vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-07-24 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: CT

Complaint narrative:
I am submitting this letter to formally request the removal of an incorrect late payment listed on my credit report. I am confident this entry is not reflective of my actual payment behavior, which has been timely and responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint because my credit file contains multiple errors and fraudulent items that I have previously disputed, but they remain unresolved. 

I am a victim of identity theft, which occurred in XXXX and again in XXXX. In XXXX, I was also a victim of a violent robbery where my identification and sensitive documents were stolen. Following that event, fraudulent accounts and unauthorized inquiries began appearing on my credit report. 

Despite providing an FTC Identity Theft Report, proof of identity, and supporting documents, the following items are still being reported on my Experian credit report : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These errors have negatively affected my credit score, caused unnecessary stress, and impacted my ability to obtain housing and financing. I have followed the FCRA dispute process multiple times without resolution. Under FCRA 605B and 611, I am entitled to have inaccurate and fraudulent information blocked and removed after providing proper documentation.

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 2025-07-24 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:
Fraudulent accounts on mycreditreport. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
While reviewing my credit report todayas I routinely doI discovered several discrepancies that seemed to appear out of nowhere. I refreshed my browser hoping it was an error, but the inaccurate accounts remained. Due to this, I am asking for a detailed review of the documents I submitted to help resolve the issue for good.

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 2025-07-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I am a XXXX XXXX  who XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX weeks ahead of schedule. I unexpectedly had to stop working sooner than planned and without enough savings. Since then, I have faced extreme financial hardship. 
I have been experiencing unauthorized overdraft charges on my TD Bank account for several months, especially since XXXX when I stopped working. Despite contacting the bank multiple timesboth by phone ( when I had XXXX ) and through secure messagesI have repeatedly told them to stop allowing any transactions to go through when my account has insufficient funds. Yet, they continue to approve transactions and charge me overdraft fees multiple times within the same month, causing severe financial hardship. 

I never signed up for any overdraft service. I opened my account online and never went to a branch in person, so any claims that I agreed to overdraft coverage are false and misleading. The banks persistent actions are equivalent to bait-and-switch tactics and gaslighting, which is unacceptable. 

I have no support system or babysitter, so I can not get a job or leave my newborn alone. My car does not start because of a broken battery, and I can not afford to fix it due to my financial situation caused by TD Banks actions. I also can not afford gas, phone service, or transportation such as bus or XXXX to visit a branch in person. There is no bank nearby. 

Despite my repeated requests, TD Bank continues to allow overdraft transactions on my account without my authorization, draining what little money I have and charging me excessive fees. I never signed up for overdraft coverage. I've been contacting them since XXXX, and they've charged me OVER {$250.00} in fees alone! 

Because of these unauthorized charges, my account is consistently negative. I can not afford essentials like food, my babys medications, my babys new solid foods, car repairs, or phone service to manage my finances properly. I have been forced to rely on food banks to feed myself and my baby. 

I demand a full refund of all unauthorized overdraft fees and that the bank immediately stop allowing any overdraft transactions that would cause overdrafts on my account. I want confirmation that my directive to deny overdrafts is enforced. 

Please investigate this matter fully. TD Banks conduct is predatory, unethical and has caused severe hardship. I seek relief through your office. 

They've charged overdraft charges within days time!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
These requests appear to be unauthorized and unexpected. Please investigate promptly and check the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: NJ

Complaint narrative:
I am not the owner of these accounts and request they be expunged from my record in accordance with USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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:
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 XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$2700.00} UNAUTHORIZED INQUIRIES : XXXX  XXXX  XXXX 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 explanation
Consumer complaint received 2025-07-24 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: PA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place, I also have no knowledge of any suspects. I did not consent to, authorize nor benefit from any of the following accounts. I also did not receive any money, goods, or services as a result of identity theft. Please investigate and remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the XXXX  data breaches or Identity theft.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute an inaccurate account currently appearing on my credit report : Creditor Name : XXXX ( XXXX ) Status : Charged-Off Balance : {$0.00} Date Added Back : XX/XX/XXXX This account had previously been deleted from all three credit bureaus after a successful dispute and a written confirmation from XXXX XXXX XXXX XXXX who had purchased the debt. That letter stated the account was closed, and I had no further obligation or liability. 

However, it was reinserted in XX/XX/XXXX by XXXX, without my authorization or notification. I was not provided with the required notice within five business days, which is a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ) ( ii ).

Additionally, this account is reporting under an outdated address I havent lived at since XXXX, which is not tied to my current credit file or legal identity. I believe the use of this incorrect address contributed to the inaccurate verification and reinsertion of this debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: IL

Complaint narrative:
Fraudulent inquiries on mycreditreport : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/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 2025-07-24 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:
I take issue with this late payment, as Ive never been late beforeplease review and amend it.

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 2025-07-24 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:
I did not open these accounts and request their removal from my credit report within 15 days under USC 1681g.

