vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 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: NJ

Complaint narrative:
I believe my identity was compromised due to the * * 2024 XXXX XXXX XXXX XXXX * *, which exposed names, addresses, and Social Security numbers of millions of Americans. My personal information was likely accessed and misused as a result.

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 2025-06-21 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: ND

Complaint narrative:
TransUnion has a collection from XXXXXXXX XXXX XXXX as the original Creditor. A company named XXXX XXXX XXXX XXXX Is the collection agency says I owe {$140.00}. ( Acct. # XXXX ) I sent out a dispute letter directing them to delete this from my credit report because I did not approve them to take my personal information. So I want to know how and why do they have my personal information. I also have a inquiry from XX/XX/year> that was suppose to been deleted. This is Fraud.

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 2025-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Subject : Request for Overdraft Fee Waiver Due to XXXX Dear Customer Advocacy Team, I am writing as a long-time TD Bank customer regarding recent overdraft fees on my account ( XXXX ). 

I live with a XXXX and rely on a fixed income, which makes it difficult to recover from unexpected fees. I recently experienced an overdraft due to my circumstances, and was charged fees that are a true hardship for me. I reached out to TD Banks customer service and spoke with a supervisor, but unfortunately, my request for a waiver was declined. 

{$100.00} fee on the account so they refuse to waive the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to formally dispute the continued reporting of a debt currently listed on my credit report by LVNV Funding Collections. Under the Fair Credit Reporting Act ( FCRA ), negative items such as charged-off debts are only allowed to remain on a credit report for seven years from the date of first delinquency. 
It appears this debt collector has reported a date from 2020, which I assume is the date they purchased the debtnot the date of last activity on the original account. That date should not be used to reset or extend the reporting period. 
Given that the seven-year period has either passed or is fast approaching based on the actual date of delinquency, Im requesting that this account be immediately removed from my credit report in compliance with federal law. 
Please investigate this matter and confirm removal. If it is not corrected, I may pursue further action under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am locked out of my Experian account and unable to access my credit report or place a security freeze. This is extremely urgent because my Social Security number has been compromised and I need to freeze my credit file to protect myself from fraud. 



When I attempt to verify my identity through Experians online system ( Verify a different way ), I enter my correct phone number and the last 4 of my Social Security Number, but I never receive the verification code by text or phone call. As a result, I can not log in or secure my credit file. 



I have called Experians customer service phone numbers ( XXXX and XXXX ) multiple times, but the automated phone system does not provide any option to speak to a live representative. No matter what I say including fraud department, identity theft, or representative the system keeps cycling me through automated responses and will not connect me to a person. 



At this point, I am unable to protect my personal information because I can not access my account or place a credit freeze with Experian. Given that my Social Security number has been compromised, I urgently need Experians assistance to secure my credit file. I am requesting immediate contact from a live agent to help resolve this issue. 

This was the worst customer service experience I have ever encountered. They are supposed to be keeping our credit safe, but this is actually putting me at a greater risk because they are creating such terrible roadblocks to people being able to reach them when they need it urgently.

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 2025-06-21 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: PA

Complaint narrative:
I am submitting this complaint because several accounts that were either paid in full or XXXX in my XXXX  XXXX bankruptcy ( XXXX XXXX. XXXX, XXXX XX/XX/year> ) are still being reported inaccurately on my credit reports. These include XXXX accounts with XXXX XXXX and others from XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX 
Additionally, multiple unauthorized hard inquiries were made to my credit file without my permission, including XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>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/year> I have submitted disputes to TransUnion, Experian, and Equifax, but these items have not been corrected. This violates the Fair Credit Reporting Act ( FCRA ) and the Bankruptcy Code.

I am requesting the CFPB assist in the full deletion of these accounts and inquiries from all three credit bureaus.

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 2025-06-21 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: PA

Complaint narrative:
I am submitting this complaint because several accounts that were either paid in full or XXXX in my XXXX  XXXX bankruptcy ( XXXX XXXX. XXXX, XXXX XX/XX/year> ) are still being reported inaccurately on my credit reports. These include XXXX accounts with XXXX XXXX and others from XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX 
Additionally, multiple unauthorized hard inquiries were made to my credit file without my permission, including XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>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/year> I have submitted disputes to TransUnion, Experian, and Equifax, but these items have not been corrected. This violates the Fair Credit Reporting Act ( FCRA ) and the Bankruptcy Code.

