vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute the following items on my credit reports that I believe to be inaccurate. Please see below for a summary of the accounts in dispute, organized by bureau. 

CHARGED OFF : XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$9900.00} XXXX XXXX XXXX, XX/XX/XXXX, {$3300.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$1800.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$3400.00} LATE PAYMENT : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
I called Jefferson capital to request the source of the debt and what was purchased for the debt. They said they purchased the debt from XXXX and I would have to call XXXX  to find that information. I called XXXX  and XXXX  the lender for the debt and they said they had no record of the debt. I called XXXX account department and fraud department and they said there was no record of debt on my account. I looked up my account on Jefferson capital and the name and email were correct but the phone number was for related to XXXX people in XXXX, XXXX  and XXXX. I talked to Jefferson Capital and now they updated my new address and phone number so it is correct but the debt was not verified and I beleive it may be identity theft. The email ( XXXX ) I received from XXXX notifying me that the debt was transferred to XXXX capital was not and email address that XXXX says they used to consumers. They said they only use XXXX. I have recently had my debit and credit cards hacked through XXXX XXXX and other retailers so I beleive there may have been identity theft since I was not aware of the debt and no one confirmed the debt to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: IN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As I was reviewing my credit report, I had fradulent activity. 
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 non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
To my knowledge XXXX, XXXX XXXX  a credit card opened with Capital One bank, I am a victim of Identity Theft. I have tried disputing with company and credit bureau but each time it comes back verified and accurate which I do not understand how, and why. I have asked for proof and no one can give me proof, please help me get this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I had my debit card and mobile device stolen from me and fraudulent/unauthorized transactions were made against my account perpetrator that had access to my account is unknown they were accessing my account via my mobile device that they had position of so in their system it states that I was logging in onto my account and so therefore I must have known that my checking account was being used in which case I most certainly did not have any idea my money was being stolen from me I had over {$1300.00} in online transactions that were made on my account and TD Bank concluded their investigation within 24 hours of my dispute because of their system automatically determined that I was aware of the situation because of the logins that were being made on my account and then when I said that I would like to redispute them the representative told me that there was no point that it would just get automatically declined again because it was the system that determined the outcome of the investigation.When all I want is my money back it states in TD Banks policy that any fraudulent / unauthorized transactions made against a member 's account. That the member would not be held responsible and that's exactly what this is. I am trying to resolve this issue without going to small claims court but I have reached out to a litigation attorney and I have been advised to write a letter of demand before taking legal action please help me resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MN

Complaint narrative:
This is a formal notice that I dispute the validity of the alleged debt referenced above. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide full validation of this debt, including but not limited to : The name and address of the original creditor A complete itemization of the debt A copy of the contract, agreement, or other evidence bearing my signatureProof that you have the legal right to collect this debt A full accounting of all charges, fees, and interest Until these documents are provided, you must cease all collection activities, including reporting or verifying this debt to any credit reporting agency. Additionally, under 15 U.S.C. 1692c ( c ), I formally request that you cease further communication with me regarding this matter except as allowed by law ( e.g., to confirm you will stop contacting me or to notify me of specific legal actions you intend to take ) .Please note : Any further attempts to contact me outside the FDCPA guidelines may constitute a violation.Any attempt to sell, transfer, or assign this disputed debt to another collector without resolving my dispute will also be considered a violation. 
If you have already reported this account to any credit bureau, you are required to mark it as disputed.I expect your response within the time allowed by law. Failure to provide proper validation will require that you immediately cease all collection activities and correct any related credit reporting. 
Thank you for your cooperation.

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 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MN

Complaint narrative:
This is a formal notice that I dispute the validity of the alleged debt referenced above. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide full validation of this debt, including but not limited to : The name and address of the original creditor A complete itemization of the debt A copy of the contract, agreement, or other evidence bearing my signatureProof that you have the legal right to collect this debt A full accounting of all charges, fees, and interest Until these documents are provided, you must cease all collection activities, including reporting or verifying this debt to any credit reporting agency. Additionally, under 15 U.S.C. 1692c ( c ), I formally request that you cease further communication with me regarding this matter except as allowed by law ( e.g., to confirm you will stop contacting me or to notify me of specific legal actions you intend to take ) .Please note : Any further attempts to contact me outside the FDCPA guidelines may constitute a violation.Any attempt to sell, transfer, or assign this disputed debt to another collector without resolving my dispute will also be considered a violation. 
If you have already reported this account to any credit bureau, you are required to mark it as disputed.I expect your response within the time allowed by law. Failure to provide proper validation will require that you immediately cease all collection activities and correct any related credit reporting. 
Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have reviewed my credit report from Equifax and found discrepancies regarding charged-off accounts, inquiries, and late payments. I request that Equifax thoroughly investigate these items and update my credit report accordingly. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off : CHILD SUPP, Account No : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$37000.00} XXXX, Account No : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1200.00} Inquiries : XXXX, Date : XX/XX/XXXXXXXX  Late Payments : XXXX XXXX XXXX XXXX, Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: NC

Complaint narrative:
I am disputing inaccurate information on my credit report and request that Equifax investigate and correct the following items under the Fair Credit Reporting Act ( FCRA ) : Charged Off Accounts : XXXX, Account # XXXX, Opened XX/XX/XXXX, Balance {$1000.00} XXXX, Account # XXXX, Opened XX/XX/XXXX, Balance {$9100.00} XXXX XXXX, Account # XXXX, Opened XX/XX/XXXX, Balance {$740.00} XXXX XXXX XXXX Account # XXXX, Opened XX/XX/XXXX, Balance {$0.00} XXXX XXXX XXXX Account # XXXX, Opened XX/XX/XXXX, Balance {$1000.00} XXXX, Account # XXXX, Opened XX/XX/XXXX, Balance {$0.00} XXXX, Account # XXXX, Opened XX/XX/XXXX, Balance {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute the accuracy of these items and request verification with the original creditors. If verification can not be provided, I request removal of these items from my credit report. 

