vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
XX/XX/year> at XXXX at M & T Bank in XXXXXXXX XXXX  I made an ATM deposit of {$400.00} at the outside ATM. The ATM machine would not take the deposit. It spit out the money and I tried again. That time it took my money and a receipt came out Deposit error to checking and kept my money. I proceeded to try to deposit {$50.00} to the ATM in the vestibule and that worked fine. So now I am out {$400.00}. I went the next day to the M & T in XXXXXXXX XXXX and spoke to a XXXX XXXX to give the receipts that was needed to start the dispute. She claimed she attached them to my case # XXXX, but come to find out last week she didn't and I received a letter of denial. I called the bank back and then faxed the receipts over to reopen the case. I faxed those receipts over again on XX/XX/year>. They are still denying my claim. This is not acceptable and I am out of {$400.00}.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax did not provide a fair and accurate investigation for my credit dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I have been overly harassed by phone, threatened without explanation of what or who the company is. I've tried to reason with them and have asked for explanations everytime I've received these calls. The calls come at all hours, before XXXX through after XXXX. This can not be professional!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year> Wells Fargo refused to reimburse a {$430.00} unauthorized charge on my checking account. Wells Fargo determined that this transaction was authorized or that a processing error did not occur.

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 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NV

Complaint narrative:
A copy of the original signed agreement or contract bearing my signature. 

A complete payment history, showing how the balance of {$670.00} was calculated. 

Documentation proving that Sunrise Credit Services , IncXXXX has the authority to collect this debt. 

The name and address of the original creditor.

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 2025-09-30 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-09-30 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: TN

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXXXXXX 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 2025-09-30 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In XX/XX/XXXX, XXXX sent me multiple letters confirming that my loans were placed into forbearance under the Borrower Defense to Repayment program, retroactive to XX/XX/XXXX through XX/XX/XXXX. This period clearly covers the months of XXXX XXXX. 

Despite this, XXXX continued reporting those same months as 90+ days past due to Experian and other consumer reporting agencies. On XX/XX/XXXX, Experians dispute results showed that XXXX verified the late reporting as accurate, even though it directly contradicts XXXX own letters. 

I contacted XXXX repeatedly, and on XX/XX/XXXX, XXXX confirmed in writing that it had submitted a credit dispute to remove the negative reporting. However, in follow-up correspondence, XXXX later claimed the reporting was valid because the forbearance was not processed until XX/XX/XXXX contradicting its own backdated deferment letters. 

This inconsistent handling has caused severe damage to my credit, left inaccurate late codes on my Experian file, and denied me fair reporting protections guaranteed under the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 1 ) ). 

Supporting evidence includes : XXXX letters dated XX/XX/XXXX showing forbearance backdated to XX/XX/XXXX. 

Experians XX/XX/XXXX dispute results verifying late codes. 

XXXX XX/XX/XXXX and XX/XX/XXXX emails giving contradictory statements about disputes and reporting

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 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Torriere Holdings INC
State: SC

Complaint narrative:
Re : Formal Complaint Against XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am filing this formal complaint against XXXX XXXX XXXX XXXX XXXX for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>, XXXX XXXX XXXX sent a text message to my mothers personal cell phone regarding an alleged debt. The message explicitly identified me by name ( XXXX XXXX XXXX ), referenced an account number ( Ref : XXXX ), provided settlement options, and stated, This is an attempt to collect a debt. 

This is a direct violation of 15 U.S.C. 1692c ( b ), which strictly prohibits debt collectors from communicating with third parties about any debt, except for limited location information. Furthermore, the message disclosed details that go far beyond location information, in direct breach of federal law. 

Violations Committed by XXXX XXXX XXXX XXXX. Unlawful third-party contact Disclosing debt collection information to my mother.

2. Failure to adhere to FDCPA restrictions Using text messages in a manner that violates consumer privacy rights.

3. Harassment and invasion of privacy Public disclosure of alleged debt in a manner intended to coerce payment.

Requested Action I am requesting that the CFPB take immediate enforcement action against XXXX XXXX XXXX for these blatant violations. Specifically, I ask that you : XXXX XXXX XXXX XXXX unlawful collection practices.

Order the company to cease all third-party communications. 

Impose penalties and corrective measures to prevent further violations. 

Ensure my consumer rights are fully protected and enforced. 


Supporting Evidence Attached to this complaint is a screenshot of the text message received by my mothers phone on XX/XX/year>, showing the unauthorized communication. 

