vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD continues to tweak my monthly payment to reflect escrow adjustments. Then when I make an autopayment even if it is a XXXX off they do not apply any to the current monthly payment and I incur a full late fee and impact to my credit score. All this although I do not always get the statement in the mail on time to even know what my updated monthly due is. They refuse to allow me to get my statement via email and even getting a replacement statement I have to call up and have them mail to either a branch or to my house. By then there is already a late fee. This is clearly done to incur higher fees from borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
On XX/XX/year>, I filed a dispute with my current bank for {$5300.00}, covering XXXX unauthorized transactions. 

I submitted the dispute with supporting documentation, including a police report and proof that the gear involved was stolen. I also included communication with the company that rented the equipment. Despite this, the claim was denied without a clear explanation or proper investigation.

Im requesting the CFPB to assist in having the bank reopen the dispute, properly evaluate the documentation I provided, and issue reimbursement under Regulation E.

I did not authorize or benefit from these charges and believe this denial was made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: AL

Complaint narrative:
I am writing to advise that I am a XXXX XXXX XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 

INQUIRIES XXXX XXXX XXXXXX/XX/year>

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 2025-07-22 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: TX

Complaint narrative:
XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Experian XXXX XXXX XXXX  XXXX XXXX, TX XXXX Date : XX/XX/XXXX RE : Formal Debt Validation and Verification Request Under FCRA and FDCPA To Whom It May Concern, I am writing to dispute the following accounts currently appearing on my Experian credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am demanding full validation and verification of each account listed below. 

XXXX XXXX XXXX | Account # : XXXX | Amount : {$1200.00} XXXX XXXX XXXX  | Account # : XXXX | Amount : {$180.00} XXXX XXXXXXXX XXXX | Account # : XXXX | Amount : {$860.00} As a consumer, I have the right to request proper documentation and demand that any unverifiable, inaccurate, or outdated information be immediately deleted from my credit profile. You are required by law to provide : A copy of the original signed contract that initiated the alleged debt. 
A detailed, itemized statement showing how the balance was determined. 
Documentation of the assignment or transfer of the debt showing legal right to report it. 
The full name and contact details of the individual who verified these accounts. 
Proof that these debts are still legally owed, and not sold, settled, or discharged.

Do not rely on the E-Oscar system or any third-party database to verify these accounts. A computer-generated response does not qualify as proper verification under the FCRA. 

If these accounts can not be fully validated, they must be permanently removed from my credit file under 15 U.S.C. 1681i. If Experian fails to comply, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Texas Attorney Generals Office. 

You have 30 days to complete this investigation and respond to this request in writing. 

Sincerely, 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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my credit report today as I normally do, but this time I saw unexpected discrepancies. I even tried refreshing my browser thinking it might just be a temporary glitch, but the inaccurate accounts remained. Due to this issue, Im requesting a thorough review of the documents Ive submitted so I can finally have peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: OH

Complaint narrative:
Several inquiries have appeared on my credit report without my consent or knowledge. I took the proper steps and submitted a formal dispute to Equifax, requesting supporting documentation that would justify the presence of these inquiries. I asked specifically for proof of authorization or any record indicating I granted permission. However, I have not received a single response or document from the bureau. 

XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX The companies listed above are also detailed in the attached dispute letter I previously submitted. These were not authorized by me, and since no valid proof has been shared, I am turning to the CFPB to ensure this matter is taken seriously and that my rights as a consumer are respected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: GA

Complaint narrative:
There are several in accuracies on my account that needs attention

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 2025-07-22 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: GA

Complaint narrative:
There are several in accuracies on my account that needs attention

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading 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 2025-07-22 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX 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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I have made timely payments ; however, the reported payment history contains anomalies, including a few months marked with inconsistent balances and unexpected delinquencies.

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 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
Ive had my account for a year now so Im aware of what looks ok and what doesnt. I have overdraft my card several times which only let me go to {$48.00} and some change, never less never more. In XXXX I overdraft my card {$48.00} I believe and I was charged a monthly fee and XXXX other overdraft fees which made my negative account even more negative. The first us bank representative said XXXX overdraft the card over more than {$48.00} which was a lie because it went up after they charged me all those fees. The second representative I spoke with today said the monthly maintenance fee is what made me go over so I was charged those overdraft fees ( didnt make any sense since their the ones who charged a negative account. Ive been asking to speak to a supervisor & constantly getting hung up on until I just told the last representative if I cant speak to a supervisor Ill be filing a complaint with you guys and I been on the phone with him ever since.

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 2025-07-22 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: NJ

Complaint narrative:
This correspondence is to raise a formal dispute regarding recent hard inquiries that appear on my credit report without my permission. I did not authorize any third parties to access my credit file on those dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-22 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:
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. 

XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX List of Unauthorized Inquiries : XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX 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 2025-07-22 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: TX

Complaint narrative:
XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX RE : Formal Debt Validation and Verification Request Under FCRA and FDCPA To Whom It May Concern, I am formally disputing the accuracy and legality of the following accounts being reported on my TransUnion credit report. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting full validation and verification of these accounts : XXXX XXXX XXXX | Account # : XXXX | Amount : {$1200.00} XXXX XXXX XXXX  | Account # : XXXX | Amount : {$180.00} XXXXXXXX XXXX XXXX | Account # : XXXX | Amount : {$860.00} In accordance with federal law, please provide : A copy of the original signed contract bearing my wet-ink signature. 
A complete itemized statement showing how the debt amount was calculated. 
A copy of the full chain of custody or assignment, showing who legally owns this debt. 
The name and contact information of the individual who verified this debt. 
Evidence that these debts are not time-barred or discharged.

Confirmation that your office is not using the E-Oscar system in lieu of actual investigation and documentation.

A generic notice stating an account is verified is not sufficient and does not fulfill your legal obligation under 15 U.S.C. 1681i. If you are unable to produce proper documentation to validate the items listed, you are required by law to delete them from my credit profile immediately. 

Failure to comply will result in formal complaints being filed with the CFPB, FTC, and the Texas Attorney General 's Office. I am prepared to pursue legal action if these rights continue to be violated. 

Please complete your investigation and provide all supporting documentation to the address listed above within 30 days. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-22 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: NC

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from 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 2025-07-22 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX - XXXX of information resulting from identity theft ( a ) Block 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 by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( XXXX ) that the information XXXX be a result of identity theft ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. 

( c ) XXXX to decline or rescind A consumer reporting agency XXXX decline to block, or XXXX rescind any block of, information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( XXXX ) the information was blocked due to a misrepresentation of fact by the consumer relevant to the request to block ; ( XXXX ) the consumer agrees that the blocked information or portions of the blocked information were submitted in error; or ( XXXX ) the consumer knowingly obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

If a block of information is rescinded under this subsection, the consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section XXXX ( a ) ( XXXX ) ( B ) of this title. 

( d ) Exception for resellers This section shall not apply to a consumer reporting agency, if the agency is acting as a reseller of credit information by assembling and merging information contained in the database of another consumer reporting agency or multiple agencies, and does not maintain a permanent database of credit information from which new consumer reports are produced. 

However, a reseller shall be responsible for blocking the information identified by the consumer under subsection ( a ) in any report produced by the reseller. 

( XXXX ) Exception for verification companies The provisions of this section do not apply to check services companies, acting as such, which issue authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payment, or to fraud prevention services companies, acting as such, which issue reports for the purpose of preventing or investigating fraud.

Company response to consumer: Closed with explanation