vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Medical Data Systems, Inc.
State: MS

Complaint narrative:
I am disputing the accuracy of a medical collection account being reported by Med Data Systems related to an alleged bill from XXXX XXXX XXXX. 

I do not believe this account is being reported accurately. I did not receive proper billing, itemized statements, or validation of this debt before it was placed on my credit report. This account may have been covered by insurance, yet it was reported without confirmation that insurance billing was completed or denied.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), information furnished to the credit bureaus must be accurate and verifiable. At this time, Med Data Systems has not provided documentation showing that this account is accurate or that they have the legal authority to report it.

I am requesting that this account be removed from my credit report or that Med Data Systems provide full documentation verifying the accuracy and compliance of this reporting. 
Thanks, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
XXXX XXXX ENDING XXXX HAVE XXXX TRANSACTION THAT CARD WAS STOLEN.I REPORTED BUT IT WAS PENDING NOW DISPUTING BUT REVERSING.CARD GOT STOLEN AND MISUSE INFORMATION SOLUTION WANT TO DISPUTE 9 TRANSACTION. XXXX {$800.00}. XXXX {$36.00}. XXXX {$40.00}. XXXX {$30.00} XXXX {$300.00} XXXX {$30.00} XXXX {$5.00}. XXXX {$27.00} XXXX {$21.00} ALL UNAUTHORIZED TRANSACTION AND FRAUD TRANSACTION I HAVE NO KNOWLEDGE NONE OF THEM DISPUTE AS SOON AS POSSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: MS

Complaint narrative:
15 U.S. Code $ 1681c-2 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 4 business days after the date of receipt. I have attached my FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
This is not a Duplicate : CFPB stop closing my tickets!! 

Capital one charge me over {$60.00} in fees for using my credit card for shopping, apparently the merchant coded the transition as a cash advance vs regular credit card transaction and capital one let those transaction true while charging me fees and interest on them. 

Reject these transactions or give me a clear, enforceable option to permanently opt out of cash advances. As a customer, I do not control how merchants code transactions. That is entirely outside my control and is a risk the bank is responsible for managing. You already flag my account for minor and routine activity, such as shipping to a different state, yet you failed to flag or block these cash-advance transactions. That is not an oversightit is a systems failure on your part. 

These fees are entirely your doing. You did not absorb any merchant costs ; instead, you collected nearly {$60.00} in fees from me for transactions I neither authorized nor intended to be treated as cash advances. Holding the customer financially responsible for your failure to implement basic transaction controls is unacceptable. 

Your customer support process further demonstrates disregard for accountability. You made a single, mid-day attempt to contact me and left a generic 1-800 number. When I returned the call, customer service had no knowledge of the issue or any record of the complaint. This is not a meaningful attempt at resolution and does not meet basic consumer-protection standards. 

At this point, your handling of this matter reflects a lack of concern for both CFPB expectations and your obligation to protect your customers. I expect immediate remediation and a clear policy change to prevent this from happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I am submitting this complaint because TD Bank USA/Target is furnishing inaccurate and misleading information on my credit report, and they refused to correct it after multiple disputes. Their conduct violates several provisions of the Fair Credit Reporting Act ( FCRA ). 

The Target/TD Bank account XXXX XXXX XXXX XXXX XXXX  contains inaccurate, contradictory, and impossible data, including inconsistent late-payment sequences, repeated charge-off notations across multiple months, and conflicting balance information. This reporting is factually false and creates a harsher and more damaging credit profile than what actually occurred. 

I disputed these inaccuracies with XXXX, XXXX, and XXXX, and each CRA notified TD Bank USA pursuant to FCRA 1681i ( a ) ( 2 ). Instead of correcting the errors, TD Bank verified the account without addressing any of the inaccuracies. This is a clear violation of : FCRA 623 ( a ) ( 1 ) ( A ) furnishing information known or that should be known to be inaccurate FCRA 623 ( b ) ( 1 ) ( A ) - ( D ) failure to conduct a reasonable investigation after receiving disputes FCRA 1681e ( b ) failure to ensure maximum possible accuracy Federal courts have repeatedly held that contradictory or incomplete reporting violates the FCRA, including : XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX BB & T, and XXXX XXXX BEH-1, LLC. 

TD Bank USA is knowingly furnishing false information and refusing to correct it after notice, which constitutes willful noncompliance under the FCRA.

Requested Resolution ( Opportunity to Cure ) : I am requesting that CFPB require TD Bank USA/Target to : Permanently delete the inaccurate Target/TD Bank tradeline from all consumer reporting agencies ; and Waive any remaining balance associated with this account, as the reported data is unreliable, contradictory, and was published in violation of federal law. 

