vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Hard credit inquiry pulled on XX/XX/year> Called and filed a complaint and requested hard inquiry removed and requested a fraud report to be filed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard credit inquiry pulled on XX/XX/year> Called and filed a complaint and requested hard inquiry removed and requested a fraud report to be filed XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX Hard credit report pilled on XX/XX/year> Called and filed a complaint and requested hard inquiry removed and requested a fraud report to be filed. Learned the card was issued and maxed out XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Hard credit report pilled on XX/XX/year> Called and filed a complaint and requested hard inquiry removed and requested a fraud report to be filed XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX Hard credit report pilled on XX/XX/year> Called and filed a complaint and requested hard inquiry removed and requested a fraud report to be filed Nordstrom/TD Bank XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX  XXXX Hard credit report pilled on XX/XX/year> Called and filed a complaint and requested hard inquiry removed and requested a fraud report to be filed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and XXXX  data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: NY

Complaint narrative:
This serves as formal notice and demand regarding the inaccurate and unlawful reporting of the charge-off account listed above. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), and I will not hesitate to pursue legal action if this violation is not corrected immediately. 
Let me be crystal clear : You are currently reporting a charge-off account that has not been fully verified according to federal law. Per 15 U.S.C. 1681i, you are REQUIRED to conduct a reasonable investigation upon request and provide proof that the information youre furnishing to the credit bureaus is 100 % accurate and verifiable. So far, youve failed to do so. I demand the following immediately : Full validation of this alleged debt, including a signed contract bearing my signature. 
A complete payment history and breakdown of charges. 
Proof that you have legal authority to report this debt. 
If this account has been sold or transferred, include documentation reflecting the chain of custody. 
Until you can provide the above, this charge-off is considered unverified and must be deleted immediately from all consumer reporting agencies, including but not limited to XXXX, Equifax, and XXXX. 
Let this serve as your final warning :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Repeated harassing calls demands to speak with someone other than me refuses to provide details calling from multiple numbers which I block repeatedly and still calling nonstop every day Im not the owner of the debt they are trying to collect they need to stop all calls immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
* * Equifax Information Services LLC * * XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX Subject : Fraudulent Accounts - Request for Removal To Whom It May Concern, I am writing to formally notify you that I am a victim of identity theft. The following accounts have been erroneously listed on my credit report and are not authorized by me : Account : XXXX XXXX Account number:XXXX  Opened:XXXX Amount : {$2900.00} Account : XXXX XXXX Account number : XXXX Date opened:XXXX Amount : {$520.00} Account : XXXX XXXX  Account number : XXXX Date opened:XXXX Amount : {$0.00} Account : XXXX XXXX Account number:XXXX Opened:XXXX Amount- {$1100.00} I kindly request that these accounts be investigated and removed from my credit report as they are fraudulent. Attached are copies of my identity theft report and any supporting documents for your reference. 

Also all inquiries listed in my FTC REPORT BE REMOVED AS WELL. 
Please confirm in writing once these accounts have been removed. Thank you for your prompt attention to this serious matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
We contracted XXXX last year XXXX to service our lawn. The whole year packet was taken and paid upfront. We were not satisfied with their service and several complaints were made but never addressed by XXXX. The contract expired by the end XXXX and we informed XXXX that we are not interested to renew our contract and will get another lawn service company. We retained Lawn Doctor to service our lawn for XXXX. The company is providing regular service and treating our lawn. XXXX showed up in the beginning of of XXXX and service the lawn without having a contract with us. We received a bill of {$64.00} for one single service. Numerous calls were made to settle the bill. We were told that bill is settled and we don't need to worry whenever we called XXXX. But it was the blatant lie by their agents. We had no idea what notes they were putting on our account as we had no access to their system. The company forwarded it to the collection agency for payment.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Repeated reporting C/o every month up until XXXX XXXX.Everytime your account updates the statue of limitations is extended, every update makes the account look newer than what it is. Reaging the account is illegal. Also not including when/if the account has been sold ( misrepresentation of the account status. Both XXXX XXXX XXXX  and XXXX XXXX XXXX  XXXX need to be removed from my credit report immediately due to not properly validating the information in which company has passed to you.Please delete and update immediately please update an copy of my credit report when investagation and changes are made The Fair Credit Reporting Act, Public Law, 91-506, Title VI, Section 611, Subsection A-D.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I sent a payment of {$680.00} through Cash App to what I later discovered was not a legitimate merchant. On XX/XX/year>, I immediately filed a dispute with Cash App regarding this transaction. 

