vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 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: MD

Complaint narrative:
Re : Failure to Provide Notice of Negative Information ( 15 U.S.C. 1681s-2 ( a ) ( 7 ) ) To Whom It May Concern, Upon review of my credit report, I have discovered that you furnished a late payment on the above-referenced account to one or more consumer reporting agencies.

As you are aware, the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 7 ), requires that a furnisher of information provide written notice to the consumer no later than 30 days after furnishing negative information to a consumer reporting agency.

To date, I have not received any such notice. A billing statement or past due reminder is not sufficient under the law. The statute requires a distinct and clear disclosure stating that negative information will be or has been reported to the credit bureaus.

Therefore, I am demanding that you provide : A copy of the written notice you claim to have sent me under 623 ( a ) ( 7 ) ; The date it was mailed, the address it was sent to, and the method of delivery ; Evidence of compliance procedures your company follows to ensure adherence to 623.

If you can not provide verifiable documentation, then the late payment entry is procedurally defective and must be removed from all consumer reporting agencies to whom you furnished it. 

Please respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Contacted the debt collector asked for debt validation and never received

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 2025-09-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank XXXX XXXX XXXX XXXX and Systematic Cover-Up Conspiracy On XX/XX/XXXX, TD Bank XXXX XXXX my deceased brother 's safe deposit box without proper authorization and subsequently sold the contents ( XXXX championship XXXX from XXXX XXXX XXXX ) valued between $ XXXX {$500000.00} during XXXX for only $ XXXX {$2000.00} while my brother was still alive. 

When I requested access as estate executor in XXXX, TD Bank began a systematic XXXX cover-up, falsely claiming the box was " empty '' and denying access. After my brother 's death on XX/XX/XXXX, I discovered the truth through legal action. 

The smoking XXXX evidence emerged on XX/XX/XXXX, when TD Bank 's XXXX invoice acknowledged my estate authority. However, on XX/XX/XXXX, XXXX XXXX ( Customer Experience XXXX ) signed a contradictory letter claiming litigation prevented discussion of the same estate matters they had just invoiced. 

TD Bank also committed account fraud by telling me accounts were " closed '' while actively managing Account # XXXX and charging fees throughout the deception period. 

This represents a XXXX banking conspiracy involving : Illegal safe deposit box drilling and theft Systematic asset misappropriation False statements to federal regulators Account fraud and fee manipulation Senior customer elder abuse The XX/XX/XXXX drilling was the original crime. Everything afterward was calculated cover-up. XXXX XXXX 's contradictory signed letters prove TD Bank 's systematic bad faith and willful misconduct. 

Federal court case XXXX is now active with XXXX XXXX XXXX XXXX. TD Bank 's own employee signatures provide irrefutable evidence of banking crimes requiring immediate criminal referral and enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Cease and Delete Request Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX SSN : XXXX | DOB : XX/XX/XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Re : Cease Reporting & Deletion Request of Inaccurate/Unverifiable Accounts To Whom It May Concern, I am writing to formally dispute and demand the deletion of all inaccurate, unverifiable, and adverse information currently reported on my TransUnion credit file. Under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i, 1681s-2, 1681b, and 1681c, I have the right to dispute information that can not be fully verified for accuracy and completeness. The following accounts must be deleted as they are inaccurate, unverifiable, or otherwise reported in violation of federal law : - XXXX XXXX XXXX XXXX  from XXXX XXXX XXXX  {$850.00} : Unverified balance and no proper validation of debt. 
- XXXX XXXX XXXX XXXX from XXXX XXXX  {$1300.00} : Reported balance inconsistent with original creditor records and unverifiable. 
- The XXXX XXXX XXXX XXXX from XXXX XXXX XXXX {$3300.00} : Previously disputed, still reported inaccurately without correction. 
- XXXX XXXX XXXX XXXX : Debt not validated ; reporting is incomplete and unverifiable. 
- XXXX XXXX XXXX : No validation provided ; balance and reporting accuracy in dispute. 
- XXXX XXXX XXXX XXXX : Unverified account with incomplete reporting history. 
- XXXX XXXX ( 3 accounts ending in XXXX, XXXX, XXXX ) Charge-offs : Improper reporting and unverifiable balances ; inaccurate status updates. 
- XXXX XXXX XXXX Charge-off : Reported with inconsistencies and unverifiable information. 
- XXXX XXXX XXXX Mortgage account : Negative payment history contains errors, not fully validated, previously disputed without proper reinvestigation. 
Under 15 U.S.C. 1681i, you are required to conduct a reinvestigation within 30 days. If these accounts can not be fully verified, they must be deleted immediately. Additionally, under 15 U.S.C.

1681n, continued reporting of inaccurate information constitutes willful noncompliance and exposes your agency to legal liability. 
I demand written confirmation of the deletion of these items within 30 days of receipt of this letter. 
Sincerely, XXXX XXXX XXXX I already sent this to TransUnion.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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.

