vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eaton Group Attorneys LLC
State: LA

Complaint narrative:
Re : Follow-Up and Escalation Request Complaint No. XXXX and Complaint No. XXXX Consumer : XXXX XXXX XXXX Account Reference No. : XXXX I am submitting this formal follow-up and escalation request regarding my complaint ( No. XXXX and Complaint No. XXXX ) against XXXX XXXX XXXX XXXX XXXX ( XXXX ) and its attorneys, The Eaton Group Attorneys LLC , in reference to alleged debt collection activity tied to Account No. XXXX. 

On XX/XX/year>, the company ( Eaton Group ) responded to my complaint indicating that there " may be potential fraud involved '' and that I " may have been a victim of fraud. '' This response inherently acknowledges that the debt in question may not be legitimately connected to me, which directly conflicts with the legal actions and communications I have received from Eaton Group on behalf of XXXX. 

Given that the company has now raised the possibility of fraud, I respectfully request that the CFPB : 1. Require XXXX and Eaton Group to immediately cease all collection and legal activity associated with this account.

2. Confirm and document that this matter is classified as potential fraud. 3. Ensure the permanent removal of the related account from all credit reporting agencies under the Fair Credit Reporting Act ( FCRA 623 ( a
) ( 1 ) ).

4. Provide written confirmation of enforcement or supervisory review findings for my records.

5. Provide to me via mail that all legal activity associated with this account has ceased. As Eaton group has tried to collect and sent a judgment to the XXXX XXXX on XX/XX/year> and XX/XX/year>. And that they do not try to circumvent with legal jargon, judgments, or settlement offers that circumvent my legal rights. 

Please note that PRAs prior statement claiming to have ceased all communications unless required by law was proven false by subsequent certified mailings threatening legal action. These contradictions highlight the need for federal enforcement review to ensure compliance with the Fair Debt Collection Practices Act ( FDCPA 1692g ( b ) ) and the FCRA.

Thank you for your continued attention to this matter. Please forward any updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: CA

Complaint narrative:
So early this year, I discovered a collections account from the U.S. Department of Education on my credit report. I had never received any proper prior notificationvia phone, email, or mailbefore the debt was reported to the credit bureaus.

After requesting documentation through multiple written disputes, the Department, through cfpb, later claimed they sent letters in XXXX, XXXX, XXXX, XXXX, and XXXXXXXX XXXX XXXX  However, by that time, the collections entry was already listed on my credit report, meaning these letters were not proper pre-notification, as required. 

I specifically asked for evidence of any notice before the debt was sent to collectionsincluding letters, phone attempts, or emails. Their only claim was a single mailed letter sent years earlier to an outdated college address, despite my updated address and contact information being on file ( which other federal loan services have used without issue ). 

This fails to meet the Departments own stated requirement of adequate efforts to contact the borrower before reporting default to credit agencies ( Federal Student Aid Ombudsman Group guidance ).

I even attempted to resolve the matter with a pay-for-delete, but they refused. Their response to my previous CFPB complaint simply restated their position without addressing the lack of due process. I am now seeking proper investigation and resolution through this new complaint.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
So early this year, I discovered a collections account from the U.S. Department of Education on my credit report. I had never received any proper prior notificationvia phone, email, or mailbefore the debt was reported to the credit bureaus.

After requesting documentation through multiple written disputes, the Department, through cfpb, later claimed they sent letters in XXXX, XXXX, XXXX, XXXX, and XXXXXXXX XXXX XXXX  However, by that time, the collections entry was already listed on my credit report, meaning these letters were not proper pre-notification, as required. 

I specifically asked for evidence of any notice before the debt was sent to collectionsincluding letters, phone attempts, or emails. Their only claim was a single mailed letter sent years earlier to an outdated college address, despite my updated address and contact information being on file ( which other federal loan services have used without issue ). 

This fails to meet the Departments own stated requirement of adequate efforts to contact the borrower before reporting default to credit agencies ( Federal Student Aid Ombudsman Group guidance ).