If TD Bank fails to cure these violations, I will initiate a federal lawsuit for willful violations of the FCRA seeking statutory damages, actual damages, attorneys fees, and injunctive relief. 

I am requesting immediate CFPB intervention because TD Banks continued reporting is unlawful, harmful, and non-compliant with federal consumer-protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Leafy Financial, LLC
State: TX

Complaint narrative:
I have XXXX accounts with this creditor. I have XXXX delinquencies reported recently by then. They reported me for delinquency for XXXX account though I set up automatic payments and never got notice of a failure to pay. The other delinquency is inaccurate. When I asked them to correct this, they avoided responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency XXXX only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX  - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX  - XX/XX/year> XXXX XXXX XXXX Account # : XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency XXXX make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX -- -- Opened : XX/XX/XXXXXXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXXXXXX XXXX # XXXX -- -- Opened : XX/XX/XXXXXXXX XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX  XXXX Bankruptcy # XXXX -- -- Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian 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 non-monetary relief
Consumer complaint received 2025-12-15 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: TX

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 identity theft. 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 id-entity 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.

15 U.S. Code 1681b 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. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block t
he 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 4 business days after the date of receipt.

15 U.S. Code 1681 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 identity theft. 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 id-entity 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.

15 U.S. Code 1681b 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. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block t
he 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 4 business days after the date of receipt.

15 U.S. Code 1681 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 non-monetary relief
Consumer complaint received 2025-12-15 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: WI

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 identity theft. 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 id-entity 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.

15 U.S. Code 1681b 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.

15 U.S. Code $ 1681c-2 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 4 business days after the date of receipt.

15 U.S. Code 1681 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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:
My credit report contains an unrecognized address that I have never lived at. My current address is completely missing from the 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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized personal information currently being reported on my credit file with your agency, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and my federally protected Right to Privacy. Pursuant to 15 U.S.C. 1681e ( b ), credit reporting agencies are legally required to maintain only accurate information and ensure the maximum possible accuracy of consumer data. Furthermore, the FCRA prohibits the inclusion of obsolete, unverifiable, or irrelevant personal information, including addresses and employers that are not demonstrably and directly associated with the consumers credit history. Incorrect Information Reported : Name Variations The only authorized and correct name that should appear on my credit report is : XXXX XXXX XXXX Any other name variation must be permanently removed as it is incorrect and misleading. Addresses The only address that should appear on my credit file is : XXXX XXXX XXXX XXXX, Michigan XXXX, Any other addressesincluding but not limited to : XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX MI XXXX Any previous address listings without proper verification or association with my credit history must be removed immediately as they are erroneous and constitute a violation of FCRA provisions. Legal Basis for This Dispute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under the FCRA, you are obligated to : Ensure the maximum possible accuracy of the information in my file ( 1681e ( b ) ) Correct or delete any information found to be inaccurate or unverifiable within 30 days of this notice ( 1681i ( a ) ) Refrain from violating my Right to Privacy by publishing or reporting personal data without my consent or in the absence of a 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 explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: IL

Complaint narrative:
A collection account was reported to my credit file without me ever receiving a validation notice or any prior communication from the collection agency. I first became aware of the collection only after my credit score dropped by approximately XXXX points. 

The alleged debt originates from a former landlord, XXXX XXXX XXXX Illinois ). I moved out of the property on XX/XX/year>. I acknowledge responsibility for a postmove-out cleaning fee, which resulted in the forfeiture of my security deposit. I do not dispute the cleaning charge or deposit forfeiture. 

However, the landlord billed an additional {$5600.00} for cosmetic upgrades and renovations, which were improperly labeled as tenant-caused damage. These charges do not represent damage beyond normal wear and tear and are not legally chargeable to a tenant under Illinois law. 

On XX/XX/year>, I received an email from the landlord demanding payment within 10 days. The alleged balance was later sent to a collection agency. I never received any written notice or debt validation from the collection agency prior to the debt being reported to the credit bureaus. 

Reporting a collection account without first providing the required validation notice violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Reporting an inaccurate and unverified debt also violates the Fair Credit Reporting Act.

I am requesting : Immediate removal of the collection account from all credit reporting agencies Written confirmation that the account is closed and no further collection activity will occur Correction of any inaccurate credit reporting This debt is invalid, was improperly characterized, and was reported without proper notice, causing documented financial and credit harm.

Company response to consumer: Closed with explanation