vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: SC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and validity of one or more collection accounts currently being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to request a reasonable reinvestigation of any item I believe to be inaccurate. Additionally, 15 U.S.C. 1681s-2 ( b ) requires data furnishers ( such as collection agencies ) to investigate and respond to disputes within 30 days.

Over 30 days ago, I submitted a method of verification request directly to the collection agencies reporting the following accounts : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  As of today, I have not received any documentation or response from the reporting agencies verifying the accuracy, ownership, or legitimacy of these debts. According to 15 U.S.C. 1681i ( a ) ( 5 ), if an item can not be verified during the reinvestigation, the credit reporting agency must promptly delete it from the consumer 's 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 non-monetary relief
Consumer complaint received 2025-07-09 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: General Motors Financial Company, Inc.
State: LA

Complaint narrative:
am writing to formally dispute and request validation of a repossession account being reported under my name by XXXX XXXX, account number XXXX Balance XXXX and GM Financial account number XXXX This account appears on my credit report and/or I have received collection notices regarding it. 

I request verification and detailed documentation to support the accuracy of the repossession and any alleged deficiency balance, as required under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) ( if applicable ). 
Please provide the following : 1. A copy of the original signed contract or loan agreement ; 2. Proof of default and the timeline leading to the repossession ; 3. Copies of all repossession and sale notices, including the post-sale deficiency notice ; 4. A copy of the bill of sale or proof of how the vehicle was disposed of and for how much ; 5. An itemized breakdown of any remaining balance and how it was calculated ; 6. Proof that you are authorized to collect or report this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
I owned my own house at XXXX XXXX XXXX XXXX XXXX Maine I was XXXX  almost XXXX  my two children were XXXX  as I was in emergency room hospital XXXX I have been stalked terrizied by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Other employees of XXXX XXXX XXXX and son in XXXX Maine, I have been XXXX XXXX  had to call police for domestic abusers drug related crimes flee from my house, the address is not on my credit report the loan and any account with both my husband XXXX XXXX XXXX on myself is not on my credit report, I was a XXXX  and I worked for XXXX XXXX XXXX in XXXX XXXX Maine XXXX as I was not summoned for the crimes and not giving my settlement, all jobs after I was attacked assaulted and ongoing had to stop working as getting injured in attempted XXXX XXXX XXXX XXXX with XXXX employees and XXXX XXXX, XXXX XXXX as XXXX XXXX tampering with evidence credit reports bank accounts attacks at ATM as XXXX XXXX to my two children XXXX XXXX XXXX and my daughter XXXX XXXX I have been to court and received nothing from your employees as submitted complaints of medical indenty thefts, identity thefts continued closed account police reports brutalities, false evictions false Arrested false hospitalized after debit card closed TD bank never gave me my settlement you have XXXX XXXX  as a violation they frauded my checking account saving account never fix anything on my credit report I have been chronic homeless jobless as having been attacked repeatedly by Maine district attorneys Cops Court clerks XXXX Banks overcharged and refused notary for court Gaurdianship application son and daughter XXXX  again now held in hospital, assisted living for smokers while being fraudulent terminated abusive employees supervisors at XXXX their app on my new XXXX XXXX  phone stopped money transfer to my XXXX bank account for payments, TD bank employees saying I went in bank twice to withdraw money I was never in bank that day, I paid my dental bills at bank with my TD account number and app, they emailed after my payment date said I didn't pay, I called XXXX XXXX said I did pay, she said I see where you tried but we didn't receive payment all my payments were not documented, my money was gone I had to walk to bank get cash walk to post office get money order send it, XXXX XXXX employees lied said they gave my dentures to another patient on my last appointment all XXXX XXXX account were closed I never received settlement on fraud abuse. I never received investigation reports from your investigator when I called at XXXX XXXX XXXX XXXX Maine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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:
I have noticed inaccurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TN

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-10 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: TN

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: MS

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
I am filing this complaint because there are collection accounts appearing on my credit report that do not belong to me and are inaccurately damaging my credit standing. I did not open these accounts, have no knowledge of the debts, and never authorized anyone to open them on my behalf.

I have disputed these accounts with the credit reporting agencies and the debt collectors, but they have failed to provide proper validation. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request full proof that I am legally responsible for these debts.

Acceptable proof of responsibility must include, at minimum : A copy of the original signed contract or application showing my signature or valid e-signature ; Full account statements detailing how the balance was calculated, including all charges, payments, and fees ; A clear chain of custody showing how the debt was transferred or sold from the original creditor to any third parties ; Identifying information that matches my name, Social Security number, and address at the time of the account opening ; Proof that I actually received the goods or services billed ; and Proper notices of my rights under the FDCPA. 
A simple balance statement or a credit report summary does not satisfy these legal requirements. If the collectors or credit bureaus can not provide this documentation, they are required by law to remove these unverifiable accounts immediately under FCRA 611 ( 15 U.S.C. 1681i ).

