vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
XXXX XXXX I found fraudulent activity on my Target XXXX XXXX. I immediately called the number on the back of the card in my possession and reported that I did not charge nor authorize any charge to my card and my balance should show {$0.00}. The last legitimate bill being paid in full XX/XX/XXXX Payment XXXX XXXX XXXX {$140.00}. 
They said they would handle the dispute and send a new card. They also advised that the " Fraudsters '' had changed the address on my account to XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, The agent corrected my address to the legitimate address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
I did not receive a replacement card but did receive an email XX/XX/XXXX showing a " returned unpaid payment of {$6300.00} '' to a card ending in XXXX ( email doc attached ) I called XXXX number listed on the email and advised I have no card ending in XXXX in my possession and was advised by the agent that it seems the " Fraudsters '' had changed my address in my account back to the XXXX XXXX XXXX address ( see above ) So, she felt the new card was sent to that address! 
XX/XX/XXXX I received an email Statement ( attached ) saying I have a balance of {$14000.00}. 
XX/XX/XXXX I received an email ( attached ) saying " Your recent payment to your XXXX XXXX XXXX account ( ending in XXXX ) has been returned unpaid. '' for {$11.00}. I never made any such payment as the account had not been used since the last legitimate payment on XX/XX/XXXX. I have never received a card ending in XXXX. I also received an email XX/XX/XXXX, '' Based on your request, effective immediately, we've canceled your enrollment in Auto Pay. " ( attached ). I had never signed up for autopay. 
When I spoke to Target XXXX XXXX they said they would not proceed with anything to do with my account untill I sent them a copy of my Social Security card ( front and back ), drivers license ( XXXX XXXX  XXXX ) and a utility bill with my name and address. I went to my local XXXX XXXX XXXX ( XXXX XXXX. XXXX ), long time account holder, as I keep my SS card in a safe deposit box and my banker said he would not recommend sending these docs over an unsecured fax line or even USPS as that also is unsecured. I have filed a case with the Georgia Adult Senior Protective Services Case # XXXX and the XXXX, XXXX Police Department Case # XXXX and both said they had never heard of this kind of request and advised not to Fax or Mail copies of these doc. When I asked for the paper copy of the statements showing what purchases and where made up the fraudulent charges, the agent put me on hold for 10min and then she hung up. 
I have also frozen my accounts with the XXXX credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: PA

Complaint narrative:
Details of the Complaint : I am filing this complaint against XXXX for attempting to collect a XXXX XXXX debt that I dispute and for failing to provide legally required documentation to validate the debt. 

XXXX claims that I, XXXX XXXX XXXX, owe a federal XXXX XXXX in the amount of {$29000.00} under account number XXXX * *. I have requested full validation of this debt, including : XXXX. A signed Master Promissory Note ( MPN ).

2. The original loan details, including disbursement and payment history.

3. Documentation of any loan transfer or assignment to XXXX. 
XXXX. Legal authority to collect on the alleged debt. 

I submitted a formal written request for debt validation, as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, but XXXX has failed to respond with the requested documents. 

Additionally, I checked my account at XXXX : XXXX, and there is no MPN or loan record associated with my name or FSA ID. 

Despite this, XXXX continues to claim I owe the debt and may be reporting it to credit bureaus or preparing for further collection action.

This is a violation of my rights under federal law, and the debt should not be enforced without proper validation.

L Resolution Requested : I respectfully request that the CFPB investigate this matter and direct XXXX to : Cease all collection activity until the debt is fully validated. 
Provide the legally required documentation, especially a copy of the signed Master Promissory Note. 
Remove any negative reporting related to this account from my credit report if the debt can not be validated. 
Ensure XXXX complies with the FDCPA and Department of Education XXXX XXXX student loan collections. 

Thank you for your assistance. XXXX Requested : I respectfully request that the CFPB investigate this matter and direct XXXX to : Cease all collection activity until the debt is fully validated. 
Provide the legally required documentation, especially a copy of the signed Master Promissory Note. 
Remove any negative reporting related to this account from my credit report if the debt can not be validated. 
Ensure XXXX complies with the FDCPA and Department of Education rules governing XXXX XXXX collections. 

Thank you for your assistance.

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 2025-04-29 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:
" 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 on my XXXX XXXX  account [ XXXX ]. 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 non-monetary relief
Consumer complaint received 2025-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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 non-monetary relief
Consumer complaint received 2025-04-29 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: PA

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: PA

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: NJ

Complaint narrative:
Subject : Request for Removal of Old Debt from Credit Report I am writing in regard to the debt listed under my name on my credit report. The account is identified by the reference the company name above and I am requesting the removal of this old debt from my credit report due to the following reasons : 1 Debt Validation Request :, I am requesting that you provide me with evidence of the debts validity. Specifically, I would like to receive documentation verifying the original creditor, the amount owed, and any relevant details that confirm this debt is legitimate.

2 Request for Removal I respectfully request that you remove this debt from my credit report entirely, as it is negatively impacting my credit score.

3 Statute of Limitations : I kindly request that you confirm the status of this debt and remove any associated negative reporting from my credit report.

As per my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to dispute any inaccurate or outdated information. I would appreciate your prompt attention to this matter and request that you respond within 30 days of receiving this letter. If you fail to respond or provide proper documentation, I will consider the debt invalid, and I will request its immediate removal from my credit record. 
Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: MO

Complaint narrative:
Dispute of Collection Account Request for Validation Account Number : XXXX I am writing to formally dispute the validity of the above-referenced account under my rights afforded by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

The credit bureau is refusing to provide validation of this debt from the creditor. 

According to the FDCPA, I have the right to request a complete and proper validation of any alleged debt you claim I owe. Accordingly, I request that you provide the following : XXXX. Validation of the debt including a copy of the original signed contract or other evidence bearing my signature showing I have a legal obligation to pay. 
XXXX. The name and address of the original creditor, as well as a detailed breakdown of the alleged amount owed, including any interest, fees, or other charges. 
XXXX. Proof of your legal right to collect this debt in my state. 
XXXX. A full itemized accounting of the alleged debt. 
XXXX. XXXX that you are licensed to collect debts in my state, along with your license number. 

Additionally, reporting information to any credit bureau without verifying the validity of the debt XXXX constitute a violation of the FCRA. If this debt can not be properly validated, you must immediately : Cease collection activities ; and Request deletion of this account from all consumer reporting agencies to whom you reported it, including but not limited to XXXX XXXX, and TransUnion. 

Be advised that any attempt to collect on an unverified debt, or to report inaccurate information to a credit reporting agency, is a violation of federal law, and I reserve the right to take further action to protect my interests. 

Please note that during the verification process, you are required to cease all collection activities per FDCPA 1692g ( b ) until proper validation is provided. Also, if you fail to respond to this request within 30 days, I will consider the matter closed and will expect the removal of the collection account from my credit report accordingly. 

I expect your written response within 30 days of receipt of this letter. All future communications regarding this matter should be in writing only. 

Thank you for your prompt attention. 

Sincerely, 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 2025-04-29 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: WY

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XX/XX/XXXX ss # XXXX and live at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am filling this complaint because the following account is reporting as collection/charge off on my credit report la : XXXX XXXX XXXX account number XXXX with a balance of {$1400.00} is reporting as collection/charge off on Experian TransUnion and Equifax and I have disputed this account 4times with each bureau and asked them to delete it because I used this card to pay my medical bills and for medication.i was diagnosed with XXXX XXXX XXXX  in XXXX of XXXX and had to use this card to pay medical bills.i am aware that medical expenses and bills are not supposed to be reported on my credit profile.please delete this account from Experian TransUnion and Equifax as soon as possible because I am trying to buy a car to get back and fourth to XXXX and this negative account is stopping me from obtaining new credit.

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 2025-04-29 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: WY

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XX/XX/XXXX ss # XXXX and live at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am filling this complaint because the following account is reporting as collection/charge off on my credit report la : XXXX XXXX XXXX account number XXXX with a balance of {$1400.00} is reporting as collection/charge off on Experian TransUnion and Equifax and I have disputed this account 4times with each bureau and asked them to delete it because I used this card to pay my medical bills and for medication.i was diagnosed with XXXX XXXX XXXX  in XXXX of XXXX and had to use this card to pay medical bills.i am aware that medical expenses and bills are not supposed to be reported on my credit profile.please delete this account from Experian TransUnion and Equifax as soon as possible because I am trying to buy a car to get back and fourth to XXXX and this negative account is stopping me from obtaining new credit.

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 2025-04-29 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: MD

Complaint narrative:
I am filing this complaint because all three credit bureaus ( Experian, Equifax, and TransUnion ) are reporting inaccurate and potentially fraudulent tradelines on my credit reports. I have formally disputed all accounts listed under my credit profiles due to serious concerns regarding their accuracyespecially in light of the documented data breaches that compromised consumer information. 

Due to these security failures and ongoing reporting errors, I no longer trust the accuracy or legitimacy of the accounts tied to my credit file. I submitted disputes requesting that all accounts be investigated and removed if they can not be verified. I have not received a satisfactory resolution from any of the bureaus. 

These tradelines are negatively impacting my financial standing. I am requesting a full investigation and the removal of all unverifiable or inaccurate accounts from my reports.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST ADVANTAGE CORPORATION
State: MT

Complaint narrative:
First advantage used XXXX in XXXX XXXX from 2016 and XXXX XXXX states they can only go back 7 years... they also were wrong on all the other ending XXXX dates. And as a result of this report a potential employer choice not to hire me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE XXXX  ANY TRANSACTIONS DONE BY ME.

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 2025-04-29 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:
THE ACCOUNTS LISTED DOES NOT RELATE XXXX  ANY TRANSACTIONS DONE BY ME.

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 2025-04-29 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: FL

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 2025-04-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NM

Complaint narrative:
Account I.C System Inc # XXXX, XXXX unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

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