vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/year> at XXXX XXXX i deposited a check for {$1400.00} through the ATM at the td bank drive through, XXXX, nj XXXX. The atm is supposed to read the amount on the check and deposit it, when it read the check number and deposited {$73000.00}. I went to the bank the following day to resolve this and was told the ATM read the check number which was XXXX. They put a XXXX  day hold on the check because it is so large. A check that doesn't even exist. They also told me they don't count weekends so that XXXX day hold is now XXXX days until the check clears which puts my acct in the red which there going to charge me late fees. Why should I be punished for there mistake. This is also a check issued by the state of nj which always clears in XXXX days. 
I feel this simple mister could have been resolved alot quicker then wating XXXX days for this check to clear. I don't know what you can do but want you to be aware of a problem that should not happen with today 's technology. Thank you for your help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

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 2025-03-25 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: MI

Complaint narrative:
To Whom It May Concern, I recently obtained a copy of my credit report and discovered that your organization has been furnishing inaccurate and unauthorized accounts on my consumer report. I demand that the following accounts be immediately deleted from my credit file : Accounts in Question : DEPT OF EDUCATION/XXXX Account Numbers : XXXX Violations Committed Under Federal Law : Your continued reporting of these accounts is in direct violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. XXXX XXXX XXXX ), which governs the accuracy and fairness of credit reporting. Below are the specific violations : Violation of 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) Data furnishers are required to report only accurate information. Since these accounts are inaccurately placed on my credit report, you are in violation of this law. 

Violation of 15 U.S.C. XXXX ( b ) Upon receiving a dispute from a consumer, data furnishers must conduct a proper investigation. Given that you continue to report inaccurate information, it is evident that no such investigation has been conducted or has been done negligently. 

Violation of 15 U.S.C. XXXXi ( a ) ( XXXX ) ( A ) Credit reporting agencies must delete disputed information if it can not be verified within the prescribed timeframe. Since the accuracy of these accounts can not be verified, they must be permanently removed. 

Violation of 15 U.S.C. XXXX and XXXX Any willful or negligent failure to comply with the FCRA makes your organization liable for damages, legal fees, and statutory penalties. 

Demand for Immediate Action : I demand that you delete these accounts from my consumer report immediately and provide me with written confirmation of this deletion within XXXX  days of receiving this letter. Failure to comply will result in legal action, including but not limited to, a lawsuit for willful noncompliance with the FCRA, where I will seek damages, attorney fees, and injunctive relief. 

Additionally, be advised that any continued inaccurate reporting or failure to act promptly will be documented and submitted as evidence to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

I expect swift resolution of this matter and trust that you will act in accordance with federal law. You are not authorized to reinsert these accounts after their deletion under 15 U.S.C. XXXXi ( a ) ( XXXX ) ( B ), unless you notify me in writing with proof of verification. 

This letter serves as formal notice under the FCRA and any failure to comply will result in immediate legal recourse

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXXXXXX Plaza Services , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Account Number : XXXX Dear Plaza Services , LLC XXXX, I am writing to formally dispute the inaccurate reporting of an account on my credit report associated with XXXX XXXX XXXX. This account was previously removed from my credit report in 2022 due to financial hardship caused by XXXX. Given that this debt was already deleted, it should not have been reinserted or reported again, as doing so without proper notification violates the Fair Credit Reporting Act ( FCRA ). 
Under the Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXXi ( a ) ( XXXX ) ( B ) ), a debt that has been removed from my credit report can not be reinserted unless the creditor provides proper certification that the information is accurate. Additionally, the credit bureaus are required to notify me within XXXX business days if a deleted item is reinserted, which I did not receive. 
Therefore, this reporting is unlawful and should be removed immediately. 
Furthermore, per the Coronavirus Aid, Relief, and Economic Security ( XXXX ) Act, many consumers impacted by XXXX were granted financial accommodations, and accounts affected by financial hardship should have been reported in accordance with these provisions. 
Given that my hardship was due to XXXX, this account should not have been re-reported. 
I formally request that this account be deleted from my credit report immediately. Please provide me with written confirmation once this correction has been made. If Plaza Services , LLC can not verify the legitimacy of this debts reappearance with proper documentation, you must cease all reporting of this account to credit bureaus per FCRA guidelines. 
Failure to comply with this request will result in me filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 
Please respond to this request in writing within XXXX days, as required by law. I expect Plaza Services , LLC to uphold its legal obligations and remove this account from my credit file immediately. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I am writing to file a complaint regarding the debt collection practices of BullCity Financial Solutions. I have encountered several issues related to this debt, including improper reporting to credit bureaus, failure to respond to my debt validation request, and invalid contact information. These actions violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Details of the Complaint : Disputed Debt Reported to XXXX : BullCity Financial Solutions reported a debt of {$840.00} on my credit report through XXXX. However, I had never received any prior notice of this debt before it appeared on my credit report. On XX/XX/XXXX, I disputed the debt with XXXX, and as a result, the account was deleted from my credit report. 

Same Debt Reported on XXXX : A few days after the debt was deleted from my XXXX report, the same debt reappeared on my XXXX credit report around XX/XX/XXXX. I disputed this debt with XXXX on XX/XX/XXXX, and the dispute is currently pending. However, I have not received any validation or notice from BullCity Financial Solutions in response to my dispute.

Debt Validation Request Returned : I sent a debt validation request to BullCity Financial Solutions via certified mail to the addresses listed on my credit reports from both XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX. Unfortunately, both of these letters were returned to me due to invalid addresses. The addresses listed on my credit reports are as follows : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX This failure to provide a valid address for communication constitutes a violation of my rights under the FDCPA and the FCRA, as I have not received the required notice or debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am reaching out XXXX again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

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 2025-03-25 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XXXX, 2025, XXXX Credit Bureau reported a mortgage as over XXXX days late when the mortgage had been paid in full and closed XXXX year prior. 

This dropped by credit score by XXXX points, costing me a new home! 

They showed no empathy or concern in escalating the correction, stating, " it takes years to build good credit, but only seconds to destroy it. ''

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 2025-03-25 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: FL

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARVANT FINANCIAL LLC
State: FL

Complaint narrative:
I hope this letter finds you well. I am writing to formally request a Form 1099-C, Cancellation of Debt, in connection with an account under my name that was charged off by your institution and subsequently reported as such on my credit report. As outlined in IRS regulations under Section 6050P of the Internal Revenue Code, creditors are required to issue a Form 1099-C when a debt of { {$600.00} } or more has been canceled or discharged. It is my understanding that since the charged-off debt has been written off by your institution, it constitutes a cancellation of debt, and I should have been provided with the appropriate tax documentation in accordance with the law. Failure to provide a 1099-C form for canceled debts could be considered a violation of the IRS reporting requirements, which obligates creditors to report forgiven or discharged debts in excess of { {$600.00} }. It is essential for me to have this form to accurately report the canceled debt on my tax returns, and I would like to resolve this matter in a timely manner to ensure compliance with all relevant regulations. Please send the 1099-C form at your earliest convenience, either to my physical address or via email at XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX email : XXXX Should you require any additional information or documentation from my end, I am more than willing to cooperate to expedite the process. Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: FL

Complaint narrative:
Step XXXX : Send a Strong Dispute Letter to the Credit Bureaus Send this via certified mail with return receipt to force a response within 30 days. 

[ XXXX XXXX ] [ XXXX XXXX ] [ XXXX FL ] [ XXXX ] [ XXXX ] [ XXXX ] [ experian ] [ P.O XXXX XXXX, TX XXXX ] Subject : DEMAND FOR IMMEDIATE REMOVAL FRAUDULENT COLLECTION ACCOUNT To Whom It May Concern, I am formally disputing a fraudulent collection account that has been placed on my credit report without my consent. This account is in violation of federal consumer protection laws, and I demand its immediate removal.

