vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 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:
Hi, I was wonderin if you could assist by removin some things from my file. If u take a look at the report u received, u can see what needs to come out. I was a victim of identity theft, and I didnt make tht purchase. I really want to get that removed so I can repair my credit report. I've already reported the identity theft to the Federal Trade Commission, and I've included photocopies of their Identity Theft Affidavit. Can you please assist with that 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 2025-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against TD Bank due to a distressing and unacceptable customer service experience, as well as a delay in resolving a basic banking issue that impacted my access to funds. 

On XX/XX/year>, I contacted TD Bank customer service regarding an issue with my account and debit card. I was placed on hold for over one hour. When a representative named XXXX answered, he immediately placed me back on hold and never returned to the line. After an extended period, another representative, XXXX, answeredonly to repeat the same behavior. Neither offered any assistance or follow-up, resulting in more than an hour of hold time without resolution. 

Frustrated, I drove to my local branch located at XXXX XXXX and XXXX XXXX, a trip which took approximately an hour. Once there, the platform representative attempted to call the same customer service line and was also placed on hold for an hour. She expressed embarrassment on behalf of the bank, acknowledging how unacceptable the situation was.

Despite my account appearing normal in their system, I was unable to complete a transaction at the ATM. It wasn't until the branch staff attempted an over-the-counter withdrawal that it became clear the issue was with the debit card. Only at that point was a replacement card issued.

In total, I spent more than three hours trying to resolve a simple issue that should have been identified and corrected promptly. The lack of responsiveness from TD Banks customer service, coupled with the inefficient communication between departments, is deeply concerning and reflects poorly on the institution. 

I am requesting that TD Bank : Investigate this matter and take steps to improve customer service response times. 

Provide a formal apology for the inconvenience and time lost. 

Ensure that my account and access to funds are functioning properly and that no further disruptions occur. 

I would also like to be contacted as soon as possible regarding this matter to ensure that my concerns are addressed promptly. 

This experience was frustrating, time-consuming, and completely unacceptable for a major financial institution. I urge the Consumer Financial Protection Bureau to review this complaint and consider appropriate actions if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: NM

Complaint narrative:
I am filing this complaint because XXXX  XXXX XXXX is inaccurately reporting a 30-day late payment for XX/XX/scrub> 2020 on my credit report. I believe this is a reporting error, as my records show that this account was paid on time. 



I disputed this late payment with TransUnion, but the result stated only that the information was updated, without providing any evidence that verified the accuracy of the late mark. I was not given any meaningful documentation or explanation to support the continued reporting of this derogatory mark. 



This reporting error is negatively affecting my credit standing and does not reflect the true history of my account. Under the Fair Credit Reporting Act ( FCRA ), both XXXX XXXX  XXXX and TransUnion have a legal obligation to ensure the accuracy and integrity of the information they furnish and maintain. 



I am requesting that this matter be thoroughly re-investigated and that the inaccurate late payment be removed from my credit file. I have attached a copy of my credit report and the dispute result for reference. I expect a prompt and fair resolution.

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 2025-05-18 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: NM

Complaint narrative:
I am filing this complaint because XXXX  XXXX XXXX is inaccurately reporting a 30-day late payment for XX/XX/scrub> 2020 on my credit report. I believe this is a reporting error, as my records show that this account was paid on time. 



I disputed this late payment with TransUnion, but the result stated only that the information was updated, without providing any evidence that verified the accuracy of the late mark. I was not given any meaningful documentation or explanation to support the continued reporting of this derogatory mark. 



This reporting error is negatively affecting my credit standing and does not reflect the true history of my account. Under the Fair Credit Reporting Act ( FCRA ), both XXXX XXXX  XXXX and TransUnion have a legal obligation to ensure the accuracy and integrity of the information they furnish and maintain. 



I am requesting that this matter be thoroughly re-investigated and that the inaccurate late payment be removed from my credit file. I have attached a copy of my credit report and the dispute result for reference. I expect a prompt and fair resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
In XXXX, I had a payment with Affirm that was marked as late on my credit report. However, I was never notified about this due date. After speaking with an Affirm representative, I was told that they had an outdated email address on file and their system was sending emails to that incorrect address, which were bouncing back. 

Because I never received any communication or reminders, I had no idea the payment was due. I only found out when I saw the late payment on my XXXX credit report. Once I discovered the issue, I contacted Affirm immediately, updated my email address, and resumed payments. 

I explained the situation to Affirm and asked them to remove the late payment as a goodwill gesture, since the problem was due to their communication failure. They refused to remove it. I also tried to dispute the late payment with XXXX but the dispute was denied. 

This has unfairly damaged my credit due to a situation I had no control over. I am requesting that Affirm remove the late payment from my credit report as a goodwill correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter serves as final notice of my dispute regarding the inaccurate late payment reporting on my credit file and your agencys ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite previous disputes, you have continued reporting this derogatory information without providing any documentation to support its validity. A generic 'verified ' response does not satisfy the legal requirement to perform a reasonable reinvestigation under FCRA 1681i.

You are also in violation of FCRA 1681e ( b ) which requires that you ensure the maximum possible accuracy of the information you report. Your failure to remove unverifiable data and your refusal to produce original documentation demonstrates willful noncompliance.

You now have 30 days from the date of this letter to provide the following : - Full and complete documentation from the original creditor validating the alleged late payment ; - A detailed explanation of the reinvestigation process and verification methods ; - Immediate deletion of the disputed item if it can not be 100 % verified with original, substantive evidence. 
In support of my position, I refer you to the most recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against major credit reporting agencies : - In XX/XX/year>, the CFPB sued Equifax for failing to properly investigate consumer disputes and continuing to report inaccurate data. 
These actions prove a pattern of systemic negligence in the industry. Your behavior mirrors the violations highlighted in these cases and only strengthens my intent to pursue legal remedies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: OH

Complaint narrative:
So i got Job Scammed And wanted to dispute it. Discover has a {$0.00} Fraud Liability Guarantee and yet they still denied my i gave them evidence on all the cash app transation and the ach and they still denied me I am now seeking my money back or i will end up seeking legal action as adviced by my lawyer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Navy Federal came and repossessed the truck but still have it on my credit They failed to send me the 1099 even though they wrote it off on there taxes,.. When I asked them about it would not provide me with it Also the tow company XXXXXXXX XXXX picked up the vehicle in a yard and failed to come to the door to let me know Also took item that belong to refund advantage ( check ) Have not giving me the addresses to the tow yard Friday I set up an appointment to get my belongs out the suv Got in my son car and road around looking for the tow yard 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 2025-05-19 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: TX

Complaint narrative:
Amount XXXX Date opened XX/XX/2024 Disputed through experian mobile app

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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Hello! I'm writing to u bc I have a lot of infrmation in my file that needs to come out. There's a report available for u to review tht needs to be cleaned up. I have a stolen identity, and those charges absolutely aren't mine. I absolutely need them to come out to repair my credit report. I've already notified the Federal Trade Commission, and I hav attached a copy of their Identity Theft Affidavit. I'd appreciate it if you could remove thse items 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 2025-05-18 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:
Subject : Round XXXX Dispute - Identity Theft - Demand for Removal of Fraudulent Accounts and Inquiries Dear Equifax Consumer Fraud Department, This is a formal follow-up dispute in XXXX XXXX XXXX regarding fraudulent accounts and inquiries that remain on my credit report despite my initial dispute. I was told that Equifax does not have my Identification to process my dispute.I will be providing these documents in this dispute please take note of it. Under my rights pursuant to Title 15 USC 1681 and sections 609 ( a ), 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I demand the immediate removal of these unauthorized accounts and inquiries that are a result of identity theft. 
I first became aware of fraudulent activity on my credit report on XX/XX/year>, when I attempted to apply for a home loan. I have never applied for, authorized, or conducted any transactions related to the following accounts and inquiries :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: NM

Complaint narrative:
I am filing this complaint because XXXX  XXXX XXXX is inaccurately reporting a 30-day late payment for XX/XX/scrub> 2020 on my credit report. I believe this is a reporting error, as my records show that this account was paid on time. 



I disputed this late payment with TransUnion, but the result stated only that the information was updated, without providing any evidence that verified the accuracy of the late mark. I was not given any meaningful documentation or explanation to support the continued reporting of this derogatory mark. 



This reporting error is negatively affecting my credit standing and does not reflect the true history of my account. Under the Fair Credit Reporting Act ( FCRA ), both XXXX XXXX  XXXX and TransUnion have a legal obligation to ensure the accuracy and integrity of the information they furnish and maintain. 



I am requesting that this matter be thoroughly re-investigated and that the inaccurate late payment be removed from my credit file. I have attached a copy of my credit report and the dispute result for reference. I expect a prompt and fair resolution.

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 2025-05-18 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:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax Data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach.

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 2025-05-18 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax Data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach.

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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
repeated the following on XXXX XXXX XXXX for a total of XXXX times : during online login to myequifax, reuested log in help, successfully entered my SSN my phone number and my email address and successfully entered the XXXX digit challenge number on my phone but each time I received this response : unable to perform request, try again later

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian states my credit score is lower than its supposed to be because of a late payment within the last XXXX months. Looking at my report I have XXXX payment XXXX days late back from XXXXXX/XX/year> which was the month prior to my bankruptcy. I have attempted to contact experian with the chat they offer and have had XXXX results. Every payment from XX/XX/year> until current has been made on time and my credit report reflex that however there system still states I have a delinquent payment within the last XXXX months. I just ask they look into it and fix the issue since it states it is lowering my score for something that is not factual.

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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-18 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: LA

Complaint narrative:
I am filing a new complaint against XXXX XXXX XXXX XXXX for continued violations of the Fair Credit Reporting Act ( FCRA ) and intentional damage to my credit report. Despite previous disputes and a prior CFPB case, XXXX has continued to manipulate and re-age my payment history in a way that is misleading, harmful, and legally noncompliant. 

Recently, the company updated my payment history on the charged-off auto loan account to reflect additional late payments, two repossession notations, and a revised timeline of delinquency that escalates the derogatory reporting even though the account was charged off in XX/XX/XXXX. 

This update includes : Changing XX/XX/XXXX from Unknown to 30 Days Late Reporting two repossessions ( XX/XX/XXXX and XX/XX/XXXX ) Labeling the account as Current in XX/XX/XXXX and XX/XX/XXXX despite surrounding lates Continuing to update the account as recently as XX/XX/XXXX These actions are not corrections they are re-aging and re-reporting derogatory activity to maximize the negative impact on my credit, a clear violation of FCRA 623 ( a ) ( 5 ).

Additionally : The account is listed as both charged off and {$5000.00} past due, which is inaccurate and misleading I have never received full debt validation from XXXX collection partners, violating FDCPA 809 The account continues to appear active and report current updates, despite being resolved over 3 years ago These violations have caused me serious harm, including rejection for a mortgage, inflated interest rates, and emotional distress. I am requesting regulatory enforcement.

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