XXXX XXXX XXXX actions are not only illegal but deeply damaging. This type of misconduct must be stopped. I expect full accountability for their unlawful behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I applied for a unemployment forbearance and was denied as loan was current. Reapplied and was said denied and there is no change in circumstance, when in fact loan now is 60 days past due. 

The bank is not responsive and incorrectly denied the application

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
Nn XXXX I encountered significant predatory obstacles that were designed to make closing a checking account at CHASE ridiculously hard. They made it unreasonably difficult to cancel my account. For the record, I am a relatively tech-savvy millennial yet even I have had issues navigating this. They make the process confusing- there is NO option in their app or online that I can clearly click that says 'close account '. To even start the process, I had to use their AI chatbot to ask for help, who gave me a phone number that took 10+ minutes of wasted 'automated ' menu options that were all extremely pointless. I had to input my account number before even reaching a person, who then had me do all this information again. I was forced to sign-up for voice validation to remain on the call when signing in- which is ridiculous since I want to close my account, but to do that I had to consent to signing up for that? 

After all that I finally got to an automated message telling me they would call me back. I gave them my phone number, and they called me back. The customer service representative then made me re-give my account number and full name. When they asked me what I was calling about, I said I wanted to close my chase account and immediately the customer service representative 'could no longer hear me " despite me being able to hear him clearly. I was calling from my office that I made numerous phone calls from every day- so I know I have clear reception on my end. After 30 seconds of saying he could not hear me- he hung up. So now I need to go through the whole process again. The second call took 30 minutes when they said it would take 20 minutes. This time I was able to reach someone who had a crystal clear reception ( my location did not change at all ) and they helped me close the account. The total time took around 1.5 hours to close my account- which is ridiculous. 

It feels like a complete abuse of customers to force them to work this hard to close an account. But if I do not close this account in a timely manner, I have to pay a recurring fee to keep it open. It is blatantly predatory. and again, I am a relatively tech savvy individual. If this is someone who is older, or someone who is not as used to using apps, or has issues navigating technology, this process to close a simple checking account would literally be impossible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Equifax Creditor Inquiry Date ( s ) Type XXXX XX/XX/XXXX Hard XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Hard XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Hard XXXX XXXX XXXX XXXXXX/XX/XXXX Hard U.S. Department of Education XX/XX/XXXX Hard Transunion Hard Inquiries in Question : Name Location Requested On Phone Type XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX ) XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XX/XX/XXXX, XX/XX/XXXX Phone number not available Individual XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/XXXX ( XXXX ) XXXX Individual XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, MI XXXX XX/XX/XXXX ( XXXX ) XXXX Individual XXXX XXXX XXXX XXXX, XXXX, OR XXXX XX/XX/XXXX ( XXXX ) XXXX Participant XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX, XX/XX/XXXX ( XXXX ) XXXX Individual XXXX XXXX XXXX XXXX  XXXX, XXXX, VA XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX ) XXXX Individual XXXX XXXX XXXXXXXX XXXX, XXXX, PA XXXX XX/XX/XXXX ( XXXX ) XXXX Individual XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX ( XXXX ) XXXX Individual XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OR XXXX XX/XX/XXXX ( XXXX ) XXXX Participant XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, PA XXXX XX/XX/XXXX ( XXXX ) XXXX Individual XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XX/XX/XXXX ( XXXX ) XXXX Individual XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XX/XX/XXXX ( XXXX ) XXXX Individual XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX ( XXXX ) XXXX Individual XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XX/XX/XXXX ( XXXX ) XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX XX/XX/XXXX ( XXXX ) XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/XXXX, XX/XX/XXXX ( XXXX ) XXXX Individual XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX ( XXXX ) XXXX Individual XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XX/XX/XXXX ( XXXX ) XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, TN XXXX XX/XX/XXXX ( XXXX ) XXXX Individual XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CT XXXX XX/XX/XXXX ( XXXX ) XXXX Individual

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 2025-09-30 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: MI

