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

Complaint narrative:
These XXXX accounts was opened fraudulently under my name. Under the FCRA XXXX it must be blocked and removed. Please have it Closed immediately and remove it from my report. 






Experian- XXXX Bank XXXX balance : {$66.00} ( date opened - XX/XX/XXXX ) Equifax- XXXX Bank XXXX balance XXXX {$66.00} ( date opened - XX/XX/XXXX ) credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) Experian- XXXX XXXX XXXX balance : {$1300.00} ( date opened- XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  DO IT OVER ) phone bill XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) Experian- XXXX XXXX XXXX XXXX- balance : {$220.00} ( date openedXXXX ) XXXX XXXX XXXX Bank- balance : {$220.00} ( date openedXXXX ) Equifax- XXXX XXXX balance : {$220.00} ( date openedXXXX ) credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Experian- XXXX XXXX XXXX balance : {$11000.00} ( date opened-XXXX ) XXXX XXXXXXXXXXXX XXXX XXXX XXXX- balance : {$12000.00} ( date opened- XX/XX/XXXX ) Equifax- XXXX XXXX XXXXXXXX XXXX XXXX XXXX- balance : {$12000.00} ( date opened- XX/XX/XXXX ) apartmenXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) Experian- XXXX XXXX XXXX XXXX balance {$0.00} ( date opened- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX- balance {$0.00} XXXX date opened- XX/XX/XXXX ) Equifax- XXXX XXXX Company- balance {$0.00} ( date opened- XX/XX/XXXX ) credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) Experian- XXXX XXXX balance {$380.00} ( date opened- XX/XX/XXXX ) XXXX- XXXXXXXX XXXX XXXX- balance {$180.00} ( date opened- XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX  DO IT OVER ) credit card

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 2025-09-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Legal Recovery Law Offices, Inc
State: OH

Complaint narrative:
XX/XX/XXXX XXXX  XXXX I started bankruptcy i paid in full XX/XX/XXXX XXXX. And my case still hasnt been filed they are lying and saying I didn't submit my documents and they weren't in the correct formats. I asked for my money back because I fired them and they will not give me my money back. I was being sued by creditors they won the case and now my wages are going to be garnished because these people didn't file my case. All I wanted was what I paid them for and they caused nothing but more stress and more financial issues for me. And stole my money. These people do nothing but lie.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-09 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: OH

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: LA

Complaint narrative:
Subject : Urgent Complaint and Dispute Illegal and Unlawful Access to My Personal and Student Loan Information Dear Consumer, Financial Protection Bureau, I am filing this formal complaint and dispute because an entity identifying as XXXX has unlawfully accessed, used, and reported my personal data and student loan information in ways that blatantly violate federal law. This intrusion is not only unauthorized but stands as a clear danger to my financial integrity and privacy. 

The information being accessed and circulated is unverifiable, inaccurate, outdated, and incomplete, and its ongoing use causes serious harm to my credit standing and personal security. These actions constitute direct violations of : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX ( b ), requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. The presence of unverifiable and inaccurate loan data proves this standard has not been met. 

FCRA, 15 U.S.C. XXXX ( a ), which requires reinvestigation and correction or deletion of disputed information that can not be verified. Despite my attempts to resolve this, the disputed data continues to be reported. 

Gramm-Leach-Bliley Act ( XXXX ), 15 U.S.C. XXXX ( a ), requires institutions to protect the security and confidentiality of consumer financial information. This duty was breached by allowing XXXX unlawful access to my loan details. 

FCRA, 15 U.S.C. XXXX ( f ), prohibits anyone from obtaining a consumer report without a permissible purpose. XXXX has no legal right to access my loan data, making this intrusion unlawful. 

These statutory violations are not technicalities ; they are violations that affect my life, my security, and my ability to move forward financially. Institutions entrusted with sensitive financial information should be held accountable when they allow illegal or reckless access by unverified actors. 

Accordingly, I am demanding the following immediate relief : XXXX. A full investigation into how XXXX obtained and accessed my student loan and personal information. 
XXXX. Permanent deletion of all unverifiable, inaccurate, outdated, or incomplete information tied to my credit and loan records. 
XXXX. Enforcement of appropriate penalties against the parties responsible for violating the FCRA and XXXX. 
XXXX. Written confirmation of corrective actions taken. 