Please provide written confirmation once your investigation is complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: FL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I am filing this formal complaint against Citizens Bank for its failure to address a clear case of financial fraud and for failing to properly investigate and resolve my fraud dispute. Their actions have resulted in significant financial and XXXX XXXX and have caused severe damage to my credit profile as a senior and vulnerable consumer. 

Summary of Complaint : My Citizens Bank credit card account was compromised with fraudulent charges totaling {$3600.00} on XX/XX/year>. These transactions were made via an " authorized user '' card that I never received. Despite providing irrefutable evidence that I was a victim of a crime, Citizens Bank has closed my dispute, is holding me liable for the debt, and has reported this fraudulent account to credit bureaus and a third-party debt collector. 

Fraudulent Transactions in Question : {$3000.00} at XXXX XXXX in XXXX, NJ {$540.00} at XXXX in XXXX, NY {$93.00} at a gas station in XXXX, NY I am a senior resident of New York XXXX. I do not own a vehicle or hold a valid driver 's license. 

Negligent Handling by Citizens Bank : I have made every reasonable effort to resolve this with the bank, but they have failed at every step : XXXX XXXX XXXX : A Series of calls regarding fraudulent activity and follow-up inquiries were made. ( See attached PDF for timeline of Events efforts to Citizens Bank and XXXX ) XX/XX/year> : I followed their direction and filed a report for grand larceny with the XXXX XXXX Precinct ( Case # XXXX ; see attached PDF for police report ). 

XX/XX/year> : Upon notifying the bank of the filed police report, I was abruptly informed that my case had already been closed and that they would not be taking any further action. 

Citizen 's Bank conducted an inadequate investigation, ignored clear exculpatory evidence, gave me misleading instructions, and then abandoned its responsibility to protect a senior customer from fraud. They have since passed this fraudulent debt to a collection agency, XXXX XXXX XXXX XXXX XXXX, who are now pursuing me for an inflated balance of {$4300.00} and a summon to court.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-27 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: TX

Complaint narrative:
This letter is intended as my formal objection to the accounts referenced. I did not approve or open them and have no connection. Please review and remove them. Supporting documents are included.

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 2025-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am homeless and have a XXXX XXXX XXXX  that requires XXXX XXXX I will die without. 
On XX/XX/year>, a TD Bank branch employee explicitly instructed me to dispute a charge as services not rendered instead of fraud and promised, on the record, that my debit card would NOT be canceled. I followed their instructions exactly. 
TD Bank canceled my card anyway. 
The night before XXXX, I became completely stranded in an unsafe area with zero access to my own money. I could not buy food, shelter, or the prescription that keeps me alive. I spent last night on the street and will spend tonight on the street, growing sicker by the hour. 
TD hung up on one supervisor and the second supervisor refused to help. The only solution offered was a mobile card that does not work on my phone and a replacement card that will take days, unless I pay TD {$32.00} to fix their own mistake. 
Because of TD Banks broken promise and negligence, I am now homeless, without XXXX XXXX and facing a XXXX  crisis on XXXX, all while being charged for TDs error. 
This is not just bad service. This is life-endangering negligence. 
I demand immediate refund of the {$32.00} fee, free overnight replacement at TDs expense, full restoration of access, and substantial compensation for the physical and emotional harm caused by being abandoned on the street during a holiday because TD Bank lied to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-27 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: LA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a
consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-27 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: MI

Complaint narrative:
Dear Sir/Madam, I am filing this dispute regarding the following accounts on my credit report. These accounts are being disputed based on inaccuracies and incomplete reporting. Below is the information for the disputed accounts, separated by each credit bureau. 

Charged Off Accounts : XXXX  XXXX, Account XXXX. XXXX, Opened : XX/XX/XXXX, XXXX : {$2600.00} XXXX, Account XXXX. XXXX, Opened : XX/XX/XXXX, XXXX : {$38.00} XXXX, Account XXXX. XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX, Account No. XXXX, Opened : XX/XX/XXXX, Balance : {$5200.00} Inquiries : XXXX, Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX  Late Payments : XXXX, Account No. 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 2025-11-27 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: NY

Complaint narrative:
I am submitting this dispute for the charged-off account listed on my Experian credit report. The account in question was opened on XX/XX/XXXX, and the balance is reported as {$580.00}. I am requesting a thorough investigation and correction of this account if the information is found to be incorrect or incomplete. Additionally, I would like to dispute the inquiry listed below, as I do not recognize it. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$580.00} Inquiries : XXXX XXXX XXXX XXXX Date of Inquiry : 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