vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: CA

Complaint narrative:
I write as a documented California Military Veteran and victim of identity theft arising from the Equifax and XXXX  data breaches and my SSN was used as a personal gain. The accounts were reported as a result of identity theft, and the placement of this materially false information violates my rights. Your agency continues to furnish and report fraud. Due to the inaccuracy of false information on my reports, I will be seeking legal advice, if this issue is not handled legally I have never given permission for this information and it is fraudulent. 

1. XXXX XXXX  # XXXX XXXX XXXXXXXX/Bal. {$1400.00} : Fraud Date : XX/XX/XXXX 2. XXXX XXXX  : Acct # XXXX/Bal. {$0.00} : Fraud Date : XX/XX/XXXX 3. XXXX XXXX XXXX : Acct # XXXX/Bal. {$12000.00} : Fraud Date : XX/XX/XXXX 4. XXXX  XXXX XXXX : Acct # XXXX/Bal. {$75.00} : Fraud Date : XX/XX/XXXX 5. XXXX  XXXX  : Acct # XXXX/Bal. {$0.00} : Fraud Date : XX/XX/XXXX 6. XXXX XXXX XXXX XXXX : Acct # XXXX/Bal. {$51000.00} : Fraud Date : XX/XX/XXXX 7. XXXX XXXX XXXX : Acct # XXXX/Bal. {$47000.00} : Fraud Date : XXXX XXXX I stress that your agency has failed to provide a resolution in accordance with my rights. I am also complaining about the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). I have discovered that the fraudulent accounts had been opened in my name without my knowledge or consent over the last year and informed your agency but the issue still transpiring.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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 2025-12-01 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: TX

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
Company : TD Bank, N.A. 
Product : Credit card Issue : Incorrect information on credit report ; Autopay failure ; Inability to access account ; Default interest rate applied What happened? ( Describe what went wrong ) I opened a TD Bank XXXX XXXX  credit card account and used the approval for 1 purchaseand never received the physical card. The account was set up with autopay and electronic statements, and there had never been any payment issues. 

Recently, TD Bank reported me XXXX days past due. This is inaccurate. 
TD Bank failed to withdraw the payment through autopay, and I was never notified of a failed draft or any interruption in the autopay setup. 

I immeidately tried calling TD BANK NORTH CARD SERVICES for YARD CARD, but they keep saying due to circumstances beyond their control longer than normal wait periods apply and direct me to go online, but I can't access any information online. 

I attempted to access my account online to make a payment, but TDs system requires the card number, which I do not have because I never received the original card or the replacement card that TD claims they mailed. I also can not access electronic statements for the same reason. 

I have attempted multiple times to reach TD Bank customer service by phone and remain on hold for extremely long periods without ever reaching a representative. I have no access to my account, no way to make a payment, and no way to update or repair anything. 

Despite these facts, TD Bank reported me as XXXX  days late and appears to have placed the account into a default interest rate ( default APR ), even though the late payment resulted entirely from TD Banks own failures, including : Failure to deliver the card Failure to deliver the replacement card Failure to withdraw the payment despite active autopay Failure to provide any notice of failed autopay Failure to provide accessible statements Failure to provide a working method of customer contact Failure to provide access to the account I have been trying to resolve this for weeks and can not get anyone at TD Bank to answer, assist, or provide account access.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to you today regarding the above-referenced account. This debt was settled and paid in full on XX/XX/year>. Prior to making this payment, a representative from your company, XXXX Representative , assured me that upon settlement, the collection account would be removed from my credit report. I upheld my end of this agreement by paying the debt in full. As I am working to improve my credit standing and have maintained a strong payment history since this time, I was disappointed to see that the collection entry has not been deleted as promised. I have disputed this with Experian multiple times.