Cash App opened a case ( Case # XXXX ) and informed me that the dispute was being sent to the card network and the merchant for review. However, more than 45 days have now passed, and my funds remain on hold with no resolution. Because the merchant is not legitimate, there should be no reason for such a lengthy delay in returning my money. 

I have contacted Cash App multiple times, and each time I am told to wait, but I am not given a timeline for when my funds will be released. This delay violates the requirements under the Electronic Fund Transfer Act and Regulation E, which require timely investigation and resolution of consumer disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: IN

Complaint narrative:
15 U.C Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an aleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION

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 2025-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 non-monetary relief
Consumer complaint received 2025-08-22 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: FL

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and I demand them to be investigated completely.

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 2025-08-22 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: FL

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding inaccurate information being reported on my credit report. 

The account in question is : Creditor/Company Name : XXXX XXXX Account Number : XXXX Despite paying this account in full on [ insert date ], it continues to report as having an open balance. I have disputed this information with both the creditor and the credit reporting agencies, but it has not been corrected.

This inaccurate reporting is in violation of the Fair Credit Reporting Act ( FCRA ) 607 and 623, which require furnishers to report accurate information and correct errors. This false reporting has negatively impacted my credit profile and financial opportunities. 

I request that the XXXX take action to require XXXX XXXX and the credit reporting agencies involved to correct this inaccuracy, update the account to show a {$0.00} balance and paid status, and ensure my credit report reflects the correct information. 

Attached are copies of my dispute letters, proof of payment, and the relevant section of my credit report. 

Thank you for your prompt attention to 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 2025-08-22 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: FL

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding inaccurate information being reported on my credit report. 

The account in question is : Creditor/Company Name : XXXX XXXX Account Number : XXXX Despite paying this account in full on [ insert date ], it continues to report as having an open balance. I have disputed this information with both the creditor and the credit reporting agencies, but it has not been corrected. 

This inaccurate reporting is in violation of the Fair Credit Reporting Act ( FCRA ) 607 and 623, which require furnishers to report accurate information and correct errors. This false reporting has negatively impacted my credit profile and financial opportunities. 

I request that the XXXX take action to require XXXX Money and the credit reporting agencies involved to correct this inaccuracy, update the account to show a {$0.00} balance and paid status, and ensure my credit report reflects the correct information. 

Attached are copies of my dispute letters, proof of payment, and the relevant section of my credit report. 

Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2025-08-22 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: IL

Complaint narrative:
Please dispute the following accounts that have been opened or used in my name as a result of a recent data breach. I was recently notified that my personal information may have been compromised, and I have reason to believe that this has led to unauthorized activity on my credit report and/or new accounts being opened without my consent. I did not authorize the opening or use of this account and was not aware of its existence until reviewing my credit report ( or receiving a collection notice. This activity is the result of identity theft stemming from a data breach. 

Please investigate this matter and respond to me in writing at your earliest convenience. I expect a response within 30 days, as outlined by the Fair Credit Reporting Act ( FCRA ) and applicable state laws.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: SD

Complaint narrative:
Signed up for the free trial figuring It would be easily cancellable. Turns out the only way to even get in contact with Experian is through phone number, there is no email that I am aware of. They have attempted to charge my card at least 5 times. No funds were available. I have checked the Experian app and the website on a desktop and there is no button to cancel the subscription. Every morning they have been attempting to charge my card. This is not okay.

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