The harm caused by these ongoing violations is tangible, unfair, and unlawful. I am prepared to provide supporting documentation and correspondence showing the discrepancies and unauthorized use of my information. 

I expect a timely and serious investigation by the CFPB into this matter. Consumers like me rely on your agency to be the line of defense against abuse and negligence by financial entities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-09-09 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : XXXX XXXX XXXX # XXXX * * * * -Date Opened XX/XX/year> -Balance {$270000.00}

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

Complaint narrative:
Equifax and Experian below are your numbers. My complaint is I am overseas and need your help. 1. I need a telephone number I can call from overseas. 2. CFPB, FTC and OVS I need you help me contact these buereas and explain to them, I am not in a situation that is good here, have minimal assistance and I genuinely need a way to call them. Since I havent had a credit report sent to me since XXXX I learned this year about a number of potentially very significant data breaches. I have been overseas so when I learned I contacted you. Read below, Equifax, Experian please send an overseas number asap so I can talk to you in person. Thank you, XXXX XXXX class members, regardless of whether they made a claim under the Settlement, can access the identity restoration services through XX/XX/XXXX. These services are provided by Experian and include : * Access to a U.S. based call center providing services relating to identity restoration ; * Assignment of a certified Theft Restoration Specialist to assist you in addressing an identity theft event ; * Assistance with a step-by-step process to deal with companies, government agencies, and credit bureaus.

For Assisted Identity Restoration Services, you may contact Experian at XXXX and provide engagement number XXXX.

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

Complaint narrative:
in XXXX and XX/XX/year>, TransUnion reported a XXXX late payment on the account XXXX XXXX XXXX XXXX *. Similarly, in XX/XX/year>, TransUnion reported a XXXX late payment on the account XXXX XXXX XXXX * *. 

Both of these negative items were already removed by Experian and Equifax, which confirms that the information is inaccurate and inconsistent. Despite this, TransUnion continues to report these late payments on my credit file. 

I have disputed these accounts, but TransUnion has failed to correct the records. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ), credit reporting agencies must ensure maximum possible accuracy and must update or delete any item that has been corrected or removed by other bureaus. 

By continuing to report these late payments, TransUnion is violating federal law, damaging my credit profile, and causing financial harm. I am requesting immediate deletion of all inaccurate late payment history for these accounts.

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 2025-09-09 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: U.S. BANCORP
State: MA

Complaint narrative:
I purchased an online training course called XXXX using my Fidelity credit card. The material was marketed as business training, but it was misleading and not as described. After realizing this, I attempted to cancel and request a refund.

The seller refused, claiming the course was non-refundable. However, this non-refundable term was not disclosed clearly before purchase. It was only shown later in a screenshot provided to my credit card company.

I disputed the charge through Fidelity ( XXXX XXXX XXXX ). My dispute was denied twice, with Fidelity relying solely on the merchants non-refundable screenshot, without addressing my complaint that the product was misrepresented and that key terms were hidden.

I then filed a complaint with the XXXX XXXX XXXX  but the company never responded.

Why I am filing this complaint : I believe FidelityXXXX XXXX not conduct a fair investigation of my dispute. They accepted the merchants screenshot without considering the deceptive nature of the sale or my evidence that the product was not delivered as promised. 

I am requesting that FidelityXXXX reopen the dispute and issue a chargeback, or otherwise provide a refund, as I was misled by the merchant and did not receive the value that was represented at purchase.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint due to the lack of response from the credit bureaus regarding my disputes and inquiries. I have mailed dispute letters to Equifax, Experian, and TransUnion via certified mail and have attached proof of delivery. Despite my efforts, I have not received any corrections or proper responses from the bureaus. 