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 2025-12-01 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: SC

Complaint narrative:
I am writing to dispute several items on my credit report that I believe contain inaccurate information, including potential violations under the Fair Credit Reporting Act ( FCRA ) and concerns regarding data breaches. Below are the details of the accounts in question : Disputed Accounts on My Equifax Report : XXXX. XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Positive o FCRA Violations : Incomplete reporting, missing account history, and failure to report accurate data under FCRA Section 609. 
XXXX. XXXX o Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Status : Positive o FCRA Violations : Incomplete account status reporting and possible data breach. 
XXXX. XXXX XXXX XXXX o Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Status : Collection - Installment o FCRA Violations : Discrepancies in payment status and incomplete reporting under FCRA Section 611. 
XXXX. XXXX. XXXX, XXXX o Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Status : Collection - Installment o FCRA Violations : Inaccurate payment status under FCRA Section 609. 
XXXX. XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Status : Collection - Installment o FCRA Violations : Errors in reporting late payments and discrepancies in the status under FCRA Section 611. 
XXXX. XXXX XXXX XXXX o Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Status : Collection - Installment o FCRA Violations : Failure to update account status under FCRA Section 611 and concerns about data security. 
XXXX. XXXX & XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Status : Collection - Installment o FCRA Violations : Incorrect balance reporting and outdated payment status under FCRA Section 611. 
XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Status : Collection - Installment o FCRA Violations : Inaccurate reporting under FCRA Section 611, dispute unresolved. 
XXXX. XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Status : Positive o FCRA Violations : Missing or incomplete reporting under FCRA Section 609. 
XXXX. XXXX XXXX XXXX o Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Status : Positive o FCRA Violations : Incorrect reporting and concerns about data exposure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TN

Complaint narrative:
I am waiting for my subsidized loan to update as PAID. This loan was paid in full on XX/XX/XXXX while on the phone with someone from Mohela. Each action should have been documented and recorded on their end showing this but I have called them many times. My loan payment has not updated but everyone I have spoken to including supervisors have agreed the payment should have been processed. Amount : {$18000.00}. The exact dollar amount listed owed on XX/XX/XXXX I have notes on my account showing my request as I was on the phone with a representative. The account balance was supposed to be paid in full. The exact dollar amount was paid but on my end I am unable to allocate the funds to that account for some reason, only an employee from the company can allocate the exact dollar amount for some reason. 

They deliberately makes it close to impossible to reach anyone. I get transferred to several people who all agree my account should be updated but it is not. Then, I am told to expect a call back in XXXX business days. Without any notice I get a call and if I don't pick up, the company deletes my request and I have to start over. I have work and other responsibilities. I can't live on my phone waiting for XXXX hours in the hopes someone will call once. I managed to get through these deliberate obstacles and spoke with a supervisor who said they will put an additional request in but naturally none of this has happened.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-01 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: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I have requested the original document to show my signature stating this is my debt, {$690.00}, but I have not received anything with my name or signature stating I agree to the terms of this debt, which is on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-01 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: AR

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-12-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a direct dispute letter to Experian notifying them to correct inaccurate information on the credit report back in XXXX and I haven't heard anything

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 2025-12-01 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 explanation
Consumer complaint received 2025-12-01 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 2025-12-01 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: IL

Complaint narrative:
Dear XXXX, I am submitting a dispute regarding inaccurate information on my credit report. Please find below the details of the accounts in dispute for each bureau. 

CHARGED OFF XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$21000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : 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 2025-12-01 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: IL

Complaint narrative:
Please check the submitted materials ; the questions came without prior indication and may not have been cleared.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MO

Complaint narrative:
Description of complaint : I have had XXXX Infiniti Financial Services accounts over the last XXXX years and my payments have been outstanding for every single account! Recently, I received an inaccurate report on my credit bureau report - all XXXX ( XXXX, XXXX, and XXXX ) stating my past account ( recently paid off by the dealer ) - prior to my new account ( XXXX. 2025 ) - has been paid late. 
I'm SPEECHLESS! My accounts have NEVER been PAID LATE and apparently, there is a glitch ( SOMEWHERE ) that is now affecting my credit - and no one seems to know how to fix it! So as much as it pains me to file a CFPB complaint because I have always had a good relationship with XXXX XXXX - this must be done to apparently correct this issue- an issue that is causing " my '' credit score to drop - an issue that I DID NOT CAUSE OR HAVE ABSOLUTELY NOTHING TO DO WITH!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: SC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the accuracy of certain items that have appeared on my credit report. Please find below a detailed list of the accounts in dispute, categorized by credit bureau. These items were reported inaccurately, and I am requesting that they be investigated and corrected. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Inquiries : 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