vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize.

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: CA

Complaint narrative:
b'Consumer Financial Protection Bureau (CFPB) Complaint\nFiled Against: TD Bank USA, N.A.\nAccount Number: XXXX\nComplainant: XXXX XXXX XXXX\nDate of Birth: XXXX XXXX XXXX\nAddress: XXXX XXXX XXXX XXXX XXXX CA XXXX\nPhone: (XXXX XXXX\nEmail: XXXX\nFTC Identity Theft Report Number: XXXX\XXXX  Data Breach Engagement Number: XXXX\n\n\n\nNATURE OF COMPLAINT:\n\nI am a victim of identity theft and the XXXX  data breach, and I am demanding immediate intervention. A fraudulent TD Bank USA, N.A. XXXX  account ending in XXXX was unlawfully opened in my name in XXXX XXXX, with a balance of XXXX. I discovered this fraud in XXXX XXXX. This account was reported to the credit bureaus without my knowledge, authorization, or consent.\n\nI have submitted the following required materials in accordance with FCRA  605B (15 U.S. Code  1681c-2):\n\t\tFTC Identity Theft Report explicitly listing this TD Bank account\n\t\tGovernment-issued ID\n\t\tProof of current address\n\t\tConfirmation of my exposure in the XXXX  Data Breach (Engagement No. XXXX)\n\nDespite submitting these materials, TD Bank USA, N.A. has not honored their obligation under the law. Not only is this account still being reported, TD Bank has initiated legal action against me, causing extreme emotional distress and reputational harm.\n\n\n\nVIOLATIONS:\n\nTD Bank USA, N.A. is in direct violation of the following federal laws:\n\t\tFCRA  605B (1681c-2)  failure to block identity theft-related data\n\t\tFCRA  1681s-2(b)  failure to conduct a proper reinvestigation\n\t\tFCRA  1681e(b)  failure to ensure maximum possible accuracy\n\t\tFCRA  1681i  failure to respond with a lawful human investigation\n\t\tFCRA  1681n &  1681o  subject to civil liability for willful and negligent noncompliance\n\nThis dispute contains material that cannot be reduced to standard XXXX codes. It must be reviewed by a live human investigator to ensure full legal compliance.\n\n\n\nRESOLUTION DEMANDED:\n\t1.\tImmediate and permanent deletion of the fraudulent TD Bank account from all credit bureaus\n\t2.\tImmediate cease and desist of any collection efforts and pending lawsuit\n\t3.\tFull disclosure of all investigative documents, method of verification, and original signed application\n\t4.\tFull blocking of all data associated with this account per FCRA  605B\n\t5.\tCompensation for emotional distress, reputational damage, and statutory harm under FCRA  1681n\n\n\n\nSUPPORTING EVIDENCE (TO BE ATTACHED TO CFPB SUBMISSION):\n\t\tFTC Identity Theft Report\n\t\XXXX  breach proof (Engagement Number: XXXX)\n\t\tGovernment-issued photo ID\n\t\tProof of address\n\n\n\nThis matter must be resolved within four (4) business days or I will escalate to federal court for full statutory and punitive damages.\n\nSincerely,\nXXXX XXXX XXXX\nXXXXnXXXX XXXX\nXXXX XXXX XXXX XXXX CA XXXX'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX. The alleged debt they are trying to assign to me and my credit was not under contract with them and neither was it signed or agreed upon by me to them in any capacity or writing or e-signature. They did not provide me with the original contract. If after reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on results of the reinvestigation. Also according to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit without my permission. Please remove this item from my credit report. They are falsely reporting on my credit that owe them money and they are attempting to collect from me. This is causing a negative effect on my credit and I want this false debt removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: CA

Complaint narrative:
I did not open or authorize these accounts, and it is unjust for me to be held responsible for them. I request immediate action to resolve this issue.

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 2025-07-18 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 the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: CBC Companies, Inc.
State: WI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: NY

Complaint narrative:
There are UNAUTHORIZED and FRAUDULENT inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am not the one who initiated these inquiries. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.

I am writing to request that the bureaus takes immediate and corrective action to address this issue in compliancewiththeFCRA. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-07-18 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: NY

Complaint narrative:
There are UNAUTHORIZED and FRAUDULENT inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am not the one who initiated these inquiries. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.

