vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Leaders Financial Company
State: DE

Complaint narrative:
Reinvestigation - I dont agree with the account which still appears on my credit report even after your investigation. I would like for this account to be reinvestigated. These inaccuracies are highly injurious to my credit rating.

Furthermore in accordance with the Fair Credit Reporting Act Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom the inaccuracies so that I may follow up. 
Leaders Financial Company Account number 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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I am filing a complaint regarding a collection account being reported by XXXX XXXX XXXX for a debt they allege I owe. 

This account shows an open balance of {$990.00}, opened on XX/XX/year>, and is currently being reported as an open collection. 

I am requesting removal of this account from my credit report for the following reasons : XXXX XXXX has not provided proper validation or proof that they are the rightful owner of the alleged debt. 
The original creditor details are missing or unclear. 
The reported balance, account age, and reporting status may be inaccurate. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I have the right to accurate, complete, and fully verified reporting. I demand this account be either fully validated or removed from all credit bureaus. 

Please investigate this matter thoroughly and respond with documentation used to verify the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: GA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-18 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: EQUIFAX, INC.
State: GA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-06-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
My relatives and employer have been contacted with threats of things that will happen to me. They are sharing personal loan information details, amounts owed for loans and calling relatives that were not co-signers or legal obligation signees. 
XXXX XXXX with Transworld at XXXX is making numerous harassment phone calls to include relatives and my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: MD

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of XXXX XXXX The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
XXXX XXXX XXXX XXXX outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 
XXXX XXXX XXXX $ XXXX a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX Code XXXX Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-06-17 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: TX

Complaint narrative:
I am writing to formally express my deep dissatisfaction with the service I received from one of your customer service agents during a recent call my debit card. Not only was my card cancelled without my full understanding or consent, but the representative I spoke with displayed an unacceptable attitude throughout the conversation. This experience left me feeling frustrated and disappointed in the level of service provided by your company. I am going on vacation in 2 days and was told they could not expedite a card for me which has caused undue stress to my family and I.

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 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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:
n 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. 
Account name : XXXX XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of
information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.C. 1681B ( 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 non-monetary relief
Consumer complaint received 2025-06-17 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
TD AUTO FINANCE WAS THE LENDOR ON XXXX XXXX TRUCKS WE PURCHASED FOR OUR BUSINESS, SPAY NEUTER IMPERATIVE PROJECT CALIFORNIA. WHEN PURCHASED FROM XXXX, THE DEALERSHIP FAILED TO PROVIDE MY CORRECT MAILING ADDRESS, THUS I NEVER RECEIVED THE BILLING STATEMENTS. I NEVER RECEIVED ANY NOTICE FROM TD AUTO FINANCE AND INSTEAD WAS REPORTED " late '' TO THE CREDIT BUREAUS. I SUBSEQUENTLY PAID THE LATE PAYMENTS BUT TD AUTO WOULD NOT REMOVE THE DELINQUENCY. 

THE EXACT SAME THING TRANSPIRED WITH XXXX XXXX XXXX XXXX. THE XXXX DEALERSHIP FAILED TO INCLUDE MY MAILING ADDRESS AND I WAS " late '' XXXX MONTHS. I SUBSEQUENTLY PAID THE LATE PAYMENTS BUT XXXX XXXX  WOULD NOT REMOVE THE DELINQUENCY. 

MY CREDIT HAS ALWAYS BEEN IMPECCABLE AND THIS REPORTING HAS CAUSED MY CREDIT SCORES TO BE DAMAGED IMMENSELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I filed a dispute with XXXX regarding multiple inaccurate, unverifiable, and unauthorized items on my credit report. Despite submitting full documentation including a government ID, utility bill, and a highlighted report, XXXX  has failed to correct the following issues : Charged-off and inaccurate accounts ( e.g., XXXX  XXXX, XXXX XXXX  XXXX XXXX XXXX Card, XXXX XXXX Cards, and others ) Unvalidated collection accounts reported by XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX Outdated or improperly closed accounts like XXXX Hard inquiries that I did not authorize ( e.g., XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 ) These entries violate FCRA sections 1681i, 1681s-2 ( a ), and 1681b, as they are unverifiable, inaccurate, or were made without permissible purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I filed a dispute with XXXX  regarding multiple inaccurate, unverifiable, and unauthorized items on my credit report. Despite submitting full documentation including a government ID, utility bill, and a highlighted report, XXXX  has failed to correct the following issues : Charged-off and inaccurate accounts ( e.g., XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX Card, XXXX XXXX Cards, and others ) Unvalidated collection accounts reported by XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX Outdated or improperly closed accounts like XXXX Hard inquiries that I did not authorize ( e.g., XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> ) These entries violate FCRA sections 1681i, 1681s-2 ( a ), and 1681b, as they are unverifiable, inaccurate, or were made without permissible purpose.

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 2025-06-17 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: MI

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
opened a Bank of America checking and savings account online in XX/XX/year> I funded the accounts with a total of {$120.00} using XXXX  Within a short time, I experienced issues when attempting to access the account online. I was never able to login to these accounts nor did I receive a debit card. It prompted verification to a phone number and email that were not mine. I called Bank of America, and after multiple long hold times and transfers, I was told the account was closed due to identification issues. 

I was assured by a representative that my money would be returned automatically. Weeks have passed, and I have not received my money no deposit return, no mailed check, and no written communication from the bank regarding the closure. 

Ive spent hours on hold, been transferred between departments, and still have no access to my funds. I even contacted the bank a second time and was told they couldnt locate my account at all and that Id need to go into a branch. 

This experience has caused stress, financial strain, and is highly unprofessional. I want my money returned and a resolution to this situation.

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 monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This complaint is intentional and valid. My credit report contains inaccurate information that does not meet the legally required standard of maximum possible accuracy. These errors are directly and significantly impacting my financial stability and personal well-being. 
This ongoing situation is creating an unjust and unnecessary burden during an already challenging period.

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 2025-06-17 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-17 00:00:00
Product: Debt collection — Rental debt
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: ProCollect, Inc.
State: MA

Complaint narrative:
This account wan never suppose to have been created. It was a miscommunication between us. I called the collection and I was met with vulgar language and threats. I think these collection agencies feel as they thought they are above the people. And this information was never even presented to me. They never sent an email or anything. I had to find out by looking at my credit report

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 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MA

Complaint narrative:
I was going to school on the south side of XXXX where I was playing basketball at also having teammates that stole my identity and my credit cards, then charged it by making payments which I did not know about and put me in a bad situation

Company response to consumer: Closed with explanation