I even attempted to resolve the matter with a pay-for-delete, but they refused. Their response to my previous CFPB complaint simply restated their position without addressing the lack of due process. I am now seeking proper investigation and resolution through this new complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank Account ending in XXXX, reported on or around XX/XX/XXXX, in the listed as Overdraft. 


TD Bank Account ending in XXXX, reported on or around XX/XX/XXXX, in the listed as Overdraft. 


Dear TD Bank Dispute Department, I am writing to formally dispute inaccurate information that your institution has reported to consumer reporting agencies, which is preventing me from opening accounts with other financial institutions. 

The information in question is as follows : TD Bank Account ending in XXXX, reported on or around XX/XX/XXXX, listed as XXXX TD Bank Account ending in XXXX, reported on or around XX/XX/XXXX Overdraft These accounts are incorrectly reported and I am requesting their immediate removal. I did not authorize the transactions that led to these alleged overdrafts, and these entries do not accurately reflect my banking history. The information is false and is directly hindering me from opening or maintaining checking and savings accounts with other banks. 

can you please investigate this and remove it immediately Subject : Formal Dispute and Request for Deletion Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
Im filing a complaint again because two inaccurate items continue to appear on my credit report despite multiple disputes. This is now my third and final request for permanent removal, not a correction or update. Ive followed every step of the dispute process in good faith, yet both entries remain without certified verification or legal authorization. 
XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Balance : {$300.00} | Status : Collection * * This collection account has been disputed previously and should have been permanently deleted after prior investigations. I have never received any legitimate documentation verifying that this alleged debt belongs to me or that it is being lawfully reported.

Under the Fair Credit Practices Act ( FCPA 807, 15 U.S.C. 1692e ) and the Fair Debt Collection Practices Act ( FDCPA 809, 15 U.S.C. 1692g ), it is unlawful for any collector to continue reporting information that is false, misleading, or unverified. Furthermore, FCRA 605B / 15 U.S.C. 1681c-2 grants me the right to have unverifiable or inaccurate information permanently deleted and blocked from reappearing.

I have done everything possible to resolve this respectfully and through the proper channels. At this point, this collection must be permanently removed, not corrected or updated, and blocked from any future reinsertion unless certified and lawfully verified. 
XXXX XXXX XXXX Inquiry Dated XX/XX/2025 XXXX XXXX  XX/XX/2025 This inquiries continues to appear on my report even though I never authorized or permitted XXXX XXXX XXXX to access my credit file. No written or verbal consent was ever given.

Under FCRA 604 ( a ) and 604 ( f ) ( 15 U.S.C. 1681b ( a ) and 1681b ( f ) ), a credit inquiries may only occur with a permissible purpose and my direct authorization. None exists here. In addition, FCRA 619 15 U.S.C. 1681q prohibits obtaining or using a consumer report under false pretenses. Since no proof of authorization has been provided, this inquiries is both unauthorized and unlawful.

As with the collection above, FCRA 605B / 15 U.S.C. 1681c-2 provides the right to block and permanently remove such unverifiable information. Therefore, I request that this XXXX XXXX XXXX andXXXX XXXX XXXX inquiry dated XX/XX/2025 be permanently deleted and prevented from future reinsertion unless verified with certified documentation bearing my authorization.

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 2025-10-16 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:
It came to my attention that my person information was compromised in a data breach of XXXX  and XXXX, i notice some accounts that I don't recognize. I am disputing the information in this FTC complaint as it appears on my credit profile. I would like validation of the debt to prove it belongs to first and last name. If the debt can not be validated I would like the debt to be removed from my credit profile. Please note verification is not validation.

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 2025-10-16 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:
It came to my attention that my person information was compromised in a data breach of XXXX  and XXXX, i notice some accounts that I don't recognize. I am disputing the information in this FTC complaint as it appears on my credit profile. I would like validation of the debt to prove it belongs to first and last name. If the debt can not be validated I would like the debt to be removed from my credit profile. Please note verification is not validation.

