vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-09-16 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: CA

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$5400.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 explanation
Consumer complaint received 2025-09-16 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: AZ

Complaint narrative:
there are fraudulent accounts and personal information reporting on my credit report that do not belong to me. Equifax and Experian refuses to remove it off of my credit report. I have submitted all documentation to them. Under 605b the account should be removed within 4 business days of receiving the documents i provided due to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently found that there are several unauthorized and fraudulent on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and W2.

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 2025-09-16 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: TX

Complaint narrative:
CFPB Complaint Letter XXXX XXXX Consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TX XXXX XXXX in Dispute : Equifax ( only ) Creditor/Furnisher in Dispute : XXXX XXXX Account in Dispute : Auto Loan Opened XX/XX/XXXX, Closed XX/XX/XXXX, reporting as Charge-off What Happened I am filing this complaint because Equifax continues to report a derogatory XXXX XXXX account that has already been deleted by XXXX and XXXX 

Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Balance : {$0.00} Status : Charge-off ( Equifax only ) This account has been on file for nearly 8 years, well beyond the 7-year reporting limit for derogatory accounts under the Fair Credit Reporting Act ( FCRA ). 

The fact that XXXX XXXX XXXX have already removed this account automatically proves it is obsolete. Equifaxs continued reporting is inconsistent, inaccurate, and a violation of the FCRA.

Violations of Law FCRA 605 ( a ) ( 4 ) [ 15 U.S.C. 1681c ( a ) ( 4 ) ] Obsolescence Rule Derogatory accounts may not be reported more than 7 years from the Date of First Delinquency ( DOFD ).

Equifaxs reporting beyond 7 years constitutes unlawful re-aging.

FCRA 623 ( a ) ( 5 ) ( A ) [ 15 U.S.C. 1681s-2 ] Furnisher Duty to Report DOFD XXXX XXXX failed to provide an accurate DOFD, preventing correct calculation of the 7-year reporting period.

FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] Maximum Possible Accuracy Equifax is required to ensure maximum possible accuracy. 

Reporting this account while the other bureaus have deleted it is inconsistent and inaccurate. 

FCRA 6

11 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ] Duty to Reinvestigate If previously disputed, Equifax must conduct a reasonable reinvestigation. By continuing to verify without DOFD documentation, Equifax has failed in this duty. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) [ 15 U.S.C. 1681i ( a ) ( 6 ) ( B
) ( iii ) ] Method of Verification After reinvestigation, Equifax must provide the method of verification. This was not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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:
This complaint is not submitted in error. My credit report contains multiple inaccuracies that I can not verify and that are actively harming my credit standing and personal well-being. These errors have lowered my credit score and are impeding my ability to achieve financial stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
TRANSWORLD SYSTEMS INC AND XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research TRANSWORLD SYSTEMS INC AND XXXX XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: NJ

Complaint narrative:
I am submitting this complaint because Experian is still reporting a late payment on my XXXX XXXX account for XX/XX/year> that is completely inaccurate. I have never been late on this account at any time. Reporting a late payment when the account has always been paid on time is false, misleading, and harmful. This is a clear violation of my rights under the Fair Credit Reporting Act and fails to meet the requirement of maximum possible accuracy under 15 U.S.C. 1681e ( b ). Because of this mistake, my credit profile is being unfairly damaged, my creditworthiness is questioned, and I am being blocked from opportunities I should not be denied.

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 2025-09-16 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:
I am a victim of identity theft. My personal information, including my name and Social Security number, has been used without my authorization to open fraudulent accounts and make unauthorized inquiries. I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ), reference number XXXX. The fraudulent activities began in XX/XX/XXXX, and I first discovered them in XX/XX/XXXX. 

The following fraudulent accounts and unauthorized inquiries are appearing on my TransUnion credit report : XXXX Accounts : XXXX XXXX Account number XXXX. 
XXXX XXXX XXXX : Account number XXXX, opened XX/XX/XXXX. 
XXXX XXXX XXXX : Account number XXXX, opened XX/XX/XXXX. 

Unauthorized Inquiries : XXXX XXXX : Inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX : Inquiries on XX/XX/XXXX and XX/XX/XXXX. 
XXXX : Inquiry on XX/XX/XXXX. 
XXXX : Inquiries on XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX : Inquiry on XX/XX/XXXX. 

I have also attached a signed affidavit and a copy of the FTC Identity Theft Report to my credit bureau complaint letters. I am a resident of the state of Florida and am a victim of identity theft. The events described in my affidavit occurred in XXXX, FL. I did not authorize anyone to use my name or personal information to seek credit, and I did not receive any benefit from these accounts.

