vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: MD

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

I looked into all 3 credit reports on Tuesday, XX/XX/year> and noticed some things are incomplete and not accurate. 
15 U.S.C 1681 section 602A. 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 an account without my written instructions.

15 U.S.C 1681 c. ( 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 2025-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-28 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: TX

Complaint narrative:
Dear CFPB, I am filing this complaint against XXXX XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other consumer protection laws regarding an alleged collection account reported on my credit file. 

Details of the Account : Creditor/Collector : XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX Reported Balance : {$2300.00} Date Last Reported : XX/XX/year> Nature of the Complaint XXXX XXXX XXXX XXXX is reporting a collection account that is inaccurate, unverified, and incomplete. Despite my attempts to have the account validated and corrected, the company continues to furnish this information to the credit reporting agencies, causing ongoing damage to my creditworthiness.

Their actions violate the following federal protections : Fair Credit Reporting Act ( 15 U.S.C. 1681i & 1681s-2 ) Furnishers of information are required to ensure maximum possible accuracy. 
When a consumer disputes an account, the furnisher must conduct a reasonable investigation. 
XXXX XXXX has failed to provide validation or proof of the debt and continues to report unverifiable information. 

Fair Debt Collection Practices Act ( 15 U.S.C. 1692c & 1692g ) Debt collectors must cease collection efforts and provide validation upon request. 
XXXX XXXX has not produced the original contract, chain of custody of debt ownership, or any legal documentation validating the debt. 

Universal Commercial Code ( UCC 3-501, 3-503, 9-210 ) Under commercial law, presentment of the original signed contract is required to prove an obligation. XXXX XXXX has failed to provide such documentation. 

Consumer Harm This account is negatively impacting my credit score and financial opportunities.

By continuing to report without verification, XXXX XXXX XXXX XXXX is willfully violating federal law and my consumer rights. 

Requested Resolution I respectfully request that the CFPB investigate XXXX XXXX XXXX XXXX and compel them to : Immediately remove the disputed account XXXX XXXX XXXX XXXXXXXX XXXX XXXX from my TransUnion Credit Report. 

Provide full validation of the alleged debt, including the original signed agreement, payment history, and proof of assignment. 

Cease all collection activities until proper validation is provided. 
Ensure compliance with the FCRA, FDCPA, and other applicable laws. 

Conclusion XXXX XXXX XXXX XXXX is engaging in unlawful reporting and collection practices. I am requesting the CFPBs assistance in holding them accountable and ensuring this inaccurate account is removed from my credit report. 

Thank you for your time and for protecting consumers from unfair practices. 

Sincerely, 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 2025-08-28 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Goldman Sachs Bank USA ( Apple Card ) is furnishing inaccurate information on my credit reports and engaging in re-aging practices in violation of the Fair Credit Reporting Act ( FCRA 605 and 623 ).

After I filed disputes with the credit bureaus, Goldman Sachs retaliated by reporting the account in a punitive way, updating the tradeline as if it were recent. This constitutes re-aging and unfair treatment for exercising my legal right to dispute.

This unlawful reporting has extended the negative impact of this account on my credit history, damaged my credit score, and caused financial harm.

I request that Goldman Sachs immediately correct this reporting, remove any re-aged data, and that the CFPB take action to ensure compliance with the FCRA and protect my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I am writing to file a complaint against TD Bank, N.A. regarding the repeated overdraft fees that have been charged to my account, despite my documented financial hardship and my efforts to resolve the matter directly with the bank.

My husband recently lost his job, leaving me as the sole provider for our household. While I continue to bring in income, we have struggled to keep up with major expenses such as mortgage and utilities. These challenges have caused occasional overdrafts, which have been met with punitive fees rather than reasonable accommodation from TD Bank. 

For example, my XX/XX/XXXX XX/XX/2025 statement shows : Total overdraft fees : {$630.00} Year-to-date overdraft fees at that point : {$1200.00} My XX/XX/XXXX XX/XX/2025 statement then shows : Total overdraft fees : {$490.00} Year-to-date overdraft fees : {$1700.00} In just two months, I was charged {$1100.00} in overdraft penalties alone. To date this year, TD Bank has taken {$1700.00} in fees from my account. While a small portion was refunded under their grace period policy earlier in the year, the bank has refused to offer any meaningful courtesy refunds in light of my situation.

These fees are not only excessive but exploitative, as they compound financial hardship instead of offering relief. Even when funds have come in through payroll, XXXX, and XXXX transfers, the repeated fees consume what stability I am trying to build.

I respectfully request that TD Bank be required to review my account, acknowledge the hardship circumstances, and refund the overdraft fees charged in 2025. At a minimum, I believe that {$1700.00} in overdraft penalties is unreasonable and should be corrected.

Thank you for your attention to this matter and for holding TD Bank accountable to fair and ethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
This letter serves as a second formal dispute under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S. Code 1681i ) regarding late payment information currently reported on my credit file. I previously disputed these accounts, but the reporting was not corrected or properly verified.

I am now demanding a reinvestigation of the following tradelines, which I believe are being reported inaccurately, and request their immediate correction or deletion if proper verification can not be provided XXXX XXXX XXXX XXXX XXXXXXXX {$17000.00} Open date : XX/XX/XXXX Last activity : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$17000.00} Open date : XX/XX/XXXX Last activity : XX/XX/XXXXXXXX XXXX XXXX {$9600.00} Open date : XX/XX/XXXX Last activity : 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 2025-08-28 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:
This letter serves as a second formal dispute under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S. Code 1681i ) regarding late payment information currently reported on my credit file. I previously disputed these accounts, but the reporting was not corrected or properly verified.

I am now demanding a reinvestigation of the following tradelines, which I believe are being reported inaccurately, and request their immediate correction or deletion if proper verification can not be provided XXXX XXXX XXXX XXXX XXXXXXXX {$17000.00} Open date : XX/XX/XXXX Last activity : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$17000.00} Open date : XX/XX/XXXX Last activity : XX/XX/XXXXXXXX XXXX XXXX {$9600.00} Open date : XX/XX/XXXX Last activity : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
I am writing to formally dispute the debt referenced above, which you are attempting to collect. This letter serves as a formal notice under 1006.34 of Regulation F and 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), exercising my right to dispute the validity of this debt. Please consider this a request for verification of the debt under the statutes. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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:
I am writing to formally dispute the debt referenced above, which you are attempting to collect. This letter serves as a formal notice under 1006.34 of Regulation F and 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), exercising my right to dispute the validity of this debt. Please consider this a request for verification of the debt under the statutes. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting a dispute regarding a fraudulent account reported under my credit history. I never authorized or opened this account, and it is entirely false. Its reporting misrepresents my financial record and is harmful to my credit standing.

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 2025-08-28 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: GA

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 
Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with 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 non-monetary relief
Consumer complaint received 2025-08-28 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: SC

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 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I purchased seats at the airport kiosk for a flight I had from XXXXXXXX XXXX XXXXXXXX with XXXX XXXX for {$120.00} but instead I was taken out {$1000.00} I called WF but they didnt want to help.

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 2025-08-28 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: GA

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

1681c2 ) that you, the Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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 : INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8400.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} 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, 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