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 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
This message serves as a formal complaint against Indigo representatives XXXX and XXXX for false claims, threats, and unacceptable behavior during a call on XX/XX/XXXX, I have never missed a payment on my Indigo XXXX and have repeatedly paid my account in full. During the call, these representatives falsely stated that I had missed multiple payments, ignored the verified payment history I read directly from my account, and threatened to cancel my card unless I paid an arbitrary {$40.00} fee. 



Their conduct was dishonest, aggressive, and discriminatory. It violated basic customer service standards and reflected profiling behavior that is not acceptable under any circumstances. 



I am demanding any fees be removed plus a credit to my account. A formal investigation and written response confirming how this matter will be addressed, including review of the recorded call. If I do not receive acknowledgment and resolution within 10 business days, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX ( XXXX  ), and other regulatory oversight agencies without further notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: GA

Complaint narrative:
I am sending to formally dispute inaccurate information that appears on my credit report. The following items do not accurately reflect my financial history, and I am requesting a full reinvestigation under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Amount {$0.00} XXXX  XXXX Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Amount {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-10-16 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:
I am sending to formally dispute inaccurate information that appears on my credit report. The following items do not accurately reflect my financial history, and I am requesting a full reinvestigation under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Amount {$0.00} XXXX  XXXX Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Amount {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am disputing the reporting of late payments tied to an account that has been closed for some time. After the account was closed, I noticed that derogatory informationspecifically late paymentscontinued to appear on my credit report. This raised immediate concern, as I had fulfilled the account terms, and no new activity should have been reported after closure.

To resolve this, I submitted several disputes directly to the credit bureaus and the original creditor, asking for a proper review and supporting documentation of the alleged delinquencies. However, instead of receiving concrete evidence or a detailed account history, I was met with generic responses that did not clarify or justify the reporting.

It is my understanding that once an account is closed, reporting must reflect the final and accurate status as of the date of closure, in accordance with XXXX XXXX data furnishing standards and the Fair Credit Reporting Act ( FCRA ). Continuing to report late payments after the account has been settled or closedespecially without verificationmisrepresents my credit behavior and damages my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing this complaint because TransUnion has failed to correct the spelling of my legal name on my credit report, even after I submitted proper documentation.

My correct legal name is XXXX XXXX XXXX , but TransUnion continues to report incorrect or misspelled versions of my name.

I have already contacted TransUnion directly and provided a copy of my government-issued photo ID showing the correct spelling, but the error remains.

This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain accurate personal identifying information.

I request that the CFPB require TransUnion to update my file to reflect my correct legal name and remove any other name variations or misspellings from my credit record.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
It came to my attention that my person information was compromised in a data breach of EquiFax and TransUnion, i notice some accounts that I don't recognize. I am disputing the information in this FTC complaint as it appears on my credit profile. I would like validation of the debt to prove it belongs to first and last name. If the debt can not be validated I would like the debt to be removed from my credit profile. Please note verification is not validation.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To : Equifax Information Services, LLC Equifax Information Services, LLC XXXX. XXXX XXXX XXXX  GA XXXX I am writing to formally dispute an unauthorized hard inquiry that appears on my credit file. The inquiry from XXXX XXXX, dated __________, was not authorized by me. Under the Fair Credit Reporting Act ( FCRA ) 604, a consumer reporting agency may only report an inquiry if it was made with my written consent for a permissible purpose. I never authorized this inquiry, nor did I initiate any credit application with XXXX XXXX. Furthermore, under FCRA 611, I am exercising my right to dispute this inaccurate and unauthorized information. I demand that this inquiry be removed immediately from my credit file, not simply marked as disputed. Please complete this reinvestigation within the required 30-day timeframe and provide me written confirmation of the permanent deletion of this inquiry. For your records, I am including my FTC Identity Theft Report as supporting documentation. This serves as legal evidence that I did not authorize the inquiry. Sincerely, XXXX XXXX XXXX Enclosures : - Copy of Government-issued photo ID - Proof of address - FTC Identity Theft Report ( FTC Report Attached

Company response to consumer: Closed with non-monetary relief