Please assist me in ensuring my consumer rights are upheld and that these invalid accounts are fully investigated and permanently removed if not validated with proper documentation. 

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 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

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 2025-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: FL

Complaint narrative:
I have my student loans through Mohela, the federal loan servicer. I am currently on the SAVE plan forbearance, which we were told was to be interest free. We were also told there would be an interest subsidy to cover any unpaid interest while on the plan if our own monthly payments did not cover the interest, which mine did not. I noticed my interest was continuing to grow before the forbearance began and had called Mohela about this and was assured that the interest was removed quarterly and would be removed. Ive noticed that the interest has continued to accumulate despite the interest free forbearance period to {$4100.00} and I have messaged Mohela about the interest accrual at least twice with no response.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I am filing this complaint because Citibank applied a large payment in a way that appears to violate both the Credit CARD Act ( 12 CFR 1026.53 ) and Citibanks own cardmember agreement, resulting in improper interest charges. I formally disputed the issue in writing, and Citibank declined to correct it.

On my Citi Simplicity account, I had a 0 % APR balance transfer offer that expired on XX/XX/2025. On XX/XX/XXXX, I made a payment of {$2600.00}, far above the minimum due. As of XX/XX/XXXX, Citi had reclassified the balance and began charging interest at 18.24 % APR, as clearly shown on my XX/XX/2025 statement. The statement listed both the promotional and new APRs side by side. 

Citi charged me interest on that high-rate balance, but refused to apply my XX/XX/XXXX payment to it claiming the balance wasnt yet billed because the next statement hadnt closed. This left no way for me to pay down the balance before interest began accruing. I contacted Citi via online chat and was escalated to a supervisor who repeated this explanation. I then mailed a formal dispute letter via certified mail, and Citi responded by refusing to adjust the payment or refund the {$42.00} interest charge. 

This practice is both misleading and inconsistent with the law. Regulation Z XXXX requires that any payment above the minimum be applied to the highest APR balance. Citis Simplicity Card Agreement also states : If you pay more than the minimum due, we apply the extra amount first to balances with higher APRs.

Citis claim that only billed APRs are eligible for payment is not disclosed anywhere and contradicts both their own agreement and my statement layout, which highlighted the new APR beginning XX/XX/XXXX. I believe Citi is applying payment logic that unfairly and deceptively generates interest charges and prevents consumers from paying down high-rate balances in real time. 

Im requesting that the CFPB review whether Citis policies violate XXXX or mislead consumers, and whether this practice affects other cardholders after promotional APRs expire.

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 2025-07-09 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: MI

Complaint narrative:
Reported fraudulent and data breach information but no help provided.

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 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Legal Demand for Immediate Removal of Unauthorized Negative Entries 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 XXXXXXXX To Whom It May Concern : This is a formal dispute and legal demand for the immediate deletion of all unauthorized negative entries, including collections and late payments, from my credit report.

It is unlawful under federal law for you to report or maintain any derogatory item on my credit report without my prior written consent. I never authorized, in writing or otherwise, any third-party agency to collect on or report debts allegedly tied to my name or social security number. 

According to 15 U.S. Code 1681b, no entityespecially a third-party debt buyermay access or furnish data to consumer reporting agencies without a permissible purpose and proper authorization. These debt collectors are not original creditors and have no valid, legal relationship with me. I did not create any agreement with these entities, nor did I authorize any debt to be bought, sold, or assigned in my name.

Furthermore, under 15 U.S. Code 1692e ( FDCPA ), it is illegal for debt collectors to use any false, deceptive, or misleading representation in connection with the collection of any debt. This includes falsely implying that they have the legal right to collect, report, or sue without valid documentation. 15 U.S. Code 1692g also requires proper validation of debt. Unless you have signed contracts or written proof of agreement from me, you are in violation of federal law by continuing to report these items.

This situation has caused me significant pain, wasted time, and deep disappointment. The negligent and unlawful reporting has interfered with my financial stability and emotional well-being. 

According to 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy. Under 15 U.S. Code 1681i, you have 30 days to investigate and correct or remove any item that can not be verified with proper documentation.

I am demanding that all third-party collection accounts and late payments that lack my written consent and verification be removed immediately. If this is not resolved within the legally mandated timeframe, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action. 

You are now formally and legally on notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. The account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I'm asking you to verify : Account name XXXX XXXX XXXX Account number XXXX Amount : {$2200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief