vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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: AZ

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX for a debt originally owed to XXXX. The last bill from XXXX was in XX/XX/XXXX, but XXXX XXXX is reporting the account as opened on XX/XX/XXXX. This inaccurately re-ages the debt and misrepresents how old the delinquency actually is. 

This violates the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 5 ) ), which requires that the original Date of First Delinquency ( DOFD ) be reportednot the date the collector received or began reporting the account.

It also violates Metro 2 credit reporting guidelines, which are the industry standards for how account data must be accurately furnished and transmitted to credit bureaus.

In addition, this conduct may also violate the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ), which bars collectors from continuing to report a debt without proper validation if it is disputed.

Lastly, this re-aging may also be considered a deceptive practice under the Arizona Consumer Fraud Act ( A.R.S. 44-1522 ), which prohibits misleading or false business practices in the state of Arizona. 

I request a full reinvestigation. If XXXX XXXX can not correct the DOFD or validate the reporting, the tradeline must be removed from my credit report under both federal and state 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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX for a debt originally owed to XXXX. The last bill from XXXX was in XX/XX/XXXX, but XXXX XXXX is reporting the account as opened on XX/XX/XXXX. This inaccurately re-ages the debt and misrepresents how old the delinquency actually is. 

This violates the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 5 ) ), which requires that the original Date of First Delinquency ( DOFD ) be reportednot the date the collector received or began reporting the account.

It also violates Metro 2 credit reporting guidelines, which are the industry standards for how account data must be accurately furnished and transmitted to credit bureaus.

In addition, this conduct may also violate the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ), which bars collectors from continuing to report a debt without proper validation if it is disputed.

Lastly, this re-aging may also be considered a deceptive practice under the Arizona Consumer Fraud Act ( A.R.S. 44-1522 ), which prohibits misleading or false business practices in the state of Arizona. 

I request a full reinvestigation. If XXXX XXXX can not correct the DOFD or validate the reporting, the tradeline must be removed from my credit report under both federal and state 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 explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Subject : Escalated Complaint Against TD Bank for Negligent Handling of Check Fraud To whom it may concern, I am escalating this complaint regarding TD Banks grossly negligent handling of a clear case of check fraud on my business account ending in XXXX. Despite multiple formal complaints, substantial supporting documentation, and even partial recovery of funds, TD Bank continues to deny full responsibility for a fraud that was entirely preventable. 

TD Bank allowed dozens of fraudulent checks to be cashed using the same check numbers I had issued and used in previous years. These duplicates were processed without any red flags, despite the fact that identical check numbers were clearly visible in previous account statements. This indicates a fundamental failure in the banks fraud detection system, internal controls, and compliance protocols. 

Even worse, their recent response claims that the issue was due to the account not being enrolled in " positive pay. '' This argument is unacceptable. Customers should not be required to opt into additional services to expect basic protection against duplicate check numbers being cashed years apart. The burden of fraud prevention lies with the banknot the customer. 

I pay {$10.00} per month for this business account. If I entrust my money to a bank, it is under the assumption that it will be protectednot left exposed to negligent review of suspicious transactions. TD Bank failed in its most basic duty to safeguard client assets. 

To date, only {$1000.00} has been recovered. The remaining balance of the fraudulent withdrawals is still outstanding, and TD Bank has now closed the case without justification. This conduct is not only irresponsible but may constitute a breach of fiduciary duty and willful negligence. 

This will be the final complaint I submit through public channels. The next step will be to retain legal counsel and escalate this to courta process that will cost both TD Bank and myself time and money. But I will not rest until every dollar is reimbursed and the financial harm caused to my companyand to me personallyis compensated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: CA

Complaint narrative:
I am writing to formally dispute the reinsertion of the following accounts on my Experian credit report : Account Name : XXXX XXXX Account Number ( Partial ) : XXXX Account Type : Charge Card Responsibility : Individual Date Opened : XX/XX/XXXX Account Name : XXXX Account XXXX ( Partial ) : XXXX Account Type : Charge Card Responsibility : Individual Date Opened : XX/XX/XXXX These accounts were previously disputed and removed from my credit report. However, they have since been reinserted without proper notice or investigation, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Furthermore, the Consumer Financial Protection Bureau ( CFPB ) recently sued Experian for engaging in the unlawful practice of re-adding negative information to consumers ' credit reports without conducting the legally required investigation or providing notice to the consumer. 

Reference : CFPB v. Experian ( XXXX ) The CFPBs action highlights systemic violations, including failure to notify consumers about reinsertion of disputed information and failure to conduct proper reinvestigations before adding previously deleted items back to credit reports. 

Under FCRA 611 ( a ) ( 5 ) ( B ), if information is deleted from a consumers file as a result of a dispute, a credit reporting agency may not reinsert the information unless the provider of the information certifies that it is complete and accurate. Additionally, the CRA must notify the consumer within 5 business days of the reinsertion. I received no such notice, and I have seen no new evidence that would justify this reinsertion. 

I am demanding the immediate removal of the accounts listed above and that you provide a full explanation of how and why they were reinserted, including the name of the furnisher and the method of certification, if any. 

If these items are not removed within the required timeframe under the FCRA, I will escalate this issue by filing complaints with the CFPB, the FTC, and my State Attorney Generals office. 

Please confirm in writing that these accounts have been removed from my Experian credit report and provide an updated copy of my credit report reflecting this correction. 

Sincerely, XXXX XXXX XXXX ( last 4 digits ) : 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 explanation
Consumer complaint received 2025-05-17 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 List of Unauthorized Inquiries : 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 2025-05-17 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: LA

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. 