Account Details : Collection Agency : Aargon Agency Inc. 
Amount : {$1200.00} Original Creditor : XXXX XXXX ( XXXX ) Date Opened : XX/XX/year> This debt is not mine, and under the Fair Credit Reporting Act ( FCRA ) 604, the furnisher must have permissible purpose to report any debt on my credit report. Since this debt is fraudulent and unauthorized, it must be removed immediately.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 809, I am requesting : 1. Full validation of the debt, including a signed contract proving I authorized this account.

2. Proof that XXXX XXXX XXXX has legal authority to collect this alleged debt. 
3. Immediate deletion of this entry if validation can not be provided.

I am also filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). If this fraudulent account is not removed within 30 days, I will pursue legal action for : Willful violation of the FCRA and FDCPA Defamation of character through false credit reporting Emotional and financial damages Attached are the following supporting documents : A copy of my government-issued ID A copy of a recent utility bill or bank statement to verify my identity A copy of my credit report with the fraudulent account highlighted I demand written confirmation that this fraudulent account has been deleted within 30 days. If not, I will take further action, including legal proceedings. 

This is my final notice before escalation. 

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 2025-03-25 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: Aargon Agency, Inc.
State: FL

Complaint narrative:
Step XXXX : Send a Strong Dispute Letter to the Credit Bureaus Send this via certified mail with return receipt to force a response within 30 days. 

[ 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 Subject : DEMAND FOR IMMEDIATE REMOVAL FRAUDULENT COLLECTION ACCOUNT To Whom It May Concern, I am formally disputing a fraudulent collection account that has been placed on my credit report without my consent. This account is in violation of federal consumer protection laws, and I demand its immediate removal.

Account Details : Collection Agency : XXXX XXXX XXXX. 
Amount : {$1200.00} Original Creditor : XXXX XXXX ( XXXX ) Date Opened : XX/XX/year> This debt is not mine, and under the Fair Credit Reporting Act ( FCRA ) 604, the furnisher must have permissible purpose to report any debt on my credit report. Since this debt is fraudulent and unauthorized, it must be removed immediately.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 809, I am requesting : 1. Full validation of the debt, including a signed contract proving I authorized this account.

2. Proof that XXXX XXXX XXXX has legal authority to collect this alleged debt. 
3. Immediate deletion of this entry if validation can not be provided.

I am also filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). If this fraudulent account is not removed within 30 days, I will pursue legal action for : Willful violation of the FCRA and FDCPA Defamation of character through false credit reporting Emotional and financial damages Attached are the following supporting documents : A copy of my government-issued ID A copy of a recent utility bill or bank statement to verify my identity A copy of my credit report with the fraudulent account highlighted I demand written confirmation that this fraudulent account has been deleted within 30 days. If not, I will take further action, including legal proceedings. 

This is my final notice before escalation. 

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 2025-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I opened an account with navy federal credit union. I was referred by my brother who served. I was approved over the phone for an account. After 5 days, my account was closed and navy doesnt want to tell me why. I think its unfair. I try to prove my identity and I still get the short end of the stick. I think thats really unfair!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: LA

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 explanation
Consumer complaint received 2025-03-25 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XX/XX/XXXX Subject : Urgent Dispute of Unauthorized Inquiries on My Credit Report To Whom It May Concern, I am writing to formally dispute unauthorized inquiries that have appeared on my credit report. I recently reviewed my credit file and found inquiries that I did not authorize. These inquiries are damaging my credit score and were made without my consent. 

The unauthorized inquiries are as follows : XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), companies are required to have my explicit permission before making inquiries on my credit report. Since I did not authorize these inquiries, I demand their immediate removal. 

Attached to this letter, you will find a copy of my FTC complaint regarding these unauthorized inquiries, as well as a copy of my identification and a copy of my credit report with the disputed inquiries highlighted. 

I expect these inquiries to be removed promptly, and I request written confirmation once the corrections have been made. If these unauthorized inquiries are not removed, I am prepared to take further legal action to protect my rights under the FCRA. 

Please investigate this matter and provide a resolution at the earliest. I appreciate your prompt attention to this urgent issue. 

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