I am requesting the CFPB assist in the full deletion of these accounts and inquiries from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX contacted Citi via their app to schedule payment toward my card ending in XXXX. I scheduled a payment for XXXX XXXX and another for XXXXXXXX XXXX on XX/XX/XXXX. I wws told that an automatic payment was scheduled for XX/XX/XXXX for XXXX XXXX This XXXXXXXX XXXX payment was NOT authorized by me! So I cancelled that payment! 
The next day XX/XX/XXXX I wake up to my checking account with TD having a negative balance because Citi Autopay took XXXXXXXX XXXX out of my account. This is the payment that I never authorized and also cancelled. I contacted Citi and had to wait until the morning to speak to a representative. So I called XXXX XXXX  and after speaking with a representative decided to contact Citi before I take further actions with XXXX XXXX. I then cancelled my XXXX scheduled payment of XXXXXXXX XXXX and XXXXXXXX XXXX  so that my account wouldnt be further overdrawn. I called Citi and requested a refund for this payment THAT I DID NOT AUTHORIZE and CANCELLED. Citi then credited back the XXXX XXXX and charged me the XXXXXXXX XXXX XXXX on XX/XX/XXXX. I contacted Citi again and verified that the payment was cancelled on XX/XX/XXXX and my refund was denied by their system due to a minimum payment situation after I made a payment plan with a representative on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: FL

Complaint narrative:
I sent a certified debt validation letter to XXXX Account XXXX XXXX XXXX on XX/XX/year> disputing a collection account they are reporting to TransUnion and Equifax for {$180.00}. 

They did not respond within the required 30 days and have continued to report the debt. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I am requesting that this collection account be removed from my credit report due to failure to validate and continued reporting of disputed, unverified debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Synovus Bank
State: MA

Complaint narrative:
This is my second formal CFPB complaint against First Progress / Synovus Bank, but it reflects multiple incidents of poor servicing and delayed access to my own funds. 

On XX/XX/XXXX, I received a letter stating that my card ( ending in XXXX ) was closed due to a compromised card. The letter clearly said that a new account would be established, and that I would receive a replacement card within 710 days. 

As of today, no new card has been sent, and I have received no confirmation of a new account being opened. 

Meanwhile : I am completely locked out of my online account at myccpay.com, despite repeated attempts to log in. 

I received a new billing statement after the card was closed, meaning the account remains active for billing but inaccessible for payments, monitoring, or dispute management. 

I was later told ( verbally ) that I need to submit a state ID and utility bill to restore access yet this requirement was never mentioned in the letter or in writing anywhere. 

The original warning emails were flagged by my email provider as suspicious or phishing, and were never successfully delivered to my inbox. 
This is the second serious servicing issue I've had to deal with involving First Progress. Prior to this, I had to dispute a situation directly with them where a bank payment was placed on hold for 10 days, without appropriate notice or explanation. That issue alone could have caused a credit reporting problem had I not acted swiftly to resolve it. 

My prior formal CFPB complaint ID was : XXXX ( submitted XX/XX/XXXX ) These issues one requiring direct dispute resolution with First Progress, and the other now requiring CFPB involvement reveal a troubling pattern of restricted access, unclear communication, billing during lockouts, and shifting justifications. I believe these may constitute UDAAP violations ( unfair, deceptive, or abusive acts or practices ).

I am requesting that the CFPB : 1. Investigate First Progress for patterns of obstruction, delay, and billing during account denial.

2. Require the immediate issuance of my new card and restoration of online access.

3. Reverse or refund any fees or interest charged during the suspension.

4. Confirm that no negative credit reporting has occurred due to the above. 



I have attached : The official letter from XX/XX/XXXX A screenshot showing my online account access denial My prior CFPB complaint confirmation This issue is ongoing and unresolved. I respectfully request the Bureau to take supervisory interest in this case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-21 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: FL

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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.

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 2025-06-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
I would like the following collections accounts removed. Many of these accounts fall under the statute of limitations or are misreported on my credit report. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the FAIR CREDIT REPORTING ACT, SECTION 609A1A, you are required by federal law to verify through physical verification of the original signed contract, any and all accounts that you post on credit report. Otherwise, anyone paying you for your debt is probably fraudulent. I demand to see verified proof. If you fail to validate, REMOVE ACCOUNT IMMEDIATELY.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/year>, I submitted a full file disclosure request to The Work Number ( Equifax Workforce Solutions ) under the Fair Credit Reporting Act ( FCRA ), specifically citing 1681g, 1681e, 1681i, and 1681b. My request included : Employment records from The XXXX XXXX, GardaWorld, and related defense contractors Rehire eligibility codes, including NEHR ( Not Eligible for Rehire ) flags Termination classifications ( voluntary, involuntary, medical, etc. ) Employer-submitted behavioral or performance-related annotations A full access/inquiry log Cross-system data from XXXX, XXXX, XXXX, and XXXX XXXX All source documentation and employer identifiers for each data point On XX/XX/year>, The Work Number sent me a document labeled Unofficial Employee Personal Use Only, assigned internal case number XXXX. Along with Case number XXXX, Case number XXXX. This document was explicitly marked as not suitable for verification or dispute purposes. It omitted nearly everything I requested : No mention of XXXX or XXXX Termination and rehire status fields were present but entirely blank No access or inquiry log No cross-referenced system data or source origins Furthermore, I was asked to provide my full Social Security number multiple times despite having already submitted valid identification and documentation through XXXX, their secure messaging/email service. The document I received appears intentionally incomplete and structured to give the illusion of compliance without fulfilling the requirements of 1681g.

I am requesting that The Work Number be compelled to provide a full, official disclosure of all data in my consumer file, including the actual information distributed to employers or government agencies. 
Additionally, I am concerned this situation may constitute spoilation, or intentional suppression of data. The fields for termination classification and rehire status were visibly present but left blank, and XXXX specifically named employers were excluded entirely. Given the timing, formatting, and omissions, I have reason to believe data may have been deleted, suppressed, or altered.

I also believe The Work Number or Equifax Workforce Solutions may have preemptively contacted third-party data contributors or employers to coordinate their response and suppress records. If true, this would represent a serious violation of my consumer rights and a breach of the FCRAs duty to ensure transparent and complete reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: FL

Complaint narrative:
On XX/XX/XXXX, i had a few credit cards open in my name in good standing with payments on time. Sometime in XXXX someone commited fraud on my bank account connected to my credit cards for payments. which was investigated, closed in my favor and my stolen money returned to my account. 

XX/XX/XXXX I was released from confinement but still XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

During XXXX through XXXX, I contacted all of the credit card companies, explained what had happened and that XXXX of dollars of late fees and collections were due to me being XXXX and the funds in my bank account being fraudulently stolen. 

None of these companies were willing to work with me but did continue to collect the debt in full. XXXX XXXX  being one that took money out of my bank accunt without my permission.

I filed disputes citing FCRA and provided all companies with my arrest report, my release to Department of Corrections and my final release out of confinement of all sorts. I also expressed that during this time ( XX/XX/XXXX to XX/XX/XXXX ) I was unable to work due to my being XXXX, I had been served with a divorce and was not able to return to my home during that time. 

These disputes were done on Transunion, Equifax and Experian starting XXXX and the final in XXXX. 

Equifax ruled in my favor and removed all of these collections with my proof of being incapable to pay and excessive collection costs and attempts from these companies and their collection agents. ( Some being that they are harassing myself and known acquaintances of mine ) Experian has not investigated any of these errors even with my proof and refiling a dispute. It appears that during the time I have been filing disputes with Experian they were sued for doing exactly what they did to me, to other people as well. Doing sham investigations. Even with proof and Equifax ruling in my favor, experian did not. 

Transunion did similar to Experian, They are still reporting what Experian is and not abiding by FCRA. I was able to log into my transunion account up until recently and now I am apparently blocked from logging in. 

in addition Experian and Transunion are both actively allowing reporting updates monthly on BOTH the original creditor and also the Collection account. The original creditor is reporting a 'Balance Due ' and have been for over 18 months while the collector is also reporting similar. 

XXXX XXXX XXXX has contacted me at inconvenient times AFTER I requested a cease and desist request via a phone call.

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 2025-06-21 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: NC

Complaint narrative:
my last name is incorrect on my report it say XXXX on the credit report but my last name is XXXX  I ask company to correct it but they never did

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