vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a lot, Unknown that on my consumer file that I do not agree with and I tried to freeze my credit and I tried to dispute several of them and no, I still dont like that

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I am disputing a collection account reported by First Federal Credit Control for {$1100.00}, originally from XXXX XXXX, now appearing on my XXXX credit report. This collection account is reporting inaccurate, incomplete, and unverifiable medical debt in violation of the Fair Credit Reporting Act ( FCRA ) and potentially HIPAA.

1 Under FCRA 15 U.S.C. 1681e ( b ), credit bureaus are required to ensure the maximum possible accuracy of any information they report. Reporting unverifiable and unauthorized medical debts violates this requirement.

2 Under FCRA 1681i ( a ) ( 1 ) ( A ), the credit bureaus must conduct a reasonable investigation into any disputed account. Copy-pasting unverifiable data from debt collectors without obtaining original contracts, billing statements, and medical service authorizations does not qualify as a lawful investigation.

3 Under FCRA 1681i ( a ) ( 5 ) ( A ), if the debt can not be verified through competent evidence, it must be deleted from my credit report. 

4 I never signed any contract with First Federal Credit Control and was never informed nor billed directly by them. They have not provided validation, including a wet-ink signature contract, itemized statements, or HIPAA-compliant disclosures authorizing the transfer of my private medical data to a third-party collector. 

This medical collection account is unverified, unauthorized, and violates both FCRA and HIPAA protections. I am requesting that the CFPB investigate this matter, require the credit bureaus to obtain full validation, and if they fail to provide documentation within the required timeframe, that this item be permanently deleted from my XXXX  report and not reinserted unless fully verifiable per FCRA 1681i ( 5 ) ( B ). 

I do not owe this debt and I demand its immediate deletion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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 formally follow up complaint on a previous dispute concerning inaccurate and unauthorized items listed on my credit report. Despite my earlier request, I have not received sufficient validation of the alleged debt in question Based on my review, I have reason to believe that the reported balance may be incorrect and that the item may have been reported without proper authorization or documentation. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation into this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-04 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:
I am writing to formally follow up complaint on a previous dispute concerning inaccurate and unauthorized items listed on my credit report. Despite my earlier request, I have not received sufficient validation of the alleged debt in question Based on my review, I have reason to believe that the reported balance may be incorrect and that the item may have been reported without proper authorization or documentation. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation into this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to manage all of my financial accounts. When I opened a TD Bank business credit card, the account was never linked to my online banking profile, making it inaccessible to me from the day it was opened. I also can not independently read physical mail. 

As a result, I missed a payment because I had no way of knowing the balance or due date. This led to a XXXX  day late payment being reported to the credit bureaus. 

I have since paid off the account in full and made every payment on time. However, TD Bank is currently reporting this account with XXXX contradictory statements : list of XXXX items 100 % of payments made on time XXXX days late list end These XXXX data points can not both be true and clearly violate the Fair Credit Reporting Act ( FCRA 1681e ( b ) and 1681s-2 ( b ) ), which require furnishers to report information that is accurate, complete, and consistent. 

Additionally, XXXX, a XXXX at the TD Bank XXXXXXXX XXXX  branch, is aware that the credit card account was not accessible online. TDs failure to ensure I had access digital or otherwise to this account is a violation of the Americans with Disabilities Act ( ADA ). 

I was denied equal access and not given a reasonable accommodation to manage the account, which directly caused the late payment and damaged my credit profile. This treatment is discriminatory and has financial consequences for me. 

I am requesting that TD Bank : list of XXXX items Remove the late payment from all credit bureaus, or Provide documentation showing how this situation complies with both the ADA and FCRA list end If unresolved, I will escalate this matter as a formal legal complaint under both statutes. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
i AM A VICTIM OF THE EQUIFAX DATA BREACH THIS SITUATION HAS COSTED ME MY JOB AND OTHER THINGS FROM MY LIVELY HOOD. IVE BEEN TRYING TO HAVE THESE PEICES OFN INFORMATION ON MY CREDIT REPORT CORRECTED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: Stellantis Financial Services US Corp.
State: TX

Complaint narrative:
They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my states consumer protection laws. After repossession, I was never given a Notice of sale or Deficiency Balance Notice, which required under UCC 9-611 and 9-614.

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. code 1681s-2 ). 

I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: TrueAccord Corp.
State: SC

Complaint narrative:
Im getting phone calls back to back between XXXX from true accord. 
I've told them on the phone to provide proof of the debt in question. According to 15 U.S. Code 1692g - Validation of debts.

Im constantly harassed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: PA

Complaint narrative:
I am filing a complaint against Experian for misrepresenting the dates of my dispute submissions, in potential violation of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2025, I mailed certified dispute letters to Experian, which included a formal written dispute of inaccurate personal information and fraudulent accounts. However, Experian falsely claims I submitted my dispute on XX/XX/2025. 

These dates do not reflect the actual date the disputes were received via certified mail and may constitute an intentional delay in logging my dispute, thus extending the 30-day investigation timeline allowed under FCRA 611 ( a ) ( 1 ) ( A ). This could result in continued unlawful reporting of disputed and potentially fraudulent accounts.

I am requesting that the CFPB : Investigate whether my disputes were properly received and logged in a timely manner, Review internal handling procedures by Experian for certified mail dispute processing, Determine if any delay or falsification in logging dates constitutes a willful or negligent violation of the FCRA.

I also request copies of any documentation Experian has regarding the date of receipt, date of investigation initiation, and the method of dispute verification for each disputed item.

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: EdFinancial Services
State: CA

Complaint narrative:
I am a victim of identity theft and need help I have reached out multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have disputed the inaccurate information regarding a collection with National Credit Adjusters. They stated this information came back valid which was indeed false.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: IA

Complaint narrative:
I have gotten the recent copy of my credit report and noticed multiple accounts that do not belong to me reporting. these are damaging to my character moving forward.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Email : XXXX Date : XX/XX/year> To Whom It May Concern, Subject : Request for Reinvestigation of Account # XXXX under the FCRA I am writing to formally request a reinvestigation of the following account that is being reported on my credit file : Account Number : XXXX Creditor/Collector : XXXX. XXXX XXXX XXXX XXXX I previously disputed this account due to concerns regarding the accuracy and completeness of the reported information. I have not received sufficient documentation from the collector proving their legal right to collect this debt or proper validation as required by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, the following information remains unverified or incomplete : chain of title, original contract and application, detailed account statements, and proof of notice sent within five days as mandated by law. 

Please reinvestigate this matter promptly and remove or correct any inaccurate or unverifiable information on my credit report. 

Enclosed/attached are copies of all relevant correspondence and supporting documents related to this dispute for your review. 

I look forward to your timely response and a confirmation of the investigation findings as required under the FCRA. 

Thank you for your attention to this matter. 

Sincerely, 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 2025-08-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Servicer under contract with Federal Student Aid
State: DC

Complaint narrative:
I didn't know that I can dispute this. I want this removed from my credit.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-04 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:
This letter serves as my formal notice of dispute concerning certain account listed on my credit report that I believe was accessed or reported without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may furnish a consumer report only under specific, lawful purposes listed in 1681b ( a ). Any entity that accessed my credit file without my authorization or without a valid legal reason has done so in violation of this federal law.

Upon reviewing my credit reports, I found entries that I did not authorize, nor did I initiate any transaction that would justify such access. These unauthorized entries violate 1681b ( f ), which prohibits users from obtaining a consumer report without a permissible purpose. 

Legal Precedent : In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. ), the court ruled in favor of the plaintiff, stating that a credit report pulled without a valid permissible purpose under FCRA constitutes a willful violation, which is actionable. 

Furthermore, multiple credit bureaus were defendants in recent lawsuits filed in XXXX for re-reporting or permitting access to consumer reports after the accounts were removed, which is also considered a willful disregard of consumer rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XX/XX/year>, I opened a credit card account with Bank of America, intending to use the card on an upcoming trip. Once on the trip, Bank of America restricted my account for " suspicious activity '' every time I tried to make a purchase at 'suspicious ' places like grocery stores, rendering the card useless.

Since the card is useless, I asked for the {$95.00} annual fee to be refunded and the account closed. Bank of America refused to do so unless I drive to one of their financial centers, none of which are particularly nearby.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: GA

Complaint narrative:
My information was involved in a XXXX data breach and I do not recognize these accounts below

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I am requesting full validation of this debt. The collector has not provided the chain of title, original contract, account statements, or proof of required notice as per the FDCPA. I demand immediate investigation, as I intend to pursue all remedies including arbitration if the collector fails to comply or continues illegal collection activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: MI

Complaint narrative:
Between late XXXX and XXXX, I discovered several accounts on my credit report that I did not recognize, authorize, or open. These include accounts reported by XXXX XXXX XXXX ( over {$29000.00} ), XXXX XXXXXXXX XXXX ( over {$600.00} ), XXXX XXXX ( nearly {$500.00} ), and multiple collection accounts, including from XXXX XXXX XXXX and XXXX XXXX 
I placed a fraud alert on my credit report on XX/XX/XXXX, and immediately contacted all three credit bureausTransUnion, Equifax, and Experianrequesting an investigation and removal of the fraudulent information. I submitted written disputes and flagged these accounts as identity theft. Despite these efforts, the accounts have not been removed, and the derogatory marks remain. 

Because of these fraudulent entries, my credit score has been severely impacted, and Ive been denied mortgage financing for a home. I have also received hard inquiries from companies Ive never applied with, including Ally Financial, XXXXXXXX XXXX XXXX and others between XXXX and XX/XX/XXXX. 

I am filing this complaint so the fraudulent information can be thoroughly investigated and removed from my credit report immediately, and so that my ability to buy a home is no longer affected by identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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:
Between late XXXX and XXXX, I discovered several accounts on my credit report that I did not recognize, authorize, or open. These include accounts reported by XXXX XXXX XXXX ( over {$29000.00} ), XXXX XXXXXXXX XXXX ( over {$600.00} ), XXXX XXXX ( nearly {$500.00} ), and multiple collection accounts, including from XXXX XXXX XXXX and XXXX XXXX 
I placed a fraud alert on my credit report on XX/XX/XXXX, and immediately contacted all three credit bureausTransUnion, Equifax, and Experianrequesting an investigation and removal of the fraudulent information. I submitted written disputes and flagged these accounts as identity theft. Despite these efforts, the accounts have not been removed, and the derogatory marks remain. 

Because of these fraudulent entries, my credit score has been severely impacted, and Ive been denied mortgage financing for a home. I have also received hard inquiries from companies Ive never applied with, including Ally Financial, XXXXXXXX XXXX XXXX and others between XXXX and XX/XX/XXXX. 

I am filing this complaint so the fraudulent information can be thoroughly investigated and removed from my credit report immediately, and so that my ability to buy a home is no longer affected by identity theft.

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