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 2025-07-24 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:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

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 2025-07-24 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:
There is a fraudulent and unauthorized account currently showing on my credit file. I am not responsible for this account and did not consent to its creation.

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 2025-07-24 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:
This letter serves as a formal dispute of a late payment entry that has been inaccurately recorded on my credit report. I have maintained a consistent pattern of timely payments, and this entry appears to be an error.

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 2025-07-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Thanks for clarifying! Here 's the corrected complaint letter including the detail that * * the forged signature was on the summons * * ( not the postal letter ), with all the other details : -- - I am filing this complaint regarding abusive debt collection practices by Pressler Felt and Warshaw, which I believe constitute elder abuse.

The court summons related to this debt contained a * * forged signature by a postal worker * *, as confirmed by a police investigation where the postal worker admitted to fraudulently signing the summons. 

Additionally, I received a letter from the debt collector * * postmarked XX/XX/scrub> 2025, but I did not receive it until XX/XX/scrub> 2025 * *, effectively denying me fair notice and reducing the time to respond. 

Despite repeated requests, the debt collector has * * failed to provide an itemized bill or any proper validation of the alleged debt * *, violating the Fair Debt Collection Practices Act ( FDCPA ). 

The combination of forged legal documents, backdated communication, and refusal to validate the debt has caused me significant XXXX  and hardship, especially given my status as an older adult. 

Further, the animal hospital withheld my deceased dog until I paid the disputed amount, which is unlawful. Law enforcement had to intervene to help me retrieve my dog and confirmed that I had every right to request an itemized bill before making any payment. 

I respectfully request the CFPB investigate these practices, enforce applicable laws, and protect me and others from such abusive and predatory debt collection tactics. 

Attached are copies of the summons, correspondence, police report, and other relevant documentation. I can provide more if requested Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, around XXXX XXXX, we received a text message from Wells Fargo asking us to confirm a credit card payment of {$17000.00} from our account. By the time we woke up in the morning, we checked our account and the money was taken immediately without our authorization This account is a savings account, and its number wasn't shared with anyone. Nevertheless, money was taken from our account. 

Wells Fargo is very slow in responding, and so far ( XX/XX/XXXX XXXX ), the money has not been returned. The bank is very unresponsive, and nothing has happened yet. 

Note : The Bank is Wells Fargo The account is protected with all the cyber protection options the bank offers, including text confirmation and two-way authentication.

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 2025-07-24 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 respectfully submit this request to dispute and correct a late payment that appears in error on my credit report. As someone who places high value on financial responsibility, I was surprised to see this inaccurate information reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: WI

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 # XXXX XX/XX/year> -- {$580.00}

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 2025-07-24 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:
I am a verified victim of identity theft and mass data breaches, including the XXXX XXXX  breach ( XXXX  # XXXX ), XXXX XXXX XXXX  breach ( XXXX ), XXXX breaches, and XXXX breaches involving XXXX, XXXX, XXXX, and XXXX. As a result, my personally identifiable information ( PII ) was compromised, including my SSN, date of birth, address, and email, which are now being used to report inaccurate tradelines. 

I submitted a lawful dispute package to Experian in XXXX and again in XX/XX/XXXX, pursuant to 15 U.S.C. 1681i ( a ) and 1681s2 ( b ), requesting reinvestigation and deletion of several unverifiable accounts. These include accounts from XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I specifically requested proof of ownership, creditor standing, signed contracts, and IRS Form 1099-C/K-1 documentation . None was provided.

Experian failed to respond with adequate proof and continued publishing data belonging to compromised files, violating FCRA sections 1681i, 1681c2, and 1681s2. Their responses included only billing summaries or auto-generated letters. This is insufficient under law and causes continued harm.

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 2025-07-24 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:
Upon reviewing my credit report, I found an account that I did not authorize or open. This entry appears to be fraudulent and does not reflect any action taken 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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint due to inaccurate and misleading information being reported on my credit report by [ Name of Loan Servicer ] and the credit reporting agencies. 

My student loans are currently in deferment, yet they are being reported as late/delinquent, which is factually incorrect and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ) 623 [ 15 U.S.C. 1681s-2 ], furnishers of information are legally required to provide accurate and up-to-date information. Reporting deferred loans as late is a clear violation of this law.

I have disputed this with the credit bureaus, but the inaccurate information remains. Under FCRA 611 [ 15 U.S.C. 1681i ], I have a right to a reasonable investigation and correction of errors. This has not occurred.

I am also aware that the credit bureaus are currently facing lawsuits and regulatory scrutiny for their ongoing failure to correct and prevent the reporting of inaccurate informationindicating a systemic issue that impacts many consumers. 

I am requesting that the CFPB investigate this matter, ensure that my credit reports are corrected immediately, and that the responsible parties are held accountable for noncompliance with federal law.

Company response to consumer: Closed with explanation