vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I opened a Target Circle credit card issued by TD Bank and used it to make a purchase. But I was never able to access my statements or balance. The online system kept redirecting me to the Target Debit portal, and I could never view or pay my credit card balance.

I reached out to Target Guest Services in XXXX and XX/XX/year> explaining the issue and requesting help. I never received a full breakdown of charges or a working way to make payment. I also received no paper statements or billing alerts. The system showed {$0.00} balance at the time. 

Then in XX/XX/year>, I received a collections notice from XXXX XXXX  with no warning or opportunity to resolve the debt. I still dont know the exact amount I owe, only that the account was suddenly in collections for unknown fees. 

Im not disputing the purchase. Im disputing how TD Bank and Target handled billing access and communication. Ive been denied the chance to pay properly, and my credit has been damaged because of a system failure I reported. 

What Im requesting : A clear, itemized breakdown of what I owe. 
Waiver of all late fees/interest caused by system issues. 
Deletion of any negative credit reporting tied to this incident. 
A valid way to resolve the balance. 

This was not refusal to pay it was a total lockout, documented and ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 


UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Entries for late payments appear on my credit report that I believe are inaccurate, and under 15 USC 1681e ( b ) and 15 USC 1681i, my report must contain only information that is accurate, complete, and verifiable ; therefore, I request that these late payment entries be verified, and if they can not be confirmed, they should be corrected or removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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
Consumer complaint received 2025-08-14 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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:
SEE ATTACHMENTS, I have already sent a previous dispute and they have not proven anything CFPB I need them to dispute this, the image evidence

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: CA

Complaint narrative:
I am filing this complaint against Transunion for their continued reporting of a late payment accounts on my credit report which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is not only a gross inaccuracy, but it also violates multiple provisions under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] and 607 ( b ) [ 15 U.S.C.

1681e ( b ) ]. I previously submitted a formal dispute regarding these inaccurate entries, yet Transunion failed to conduct a meaningful or lawful reinvestigation. They did not contact the furnisher nor provide any documentation verifying its accuracy. Their handling of the dispute shows noncompliance with the FCRAs requirement to conduct a reasonable reinvestigation. Transunion appears to rely solely on automated systems such as e-OSCAR rather than performing an actual manual review of disputed items or original records. This kind of automated verification process is insufficient under the FCRA, and can not meet the standard of a 'reasonable ' reinvestigation. Further, under FCRA 607 ( b ), Transunion has a legal obligation to ensure the maximum possible accuracy of the information they report. Maintaining a late payment account on my record, with no documentation or proper validation, is a clear and damaging violation of that duty. This error has harmed my credit reputation, caused emotional distress, and denied me access to financial opportunities. I am also aware that In XXXX CFPB enforcement action ( CFPB & FTC v. TransUnion ), in which your agency was fined {$23.00} XXXX for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law..

My experience is consistent with those systemic issues and shows these practices are still ongoing. I am requesting the CFPB to require Transunion to immediately delete the inaccurate information from my credit report, issue a full explanation of their investigation process, and hold them accountable for violating my rights as a consumer. If necessary, I am prepared to pursue compensation for damages under FCRA 1681n and 1681o. I have attached my formal dispute letter dated XX/XX/XXXX, which further outlines my concerns and demands. I respectfully ask the CFPB to investigate this matter and enforce compliance with federal 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 explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: NY

Complaint narrative:
On closed charged off accounts they keep changing my payment history after every dispute to affect my credit score and payment history negatively its seem like they are violating my fcra rights by changing the payment history if they dont like a dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
This is a follow-up to CFPB complaint # XXXX. I am submitting a regular FCRA 611 dispute ( not identity theft ) regarding inaccurate reporting by XXXX and Affirm. Despite my formal dispute submitted on XX/XX/year>, the disputed accounts remain on my credit report. The three AFFIRM INC accounts continue to show charged-off balances with monthly updates reflecting re-aging : XXXX {$260.00} charged off XXXX {$230.00} charged off XXXX {$1200.00} charged off XXXX updated the accounts cosmetically ( clearing original balance fields, adding a consumer dispute note ) but did not delete the accounts as requested. Affirm verified the debts, yet the continued monthly charge-off reporting constitutes inaccurate reporting under FCRA 1681i ( a ) and 1681s-2 ( a ) ( 1 ) ( B ) and violates FDCPA 1692e ( 8 ). 

I hereby submit formal intent-to-sue notice and demand immediate deletion of all three accounts within 10 calendar days. If the accounts are removed as requested, I will consider this matter resolved and no legal action will be taken. Failure to comply will result in federal lawsuits seeking statutory, actual, and punitive damages. 

