vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Good afternoon, I had a credit card with TD Bank and for the past few months Ive not been able to make payments as I should because Ive lost hours at work, Ive contacted them and asked for a payment plan which was not given to me because they said that is something that they dont offer but they could offer me to pay off the card with a onetime payment which at the time was {$270.00}, I was unable to make that payment. About four weeks ago I used my cash back rewards in the form of statement credit towards the credit card and instead of that happening, TD Bank closed my account, I didnt received any statement credit and Ive been making payments on the account even upon till XXXX, when I called TD Bank they told me that the account is closed and there is no information that they can provide. The account amount was I believe {$460.00} and my cash back amount was {$1000.00}. TD closed my account and put a remark on my credit report stating profit loss and account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$9400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$520.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1800.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$580.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$8200.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$11000.00} XXXX XXXX AND XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXXXXXX 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 2025-05-07 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: IL

Complaint narrative:
The presence of this late payment on my account is concerning, as I have consistently paid on time. This inaccuracy is causing undue frustration, and I urge you to correct it by removing the erroneous mark as soon as possible.

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 2025-05-07 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: VA

Complaint narrative:
According to the Fair Credit Reporting Act, the following accounts below has been deemed as a profit and loss and has been reported to the IRS. These accounts can not be updated as delinquency this is also a violation of code 15 USC 1681 S-2 and 15 USC 1681 E ( B ) laws The accounts are Account : XXXX Account Number : XXXX Account : 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 explanation
Consumer complaint received 2025-05-07 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: OH

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this formal complaint against one or more consumer reporting agencies for their ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically Sections 605 ( a ), 605 ( b ), and 611. Despite submitting formal disputes, my credit report continues to reflect inaccurate, unverifiable, and obsolete information, which constitutes a clear violation of federal law. 

The following accounts remain unlawfully reported : XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX ( duplicate reporting ) XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX These accounts has Exceed the legal reporting limit under FCRA 605 ( a ) and 605 ( b ), Contain inaccurate or duplicate information, or Have not been verified after multiple dispute attempts. 

Under FCRA Section 611, the reporting agencies are obligated to conduct a reasonable reinvestigation within 30 days and remove any unverifiable or inaccurate items. They have failed to meet this obligation. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and enforce immediate, permanent deletion of these accounts. I am also requesting written confirmation that these violations have been addressed and that my rights as a consumer under federal law have been restored. 

Thank you for your time and attention to this urgent 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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NRA Group, LLC
State: ND

Complaint narrative:
I call National recovery agency directly after being advised by XXXX representative to called them directly So I called they said the account has been closed since XX/XX/XXXX and to reach out back to XXXX  on the date of XX/XX/XXXX for the amount of XXXX I called XXXX back and every time I spoke with a specialist and give them my full name as soon as I say this call is regarding the collection company National recovery agency I get disconnected I try calling back and the automated system doesnt let me talk to anyone I feel Im getting token advantage of and need that account deleted immediately for failing to validate ownership of an account and XXXX need to be investigated as well

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 2025-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
VIOLATION OF 15 USC 1692d- harassment and oppression preventing me from obtaining educational funding to attend school. An alleged loan seems to be in default, however, my taxes have been offset twice, the loan as been transferred multiple times to various servicers. In addition, the alleged loan appears to be over 25 years old and there is a question in regards if the information is even accurate at this time and who has the original Promissory Note that has " STANDING '' to bring a claim. 

I submitted the previous complaint against the contracted 3rd party servicer Debt Management and Collections Services, however, a completely different contracted 3rd party servicer responded XXXX  stating they had the authority to have my private information and that they have not violated my privacy and did nothing to resolve my issue as stated to bring the alleged account out of default. Furthermore they included a phone number of XXXX which only had me to wait on hold and then hung disconnected. 

I found another number to contact this company and was told they had no information on me and that my alleged account was being handled by another servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: VA

Complaint narrative:
According to the Fair Credit Reporting Act all my personal information must be correct on my credit report. There are addresses that does not belong to me, my current and only address is XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
According to the Fair Credit Reporting Act all my personal information must be correct on my credit report. There are addresses that does not belong to me, my current and only address is 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 explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
The debt collector, Tsi, calls daily. Today ( XX/XX/year> ), they used a spoofed XXXX  for a bank that I have a credit card with rather than one of their XXXX  s.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: WI

Complaint narrative:
Im reaching out because there are accounts listed on my credit report that are completely inaccurateand I want them removed immediately. Let me be clear : I did not open these accounts, nor did I authorize anyone to open them on my behalf. They are not mine, and they should not be there. This is a serious issue, and Im treating it as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: WI

Complaint narrative:
Im reaching out because there are accounts listed on my credit report that are completely inaccurateand I want them removed immediately. Let me be clear : I did not open these accounts, nor did I authorize anyone to open them on my behalf. They are not mine, and they should not be there. This is a serious issue, and Im treating it as such.

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 2025-05-07 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: GA

Complaint narrative:
I am writing to formally request the deletion of two accounts currently listed on my credit report : XXXX XXXX and XXXX. These accounts are inaccurate and unverifiable. 

As of XXXX XXXX XXXX, I have confirmed that XXXX, a nationwide consumer reporting agency, is not reporting either of these accounts. Their absence from my XXXX credit file indicates that the accounts are unverifiable or otherwise fail to meet the legal standards for reporting. 

Under Section 611 of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), consumer reporting agencies must delete any item of information that can not be verified within 30 days of a consumer 's dispute. Given that XXXX does not report these accounts, I am requesting that you conduct a reinvestigation. If you are unable to provide verifiable documentation from the original creditors, you are required to remove these accounts from my credit file. 

Continued reporting of unverifiable information constitutes a violation of federal law and causes unjust harm to my credit profile. Should these accounts remain after 30 days without proper verification, I reserve the right to pursue all legal remedies under Sections 616 and 617 of the FCRA ( 15 U.S. Code 1681n and 1681o ), including statutory damages, punitive damages, attorneys fees, and court costs. 

Please provide written confirmation of the reinvestigation results and send me an updated copy of my credit report reflecting any changes. 

Thank you for your prompt attention to this matter. I trust you will comply with the law and remove the unverifiable information accordingly.

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 2025-05-07 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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:
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 explanation
Consumer complaint received 2025-05-07 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:
I am writing to dispute a potentially inaccurate or unverified item listed on my TransUnion credit report. In light of the TransUnion data breach and in accordance with the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Fair Debt Collection Practices Act ( 15 U.S. Code 1692e ), I request an immediate reinvestigation of the following account : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$710.00} I am concerned this account may be inaccurate, outdated, or reported in error. Given the history of compromised data due to TransUnion 's past security breach, I ask that extra care be taken to validate the legitimacy and accuracy of this entry.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/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 2025-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: NY

Complaint narrative:
I am writing this complaint due to my overwhelming frustration with my Mortgage service Selene XXXX  ever since they became my mortgage service it has been an absolute nightmare they do not operate as a professional company should. They claim I am behind six months Including may I have strong reason to believe they are not applying my payments correctly to force a foreclosure which is the point I am now. I have submitted a request for mortgage assistance to get a modification, so I dont lose my home during the whole process numerous times I never once received any form of communication from them during the process updating me on the status I always have to be the one phone calling and sending /resending documents over and over. It shows on my account that I was assigned a loan modification specialist who I have never ever heard from that is very unprofessional. They also Increased my mortgage payment due to a shortage in Escrow however they gave me only a months notice knowing I feverishly applying for loss modification to get an affordable payment There goal from the beginning seemed to get this point I have receipts of payment from months ago they still have not applied I am nervous and scared they are trying to foreclose on my home even through this ordeal I have been making mortgage payments however they are unwilling to work towards a resolution I have been paying and willing to pay hence why I applied for assistance multiple times but they have done nothing now i'm getting harassing phone calls, threatening notices, knocks on my door multiple times a day and etc its very uncomfortable

Company response to consumer: Closed with explanation