I provided documentation identifying inaccurate information on my credit reports, including several unauthorized inquiries and derogatory marks that do not belong to me. I have submitted these disputes on multiple occasions, yet the bureaus have failed to address or correct the errors. Their lack of response is in direct violation of my rights under the Fair Credit Reporting Act, and I respectfully request the CFPBs assistance in ensuring that these inaccuracies are properly investigated and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
On XX/XX/XXXX, I stopped for food at XXXX XXXX XXXX XXXX, RI, XXXX, XXXX XXXX. I ordered a whole chicken that cost {$14.00}. I gave the person at the cash register my debit card, and they returned my card with a receipt folded. I did not sign nor did I use my pin for the transaction, I took my card with out looking at the reciept. Later at home, I noticed that the restaurant charged {$71.00} instead of {$14.00} in my checking account. I contacted my TD Bank immediately to let them know that I was overcharged and would like to dispute it. My bank has refused my claim twice, simply because I do not have the original receipt. The receipt is not going to prove much ; my bank records show that they overcharged. My bank failed to ask them for the receipt that I was supposed to sign since it was a credit charge. Instead, they placed the burden of proof on me. My bank is supposed to protect me, not side with the people who stole money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
review. Only one XXXX dispute can be submitted at a time. 

In review Dispute : XXXX Submitted XX/XX/year> I need to dispute with XXXX XXXXXXXX history Dispute : XXXX Resolved XXXX XXXXXXXX XXXX Dispute : XXXX Resolved

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

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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

Complaint narrative:
Target Card Services has failed to issue reimbursement for unauthorized charges on my Target RedCard despite my completing their fraud process months ago. Beginning in XX/XX/year>, I was billed monthly by a merchant identified as XXXX for {$53.00}, totaling approx. {$1000.00}. I never authorized or enrolled in any services with this merchant, and the account associated with these charges is not even in my name. 

Target acknowledged my dispute but continues to delay resolution beyond the legally required timeframe under the Fair Credit Billing Act ( FCBA ) and New York General Business Law 349. I have acted in good faith by paying my account balance monthly, yet I am still being denied reimbursement for charges that are clearly fraudulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-09 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-09-09 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:
CFPB COMPLAINT CREDIT REPORTING VIOLATIONS Category : Credit Reporting ( Fair Credit Reporting Act FCRA ) Complaint Summary I am filing this complaint against the nationwide consumer reporting agencies ( CRAs ) TransUnion, Experian, and Equifax for violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards.

Despite submitting formal disputes, the CRAs have : Failed to ensure maximum possible accuracy ( 607 ( b ) ).

Reported cross-bureau inconsistencies ( different dates, balances, payment histories, and comments for the same account ).

Improperly reinserted previously deleted accounts without providing the required 5-day written notice or furnisher certification ( 611 ( a ) ( 5 ) ( B ) ).

Failed to provide a complete Method of Verification ( MOV ), including the actual documents used to verify disputed accounts ( 611 ).

Continued reporting of identity-theft-related items, despite notice of fraud, an FTC identity theft report , and law enforcement documentation ( 605B ).

Failed to update or purge inaccurate personal information such as addresses, name variations, and employment history linked to fraudulent accounts.

Specific Issues Identified Cross-bureau inconsistencies : Accounts report different open dates, balances, payment statuses, and comments across Experian, Equifax, and TransUnion, making it impossible for the data to all be true.

Improper reinsertion : Deleted accounts have reappeared on reports without any notice or proof of certification.

Identity theft/data breach exposure : My personal information has been compromised in a data breach and appears on the dark web, yet CRAs continue to report items that can not be verified to belong to me.

Late payment reporting errors : Several accounts display contradictory histories ( e.g., OK payment history while also coded as charge-off or showing late markers without full payment strings ).

Failure to update personal information : Old addresses and identifiers tied to fraudulent accounts remain on file, increasing risk of mixed files. 

Impact These violations have : Lowered my credit scores. 

Denied me fair access to credit opportunities. 

Caused ongoing emotional distress and time lost correcting repeated errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Sher & Shabsin PC
State: IL

Complaint narrative:
I received a letter from this law firm call XXXX XXXX XXXX located in XXXX XXXX XXXX On the behave of this company called XXXX XXXX XXXX. 
For a debt over XXXX years old. Honestly I dont even remember getting this loan. 
I did called the number but I was told I will get sued. Im waiting on information from the law firm about the debt. 
Then within XXXX days they sent someone to address of a family member to serve me papers before I do my research. 
To who it may concern if this was my debt I never received any invoice or statement until XXXX years later Also I have a relative with the same name

Company response to consumer: Closed with explanation