Complaint narrative:
Equifax Creditor Inquiry Date ( s ) Type XXXX XX/XX/XXXX Hard XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Hard XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Hard XXXX XXXX XXXX XXXXXX/XX/XXXX Hard U.S. Department of Education XX/XX/XXXX Hard Transunion Hard Inquiries in Question : Name Location Requested On Phone Type XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX ) XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XX/XX/XXXX, XX/XX/XXXX Phone number not available Individual XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/XXXX ( XXXX ) XXXX Individual XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, MI XXXX XX/XX/XXXX ( XXXX ) XXXX Individual XXXX XXXX XXXX XXXX, XXXX, OR XXXX XX/XX/XXXX ( XXXX ) XXXX Participant XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX, XX/XX/XXXX ( XXXX ) XXXX Individual XXXX XXXX XXXX XXXX  XXXX, XXXX, VA XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX ) XXXX Individual XXXX XXXX XXXXXXXX XXXX, XXXX, PA XXXX XX/XX/XXXX ( XXXX ) XXXX Individual XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX ( XXXX ) XXXX Individual XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OR XXXX XX/XX/XXXX ( XXXX ) XXXX Participant XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, PA XXXX XX/XX/XXXX ( XXXX ) XXXX Individual XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XX/XX/XXXX ( XXXX ) XXXX Individual XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XX/XX/XXXX ( XXXX ) XXXX Individual XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX ( XXXX ) XXXX Individual XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XX/XX/XXXX ( XXXX ) XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX XX/XX/XXXX ( XXXX ) XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/XXXX, XX/XX/XXXX ( XXXX ) XXXX Individual XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX ( XXXX ) XXXX Individual XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XX/XX/XXXX ( XXXX ) XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, TN XXXX XX/XX/XXXX ( XXXX ) XXXX Individual XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CT XXXX XX/XX/XXXX ( XXXX ) XXXX Individual

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 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
DEAR CONSUMERFINANCE.GOV, I HAVE SENT OUT LETTERS AND AN EMAIL TO REACH TD BANK CREDIT CARD SERVICES IN REFERENCE TO RECEIVING MY SECURITY DEPOSIT OF {$500.00} WHICH WAS BEING HELD FOR ALMOST 7 YEARS FOR NON- PURPOSES. I HAVE PAID ON TIME AND PAID OFF THIS ACCOUNT SEVERAL TIMES, BUT TD BANK CREDIT CARD SERVICES REFUSED TO REFUND MY SECURITY DEPOSIT AND JUST RECENTLY CLOSED THE CREDIT CARD ACCOUNT ON XX/XX/year>, WITHOUT MY KNOWLEDGE AND NOT RESPECTFULLY REACHING OUT TO ME AS A CONSUMER FOR BEING LATE FOR XXXX AND XXXX PAYMENTS FOR 2025. I DIDN'T PAY XXXX AND XXXX STATEMENTS BECAUSE THE TD BANK CUSTOMER CARE REFUSED TO ANSWER MY EMAIL AND LETTERS BY MAIL AND I DIDN'T SEE NO NEED TO KEEP PAYING THIS TD BANK CREDIT CARD ANYMORE. THE XXXX BRANCH CLOSED ON XX/XX/year> AND THAT IS WHERE I HAD OPENED MY SECURED CREDIT CARD ACCOUNT! I HAVE TRIED SUCCESSFULLY TO CONTACT THIS TD BRANCH BY PHONE AND VISITING THE XXXX BRANCH ONLY TO STATE THE TD CREDIT CARD WASN'T UPGRADED TO A UN SECURED VISA CREDIT CARD. I FEEL IT WAS BECAUSE I DID RECEIVE THE VISA SIGNATURE CREDIT CARD MUCH LATER BUT SOMEHOW THE XXXX BRANCH TD BANK KEPT MY SECURITY DEPOSIT. I AM ENTITLED TO MY {$500.00} SECURITY DEPOSIT AFTER ALL THESE YEARS AND JUST BECAUSE I DIDN'T PAY XXXX AND XX/XX/year> STATEMENTS IS NOT A VALID REASON TO SUDDENLY KEEP MY SECURITY DEPOSIT AND PAID OFF THE TD CREDIT CARD ACCOUNT BY CLOSING IT AND STATING BY LAW THEY CAN DO IT. THAT IS UNACCEPTABLE BECAUSE I HAD REQUESTED MY SECURITY DEPOSIT OF {$500.00} FOR MANY YEARS. I ALSO WAS TOLD BY PHONE THAT MY ACCOUNT WAS BEING HANDLED ROBOTICS. TD BANK CUSTOMER REPRESENTATIVE STATED THAT TO ME, THAT WOULD MAKE SENSE IF NOT BEING HANDLED BY HUMANS! BUT HOW IRONIC FOR A HUMAN TO FINALLY HANDLE MY TD CREDIT CARD ACCOUNT NOW TO CLOSE IT AND RETRIEVE MY {$500.00} SECURITY DEPOSIT MANUALLY. THAT IS FRAUDULENT AND UNACCEPTABLE TO ME AS A TD BANK CREDIT CARD HOLDER. THANK YOU TO INVESTIGATION CONSUMERFINANCE.GOV! * * UPLOADED

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief