXX and XXXX ) for an alleged debt. However, XXXX is not licensed as a collection agency in the State of Wisconsin, which is required under Wis. Stat. 218.04 to legally collect debts or report such accounts in the state.

I verified through the Wisconsin Department of Financial Institutions ( DFI ) license search that XXXX XXXX XXXX does not hold an active license to operate as a collection agency here. I am attaching that evidence.

By reporting derogatory account information to credit bureaus while unlicensed, they are in violation of : FCRA 623 ( 15 U.S.C. 1681s-2 ) Furnishing inaccurate or unverifiable information Wisconsin Statute 218.04 Engaging in unlicensed debt collection I have disputed this item with Experian, XXXX, and XXXX  and provided documentation showing XXXX is not authorized to report debts in Wisconsin. However, the account remains.

I am requesting that the CFPB investigate this company and compel the deletion of the account from all credit reports. XXXX should not be permitted to report or collect any debts in a state where they are not legally authorized to operate.

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 2025-07-22 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: EQUIFAX, INC.
State: WI

Complaint narrative:
XXXX XXXX XXXX is furnishing negative information to all three major credit bureaus ( XXXX, Equifax, and XXXX  ) for an alleged debt. However, XXXX is not licensed as a collection agency in the State of Wisconsin, which is required under Wis. Stat. 218.04 to legally collect debts or report such accounts in the state.

I verified through the Wisconsin Department of Financial Institutions ( DFI ) license search that XXXX XXXX XXXX does not hold an active license to operate as a collection agency here. I am attaching that evidence.

By reporting derogatory account information to credit bureaus while unlicensed, they are in violation of : FCRA 623 ( 15 U.S.C. 1681s-2 ) Furnishing inaccurate or unverifiable information Wisconsin Statute 218.04 Engaging in unlicensed debt collection I have disputed this item with XXXX, Equifax, and XXXX and provided documentation showing XXXX is not authorized to report debts in Wisconsin. However, the account remains.

I am requesting that the CFPB investigate this company and compel the deletion of the account from all credit reports. XXXX should not be permitted to report or collect any debts in a state where they are not legally authorized to operate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
XXXX XXXX 2021 XXXX Asked them to remove and wouldn't

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX Refuses to Remove Fraudulent Account Despite Promise to Delete Letter and Full Payment To the Consumer Financial Protection Bureau, I am submitting this formal complaint against XXXX XXXX ( located at XXXX XXXX XXXX, XXXX, CA XXXX | ( XXXX ) XXXX ) for failing to remove a fraudulent account from my credit report, despite multiple disputes and a written agreement to delete the account upon payment. 

Background : An account was reported on my credit report by XXXX XXXX that I did not open or authorize. 
I disputed the account multiple times with the credit bureaus and with XXXX XXXX, clearly explaining that I was not the responsible party and had no knowledge of the account. 
Despite my efforts, XXXX XXXX continued to verify the account as accurate, failing to provide adequate documentation or resolution. 
In an effort to minimize further damage to my credit, I paid the full amount of {$190.00} on XX/XX/year>, using my debit card ending in XXXX. 
I received a Promise to Delete Letter from XXXX XXXX XXXX signed by their representative, XXXX XXXX, stating the account was paid in full and they would delete the account from all credit bureaus immediately. 
As of today, the account remains on my credit report and XXXX XXXX has failed to honor their written promise. 

Violations : XXXX XXXX actions appear to violate multiple provisions under the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA 611 ( 15 U.S. Code 1681i ) : Failure to reasonably investigate and correct inaccurate or fraudulent account information after a consumer dispute.

FCRA 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) : Duty to maintain maximum possible accuracy. Continuing to report a disputed account without properly verifying its legitimacy is a violation.

FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S. Code 1681s-2 ) : Furnishing inaccurate information to a credit reporting agency after being notified by the consumer.

Breach of Contract : Failing to uphold the terms of their own written agreement to delete the account once payment was made in full.

Requested Resolution : Immediate deletion of the account from all credit reporting agencies ( XXXX, XXXX, and TransUnion ) A written confirmation of the account deletion from XXXX XXXX Investigation and enforcement action from the CFPB for XXXX XXXX deceptive and noncompliant conduct I have attached a copy of the Promise to Delete Letter from XXXX XXXX as supporting evidence. 

Thank you for your attention to this matter. I respectfully request a thorough investigation and prompt resolution.

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