I am writing to request that the bureaus takes immediate and corrective action to address this issue in compliancewiththeFCRA. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$910.00XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$350.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} 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

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 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-07-18 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: NJ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4900.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9100.00} INQUIRIES : 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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$23000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5600.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
Reference the previous complaint ID XXXX The company : Did not validate the debt Ignored the FDCPA request Closed the matter without providing documentation Continues to report the debt despite lack of validation Theyre asking for : Their own file number I am submitting this complaint against XXXX XXXX XXXX  XXXX XXXX XXXX regarding a {$230.00} collection account originally from XXXX XXXX, reported to Equifax. 

I formally disputed this account and submitted a debt validation request in accordance with the Fair Debt Collection Practices Act ( FDCPA ) under Section 809 ( b ). I requested documentation to verify the debt, including the original creditor, account details, and XXXX  authorization to collect. 

XXXX failed to provide any such documentation and responded by stating they could not identify the account, despite the fact that I submitted screenshots from my credit report clearly showing the account number ending in XXXX, the creditors name, and all identifying information. 

The agency has continued to report this debt to Equifax despite their failure to validate. This violates my consumer rights under FDCPA and the Fair Credit Reporting Act ( FCRA ). 

I request the CFPBs assistance in requiring XXXX  to validate the debt or delete it entirely from my credit report. I am attaching my original dispute letter, screenshots of the credit report, and XXXX  interim and final responses for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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 formally submitting a complaint regarding several inaccurate and inconsistent derogatory accounts reporting on my credit file, which I discovered using my credit monitoring service ( XXXX  ). These accounts contain significant discrepancies between the XXXX major credit bureaus ( TransUnion, Experian, and Equifax ), violating the Fair Credit Reporting Act ( FCRA ), which mandates that all information furnished to consumer reporting agencies must be accurate, complete, and verifiable. 
Specific Examples of Inconsistent Accounts : XXXX. XXXX XXXX  Opening date is different : XX/XX/XXXXXXXX XXXX TU XXXX XXXX XXXX XXXX XXXX XXXX High credit : {$0.00} on Experian XXXX {$7700.00} on TU and EQ  Credit XXXX XXXX {$0.00} on EQ vs {$6300.00} on XXXX Last activity/payment dates vary on each bureau. 
XXXX. XXXX ( XXXX ) High credit : {$0.00} on EX  vs {$8000.00} on EQ XXXX {$9800.00} on TU Credit limit : {$8000.00} on TU/EX vs {$0.00} on EQ Activity/payment dates are inconsistent across reports. 
XXXX. XXXX XXXX High credit : {$0.00} on EX vs {$2800.00} on TU/EQ Credit limit : {$2300.00} on TU/EX vs {$0.00} on EQ Last activity/payment dates differ. 
XXXX. XXXX XXXX ( Original creditor : XXXX XXXX. ) Only appears on TU and EX, missing from EQ Date of last activity : XX/XX/XXXX ( TU ) vs XX/XX/XXXX ( EX ) These discrepancies are in direct violation of : FCRA 602 ( A ) : Ensures accurate, fair, and private reporting of consumer information.

FCRA 607 ( B ) : Requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy.

FCRA 623 ( A ) ( 1 ) ( A ) : Prohibits data furnishers from reporting information they know or have reasonable cause to believe is inaccurate.

FCRA 611 ( A ) ( 1 ) : Grants consumers the right to dispute inaccurate information and requires bureaus to investigate within 30 days.

FCRA 605 ( B ) : Prevents inclusion of unverifiable or outdated information.

FCRA 623 ( B ) : Requires furnishers to correct or delete information found to be inaccurate or incomplete. 
I have already filed disputes with the credit bureaus, but these accounts remain with the same inconsistent and inaccurate data. These errors are materially impacting my creditworthiness and limiting my ability to achieve key financial goals, including obtaining housing and growing my business.

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 2025-07-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Zip Co US Inc.
State: AL

Complaint narrative:
I used Zip ( buy now, pay later service ) to pay for multiple purchases .My bank incorrectly initiated disputes for these transactions, which I immediately asked them to cancel. 

Despite my request and the fact that no money was withdrawn from Zip by my bank, Zip still processed chargebacks to the merchants. As a result, the, the merchants did not get paid through Zip and required me to pay them directly again. I effectively paid for the same items twice. 

Zip refunded some of the chargeback amounts but has failed to refund {$1300.00}, XXXX chargebacks to my rental office despite multiple requests and clear evidence that I paid twice. I sent Zip a written demand letter ( email ) on XX/XX/2025 requesting resolution within 7 business days, but they have not responded. 

I am requesting the CFPB 's assistance to get Zip to refund the remaining {$1300.00} that I am owed. 


A full refund of the unpaid chargeback amount so I am not double charged for the same transactions.

Company response to consumer: Closed with explanation