15 U.S.C 1681 section 602 A. 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 a account without my written instructions 15 U.S.C 1681c. ( 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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

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.

15 U.S.C 1681 section 602 A. 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 a account without my written instructions 15 U.S.C 1681c. ( 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: OH

Complaint narrative:
I'm not understanding where this debt is from. My identity was stolen a few years back and I still haven't been able to find out how.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: SC

Complaint narrative:
After reviewing my credit report, it has come to my attention a collection account from XXXX XXXX XXXX XXXX XXXX account # XXXX * * * is being inaccurately reported as open on my credit report. Inaccuracies in date of last activity, date reported, date open, and original creditor. This is misleading and violates the Fair Credit Reporting Acts accuracy requirements. I am requesting that this account be removed from my credit report.

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 2025-09-06 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: MI

Complaint narrative:
I am currently attempting to get a mortgage. XXXX incorrectly reported late payments after not informing me that the XXXX XXXX XXXXXXXX loan discharge did not cover the private loan. We were also duped by XXXX to continually put loans into forbearance on top of the school I attended, XXXX XXXX, providing terrible advice and eventually closing all schools. This loan should have been XXXX from day XXXX, but the information they did obtain, should have been correct. Instead, now it's affecting my ability to get a loan.

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 2025-09-06 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: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I am the victim of identity theft and XXXX  dataa breach. I notified the creditors and the XXXX credit companies. XXXX and XXXX have not protected me. Despite filing a police report on XX/XX/XXXX, fraudulent accounts and inquiries continue to appear on my credit reports. Several accounts were temporarily removed but were later reinserted, which violates the Fair Credit Reporting Act ( FCRA ). 
The fraudulent accounts include : Santander Bank XXXX Opened XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX account XXXX XXXX XXXXXXXX XXXX XXXX XXXX accounts Additionally, I did not authorize the following hard inquiries : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXXXXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXXXXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ). 
I have already provided a police report to the credit bureaus. I am requesting permanent deletion of these fraudulent accounts and inquiries from all credit reporting agencies. The continued reporting and reinsertion of fraudulent items violates FCRA 1681c-2 and 1681i. 
I ask that these accounts and inquiries be blocked permanently, that I receive written confirmation of their deletion, and that no future reinsertion occurs without proper certification and notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
I am disputing the inaccurate reporting of a debt originally owed to XXXX XXXX. This account has been placed with two different collection agencies at the same time. XXXX XXXX XXXX is reporting a balance of {$1100.00}, while Innovative Recovery Inc. is reporting a balance of {$1100.00}. Both agencies are currently showing active balances for the same debt. 

This is misleading and unfair. Once a debt is sold or transferred, the prior agency should report a {$0.00} balance and close the account. Instead, both accounts remain open with different balances, making it appear as though I owe twice. This is not accurate reporting under the Fair Credit Reporting Act.

I am requesting correction so that only one valid agency reports the balance, and that the other account is updated to reflect a XXXX balance and closed/transferred status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: FL

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. 
Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account number : # XXXX has violated my rights. 

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.

15 U.S.C. 1681B ( 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 2025-09-06 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: IL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX XXXX XXXX  XXXX XXXX - Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX # XXXX - Date Opened XX/XX/XXXXXXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXXXXXX XXXX # XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX XXXXXXXX XXXX  # XXXX - Date Opened XX/XX/XXXX XXXX XXXX  - Date Opened XX/XX/XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXXXXXX XXXX # XXXXXX - Balance {$29000.00} XXXX  # XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNKNOWN # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXX XXXX COLLECTION ACOUNT # XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: NM

Complaint narrative:
I received a text from XXXX saying " This is TrueAccord, a debt collector. Resolving an account is easier than you think! Explore flexible options : XXXX XXXX XXXX Reply stop to opt out '' I got this text today on XX/XX/year>. I didn't even contact the company because I owe nothing except student loan debt which isnt being collected because I am a XXXX XXXX currently and hardly owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: KEYCORP
State: WA

Complaint narrative:
I received a phone call XXXX months ago from another state that someone was trying to get credit cards issued in my name, I spoke to a credit professional and was directed to put a freeze on all my credit cards and freeze any credit info through the credit reporting agencies, which I did for XXXX which isn't up until next month. 
Today I received a call from XXXX saying they were with a credit reporting agency calling to verify my personal info as someone was trying to open more credit cards in my name, they had my ss # and new which credit cards were active in my name, then went on to verify specific transactions, and named a specific payment that I did verify that I had made this payment in full, at which time they hung up on me immediately and I couldn't get back to them by recalling the number on my phone. 
At this time I put a block on all cards that I have and I'm trying to see if in fact my credit report is unfrozen or not, can you please help me with this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
My data was exposed in a data breach. Including but not limited to ; SSN, DOB, addresses, aliases, employer, etc. 
This company has also went into this file multiple times and flagged/unflagged the account. They have also changed the amount of the debt several times.

Company response to consumer: Closed with explanation