Account Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 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 non-monetary relief
Consumer complaint received 2025-05-17 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: MI

Complaint narrative:
I am disputing the completeness and accuracy of the payment history for the accounts listed below. Upon reviewing my credit report, I noticed multiple errors in the payment history that clearly fall under billing errors as defined by 15 USC 1666 ( b ) Billing Error. I do not recall being late on any of these accounts, and I request that the payment history be updated to reflect on-time payments.

The creditor has failed to meet their obligations under : - 15 USC 1666 ( b ) Billing Error : - ( 4 ) The creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

- ( 5 ) A computation error or similar accounting error by the creditor on a statement. Additionally, I was not provided with a statement 21 days prior, as required by law. Therefore, there
should be no late payment recorded on these accounts.

I am requesting documentary evidence showing that I was late in making these payments. If such proof can not be provided, please update these late payments to " Paid on Time. '' 1. Late Payment ( Open ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This notice will also be submitted to the Consumer Financial Protection Bureau ( CFPB )XXXX XXXX XXXX XXXX, and my State Attorney General. 

I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: NC

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 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 2025-05-17 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: NC

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 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 2025-05-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/year> I asked Apple Bank to add a second trust account to my online site that has had my checking and personal revocable trust in place for about 10 years. I have always been able to transfer from my trust to checking to pay my bills. When the bank added the other account they cut off my ability to transfer funds from one place to the other and said whoever set up the account years ago mistakenly gave me the ability to transfer. There was no notice. They told me that if I needed to transfer money I had to come in person to do so. If I was informed of this when opening the account I would have gone somewhere else. It is useless to only have the ability to see my accounts online.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Andrews & Cox, P.C.
State: VA

Complaint narrative:
b'I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX case #XXXX, after noticing my entire bank account had been seized with their names listed as contact reference. I immediately called the listed number on my bank statement. They kept asking for a court file number which I knew nothing about. When they finally located my account, they told me that this was for an old debt they were collecting for their client. I was told that a hearing will take place but the money in my account is gone. Said I could make arrangements on the balance after this hearing on XXXX. \nI knew nothing about this, as I would have made arrangements rather than have this happen. I informed them that I was a XXXX veteran and that money in my account was for an upcoming XXXX and to make sure my bills are paid. Now this has caused a chain reaction of negative issues with my account and my bills being paid. \nI have no documents or anything including communications from this bill collector'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Atlantic Recovery Solutions LLC
State: AZ

Complaint narrative:
XXXX Automated messages stating that there are legal issues and I should to contact them immediately. 

XXXX The individual called XXXX XXXX and that it is imperative to contact her back. 

Also, they have called and left several messages at my place of employment which is a number I have not even given out all this since the beginning of XXXX. They have told my left messages on my boss 's line that it is about a debt. Which I did not think a legit collection company was allowed to do according to the Fair Credit Act.

Plus according to my credit report, I have no outstanding debts. So what are they collecting?

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 2025-05-17 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: NC

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 2025-05-17 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: MI

Complaint narrative:
I am disputing the completeness and accuracy of the payment history for the accounts listed below. Upon reviewing my credit report, I noticed multiple errors in the payment history that clearly fall under billing errors as defined by 15 USC 1666 ( b ) Billing Error. I do not recall being late on any of these accounts, and I request that the payment history be updated to reflect on-time payments.

The creditor has failed to meet their obligations under : - 15 USC 1666 ( b ) Billing Error : - ( 4 ) The creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

- ( 5 ) A computation error or similar accounting error by the creditor on a statement.

Additionally, I was not provided with a statement 21 days prior, as required by law. Therefore, there should be no late payment recorded on these accounts. 

I am requesting documentary evidence showing that I was late in making these payments. If such proof can not be provided, please update these late payments to " Paid on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX This notice will also be submitted to the Consumer Financial Protection Bureau ( CFPB ), Better Business Bureau, and my State Attorney General. 

I look forward to your prompt 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 2025-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The following debts ( s ) MUST be removed as per federal law since each of them related to the Consumer Financial Protection Bureau ( CFPB ), Regulation V, Senate Bill 5480. These account was used to pay medical bills and expenses. 

XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00} XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$8600.00} XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4200.00}

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 explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Last year I was hacked/ scammed they stated the would use their XXXX XXXX  account to pay my cards instally I called Capital One and requested new cards. I received new cards and was paying cards by phone instead of XXXX  like I was previous, only to find out I had fraudulent charges on my card which are still pending correction. I downloaded XXXX  again only to find out this XXXX XXXX  is a payment source on my accounts and my bank account was missing from XXXX. I tried to help Capital One informing them of all this information only to realize they were hacked in XXXX  where my information could have been initially compromised. Only to be told if I didn't receive a letter it " probably wasn't, but couldn't guarantee. " By manager. I address the issue with Manager and he still could not give me a answer on how the XXXX XXXX  was linked to the new cards or why my bank information was missing from the XXXX  that was there. I tried to help Capital One and they have left me vulnerable. I have been fighting this for months now. When I should have really been notified or extra security measures been in place since XXXX. I was never reimbursed for the interest that was paid on fraudulent charges. The past six months have been a nightmare with them. I honestly can't get a straight answer and there is always something I was charge for cash advance purchase and I have never got a cash advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
XXXX XXXX XXXXXXXX its start from XXXX XXXX XXXX which is now XXXX XXXX  XXXX XXXX in result I need it to be erase and removed off my credit history and report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am currently reviewing my Equifax credit report and there is an address reporting on my credit report that is not mine. 
Below is the address that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with non-monetary relief