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 2025-09-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
Source Receivables Manag Original lender : XXXX Account type : Not Reported Age of Account : 8 Months Date Reported : XX/XX/2025 Highest Balance : {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXXXXXX XXXX XXXXXXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: VA

Complaint narrative:
Sent email and letter to agencies at least 3 times. Sent final letter which is attached.

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 2025-09-16 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My bank said that I participated but I never did Incident:XXXX 1. Why do you believe your claim should be honored? 
I did not authorize these transactions and have no knowledge of the merchants. XXXX XXXX company informed me they would issue a refund once authorization from the hotel was obtained. I attempted to contact the hotel myself, but they informed me they could not speak with me because my card and name were not on the reservation. TXXXX XXXX company had to contact the hotel on my behalf, and the hotel confirmed that the reservation was canceled. Additionally, I never made a purchase at the XXXX in XXXX XXXX. My previous purchases were from my XXXX XXXX Navy Federal card in XXXX which shows my card was in use elsewhere at the time 2. Was the card in your possession when the fraud occurred, or was it lost or stolen? 

I did not have my card. All legitimate transactions were made via my XXXX XXXX Navy Federal card.

3. If the card has remained in your possession, how do you believe your card information was obtained?

I believe my card information may have been compromised through a skimmer or fake keypad capturing my card data and PIN 4. If lost or stolen, what date did the card fall out of your possession?

I do not recall the exact date 5. If you have ever allowed anyone to use your card, how do you know this person ( s )?

I have never allowed anyone else to use my card 6. If you received any merchandise from the merchant, is this merchandise still in your possession?

I did not receive any merchandise from these merchants 7. Did you authorize or participate in the charge ( s ), but there was an error? 

No, I did not authorize or participate in these charges I'm unable to get in contact with the hotel this is what super sent me. 

Corrected charges for review 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  Total disputed amount : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: Absolute Resolutions Corp.
State: TX

Complaint narrative:
To Whom It May Concern, I am contacting you regarding the above-referenced account. It has been reported on my credit file as a charge-off with a balance owed, while at the same time a third-party debt collector, Absolute Resolution LLC, is also reporting a balance on the same account.

Under the Fair Credit Reporting Act ( FCRA ), 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting information they know, or reasonably should know, is inaccurate. Once an account is sold, transferred, or assigned, the original creditor must report a {$0.00} balance and indicate the account has been sold/closed. 

At present, both XXXX and Absolute Resolution LLC are reporting active balances. This is misleading, inaccurate, and harmful to my credit standing. 

I hereby demand that XXXX immediately : Correct its tradeline to show a {$0.00} balance with the notation sold/charged off/transferred, or Delete the tradeline entirely if you can not verify its accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

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.

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 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
In retaliation for my online XXXX negative review caused by TD telling me they sent my SSN/DOB , etc. to the wrong email address when I opened a CD ( the rep kept repeating the wrong address, adding an extra m ), I received a letter from TD stating that they were giving me 15 days notice that they were closing my checking account even though my review posted online three days earlier said I'd be closing it and moving to XXXX. However, the letter was sent on XX/XX/XXXX which is after it is dated. Therefore, I did not receive the notice they claimed and filed a complaint with CFPB on XX/XX/XXXX about that and about being unable to close my CD. The subject of the letter from TD was my checking account and the letter stated that account alone would be closed XXXX which did not afford the 15 day notice claimed. In the meantime, I closed my savings account but was told I could not close my CD without incurring a large penalty even though I had just opened it the prior day. 
XXXX XXXX from TD responded to my complaint in a letter dated XX/XX/XXXX which, like the last one, was sent after it was dated. It was not received by me until XX/XX/XXXX. In it he said my accounts ( plural ) would be closed out on XX/XX/XXXX and I would not be charged an early closeout penalty on the XXXX. Since the letter was received after the XXXX deadline, it was too late as I had already closed both the checking account and CD which included interest and no penalty despite my being told on XX/XX/XXXX that TD would not allow that. 
Today I received an email from my landlord that the attached check dated XXXX was mailed to them by TD and bounced thus incurring a {$35.00} fee for me. TD sent the check despite closing the account last month, knowing full well that this would cost me a fee. I request that the Board demand that TD Bank cease sending checks from my closed account immediately and reimburse me the bounced check fee. I dont believe that this type of continued harassment after my account closure, and after the gaslighting I experienced at the branch and in their response to my complaint which included absurd allegations, would be happening if I werent a XXXX, XXXX senior who wrote a critical online review of the branch after their rep told me they sent my personal info to the wrong email address. This is just continued retaliation and it needs to stop.

Company response to consumer: Closed with monetary relief