Attached are screenshots of the accounts, prior dispute confirmations, and legal notice letters supporting my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: TX

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: MI

Complaint narrative:
Equifax violated my rights as a consumer by not blocking FRAUDULENT information resulted from identity theft by Equifax furnishing these accounts on my consumer report. I, the consumer, demanded a block on the fraudulent information pursuant to 15 U.S. Code 1681c-2 no later than four ( 4 ) business days after the date of receipt. Equifax responded to my CFPB complaint on XX/XX/year> that my complaint was received. However, as of XX/XX/year> the information is still not blocked and removed, please note XXXX has already blocked and removed this information. I have attached all required consumer documents for Equifax to block the fraudulent information ; a copy of government issued identification card, a copy of a current utility bill, a copy of an identity theft report, a statement by the consumer in the identity theft report and CFPB complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I just opened a new checking account on TD bank just one month past i don't have much transaction history on account there are few transactions i have recipets proof and complete data for every single of my transaction nothing is suspicious everything legit 100 % they ask me to visit branch multiple times firstly when i tried to make my first transaction second when i tried to XXXX money to my own business account and thirdly again same reason they locked my account again and ask me go to the branch again when i went there they tell me they permanently closed the account and black listed me for no reason even the branch employees were confused why did that happened i just opened the account visited branch multiple times for verification i demand this Bank either unblock my account or either tell me better explanation why they black listed me like that for no reason i just had an account with them for just one month with not much transaction history and if they need any kind of proof or explanation regarding certain transaction or infact any i can surely provide solid evidence and data behind those transactions and proof 100 % legitimacy of them. I will upload them once they clear me which transactions triggered them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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 filing this complaint against Equifax for willful and repeated violations of the Fair Credit Reporting Act ( FCRA ) in connection with an identity theft dispute I submitted on XX/XX/2025. Despite providing Equifax with a complete FTC Identity Theft Report, proof of identity, proof of address, and signed statements under penalty of perjury, Equifax has failed to block or delete multiple fraudulent accountsincluding XXXXXXXX XXXX XXXX XXXX XXXX XXXX my credit file as required under FCRA 605B. These accounts were confirmed by the original creditors as being opened fraudulently, yet Equifax has not removed them within the four business days mandated by law, nor have they provided the results of a proper reinvestigation under FCRA 611 ( a ). Their failure to act has caused significant financial and emotional harm, including credit denials and reputational damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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 am disputing an inaccurate late payment reporting by [ XXXX XXXX ] for the account ending in [ XXXX ] My credit report shows a late payment for [ XXXX XXXX  ], but I made the payment on [ Payment Date ], which was on or before the due date of [ XXXX XXXX XXXX ] I have proof of on-time payment, including : 1. Bank statement showing the transaction 2. Account statement from [ XXXX XXXX  ] showing payment has been made on the due date Im This is inaccurate and violates the Fair Credit Reporting Act ( FCRA ), which requires that all furnished information be complete and correct. 

I request that the CFPB require [ XXXX XXXXXXXX ] to correct this inaccurate late payment and confirm the correction with all credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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 am disputing an inaccurate late payment reporting by [ XXXX  XXXX ] for the account ending in [ XXXX ] My credit report shows a late payment for [ XXXX, XXXX  ], but I made the payment on [ XXXX XXXX ], which was on or before the due date of [ XXXX XXXX XXXX ] I have proof of on-time payment, including : 1. Bank statement showing the transaction 2. Account statement from [ XXXX  XXXX ] showing payment has been made on the due date Im This is inaccurate and violates the Fair Credit Reporting Act ( FCRA ), which requires that all furnished information be complete and correct. 

I request that the CFPB require [ XXXX XXXX ] to correct this inaccurate late payment and confirm the correction with all credit bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: TX

Complaint narrative:
I am disputing an inaccurate late payment reporting by [ XXXX  XXXX ] for the account ending in [ XXXX ] My credit report shows a late payment for [ XXXX, XXXX  ], but I made the payment on [ XXXX XXXX ], which was on or before the due date of [ XXXX XXXX XXXX ] I have proof of on-time payment, including : 1. Bank statement showing the transaction 2. Account statement from [ XXXX  XXXX ] showing payment has been made on the due date Im This is inaccurate and violates the Fair Credit Reporting Act ( FCRA ), which requires that all furnished information be complete and correct. 

I request that the CFPB require [ XXXX  XXXX ] to correct this inaccurate late payment and confirm the correction with all credit bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: TX

Complaint narrative:
Subject : Formal Dispute of Inaccurate/Unverifiable Account Account Number : [ XXXX Dear TransUnion, The accuracy and completeness of XXXX  Status Reported : Collection / Charge-Off Original Balance : {$630.00} Opened Date : XX/XX/XXXX Reported Date : XX/XX/XXXX This entry is disputed under the Fair Credit Reporting Act ( FCRA ), specifically regarding accuracy and the reporting of unverifiable information. The " Remarks '' on the report state " Account information disputed by consumer, meets FCRA requirements, '' however, the continued reporting of this charge-off/collection, and any associated monthly reporting, is either inaccurate, unverifiable, or exceeds permissible reporting periods if the original date of delinquency was significantly earlier than the " Opened Date '' shown. 
A thorough re-investigation of this account is requested to verify its accuracy and legitimacy. If the reporting entity can not provide complete and verifiable evidence supporting the validity of this debt and its reporting, the account should be promptly removed from the credit report. 
Furthermore, if monthly updates on this charge-off or collection are being reported, any such reporting that is not in compliance with FCRA regulations should cease, especially if the account is unverifiable or beyond the permissible reporting period.

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 2025-08-14 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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-08-14 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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief