vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: NV

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am reporting an issue with a closed account from XXXX XXXX This account has a XXXX balance and was paid and closed, yet it continues to be reported on my credit report as a derogatory account. 

I have already contacted XXXX XXXX to request that the reporting be updated or removed to accurately reflect that the account is paid and closed, but the issue has not been corrected. 

Since there is no balance owed, and the account is no longer active, the continued negative reporting is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ). This ongoing reporting is unfairly affecting 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 non-monetary relief
Consumer complaint received 2025-11-04 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: CO

Complaint narrative:
I am reporting an issue with a closed account from XXXX XXXX This account has a XXXX balance and was paid and closed, yet it continues to be reported on my credit report as a derogatory account. 

I have already contacted XXXX XXXX to request that the reporting be updated or removed to accurately reflect that the account is paid and closed, but the issue has not been corrected. 

Since there is no balance owed, and the account is no longer active, the continued negative reporting is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ). This ongoing reporting is unfairly affecting my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: CA

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

1681c2 ) that you, the TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I am filing a Regulation E complaint regarding multiple unauthorized debit card transactions and TD Banks handling of my disputes and account funds. 

I noticed fraud around XX/XX/year> and filed multiple disputes. TD Bank issued provisional credits, then closed/restricted my account while disputes were still pending. I was given conflicting information from TD Bank about the status of my account and access to my funds. 

TD dispute case numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

TD Bank denied several disputes claiming transactions were authorized due to online banking logins/spending patterns, but TD did not provide the investigation evidence I requested ( device/IP logs, merchant responses, internal notes, authorization proof ). Some disputes are still pending, and TD told me they can not provide documentation until they close them. 

TD also directed me to go to a branch for funds release after account closure. When I went to the branch on XX/XX/year>, I was told the account is restricted and they could not release funds. Corporate says the account is closed and funds would be mailed. Both departments contradict each other, and I can not access my remaining balance ( approx {$5000.00} non-provisional funds ). 

I also disputed transactions for programs ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) that did not deliver promised services. TD told me to resolve directly with the merchant instead of completing a Regulation E investigation.

This situation has caused financial hardship, including being unable to pay rent while TD holds my funds.

I am requesting CFPB assistance to ensure TD Bank : 1. Releases my remaining available funds immediately 2. Follows Regulation E procedures and provides investigation evidence 3. Reopens or properly reviews denied disputes 4. Stops reversing provisional credits without proof of authorization 5. Provides clear written account status and process for fund release I have copies of denial letters, provisional credit statements, and branch notes documenting my visit and inability to access funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I made a purchase from XXXX on XX/XX/year> using my Capital One credit card. The transaction was authorized on that date, but XXXX delayed submitting the charge for settlement for about two weeks. As a result, the transaction posted after my introduction rewards promo date and I did not receive the rewards points for that cycle. I have a receipt showing the original purchase date. Capital One customer service confirmed the posting delay but stated there was nothing they could do. Im requesting a manual review or adjustment of the rewards points since the purchase occurred before the statement cutoff and the delay was caused by the merchant, not by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
am writing to formally dispute an account appearing on my Equifax credit report that is inaccurate and does not belong to me. The account in question is reported as follows : Creditor Name : XXXX XXXX Balance : {$900.00} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX I have no knowledge of this account and have never had any financial relationship with this creditor. This account appears to be the result of either a reporting error or possible identity theft. Additionally, there seems to be double reporting activity associated with collection agencies that should be reviewed for accuracy. I am requesting that this account be fully investigated and permanently removed from my credit report if it can not be verified as legitimately belonging to me. Please provide me with written confirmation of the results of your investigation once completed. I have included copies of my identification and proof of address to assist in verifying my identity. Thank you for your time and prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: SC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-04 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: SC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a consumer working to fix my credit. Below are the accounts I am disputing across the XXXX credit bureaus : XXXX ( XXXX ), TransUnion ( TU ), and XXXX  ( XXXX ). I request a review and correction of these entries to ensure accuracy and compliance with credit reporting standards. 

Charged Off Accounts : TransUnion ( TU ) : XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$120.00} Inquiries : TransUnion ( TU ) : XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX FIN Date of Inquiry : XX/XX/XXXX XXXX FIN 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 Date of Inquiry : XX/XX/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 2025-11-04 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: CBC Companies, Inc.
State: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 2025-11-04 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:
VOID THIS ACCOUNT AS IT WAS OPENED WITHOUT MY CONSENT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-11-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am the POA for my father. He has a HELOC at Bank of America. He called me and asked my to transfer money from his HELOC to his checking account. I went to the bank on XX/XX/year> and showed them my POA paperwork. It specifies that I have the specific power to conduct banking transactions, as provided in XXXX XXXX. XXXX, which states in paragraph h : Use, charge, or draw upon any line of credit, credit card, or other credit established by the principal with a financial institution. After providing records to them and repeatedly jumping through hoops, they refused to allow me to make the transaction, even after I cited the information I've enclosed here. They would only allow it if I brought my father into the bank in person. The Florida Statute does not require that he be present to do this. 
My father is XXXX XXXX XXXX and is hard of hearing. He has repeatedly had trouble communicating with others. He also lives XXXX miles from me, and the Bank of America branch that was in his town of XXXX XXXX, FL has shut down, making it a hardship for me to pick him up, come back into my town to go to the bank, and then return him to his home.

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 2025-11-04 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: MD

Complaint narrative:
Fair Credit Reporting Act ( FCRA ) Identity Theft Report ( Filed under 15 U.S.C. 1681 et seq. ) Complainant : XXXX XXXX Address : XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXXXXXX XXXX : XXXX Email : XXXX Date : XX/XX/year> To : Federal Trade Commission ( FTC ) Consumer Response Center XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX or To : [ Credit Bureau or Creditor Name ] [ Address ] Subject : FCRA Identity Theft Report Unauthorized Use of My Name and Credit Dear Sir or Madam, This letter serves as a formal identity theft report and dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). I have reason to believe that fraudulent accounts or credit inquiries have been made in my name without my authorization. 

Pursuant to my rights under 15 U.S.C. 1681c-2, I am requesting that you : 1. Block and remove any information on my credit report that results from identity theft.

2. Investigate and verify all accounts listed under my name that appear fraudulent.

3. Provide written confirmation once the investigation and necessary corrections have been completed. 



I did not authorize any of the fraudulent activity associated with my identity. I am enclosing ( or will provide upon request ) the following supporting documents : A copy of my government-issued ID Proof of address A copy of my FTC Identity Theft Report ( if already filed ) Any related correspondence showing unauthorized accounts Please treat this matter as time-sensitive and in full compliance with the FCRAs investigation requirements. 

Thank you for your immediate attention to this serious issue. Please confirm receipt of this report and inform me of any further steps required. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Sincerely, XXXX XXXX Fair Credit Reporting Act ( FCRA ) Identity Theft Report ( Filed under 15 U.S.C. 1681 et seq. ) Complainant : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Date : XX/XX/year> To : Federal Trade Commission ( FTC ) Consumer Response Center XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX or To : [ Credit Bureau or Creditor Name ] [ Address ] Subject : FCRA Identity Theft Report Unauthorized Use of My Name and Credit Dear Sir or Madam, This letter serves as a formal identity theft report and dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). I have reason to believe that fraudulent accounts or credit inquiries have been made in my name without my authorization. Pursuant to my rights under 15 U.S.C. 1681c-2, I am requesting that you : 1. Block and remove any information on my credit report that results from identity theft. 2. Investiga

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