vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Subject : Demand for Reinvestigation of Inaccurate Information on My Credit Report Dear Sir/Madam, I am writing to formally demand the reinvestigation of specific items on my credit report in accordance with 15 U.S.C. 1681i ( 7 ) of the Fair Credit Reporting Act ( FCRA ). I have reviewed my credit report and identified discrepancies that require your immediate attention. 

Per the FCRA, you are required to complete a reinvestigation of disputed information within 30 days of receipt of this letter and either correct the inaccuracies or provide a statement that the information is accurate. Your failure to comply with the statutory requirements exposes you to potential legal consequences. 

The items I am disputing are as follows : XXXX XXXXXXXX : Late payments reporting are incorrect I request that you reinvestigate these items and provide written confirmation of the results, including copies of any supporting documentation or evidence you used in your investigation. I also request that you remove or correct any erroneous information that is not verified or is found to be inaccurate. 

Please be advised that under 15 U.S.C. 1681i, you are obligated to perform a reasonable reinvestigation, which includes notifying the data furnisher ( s ) of the dispute and ensuring that any inaccuracies are resolved. I expect prompt action to rectify these discrepancies and will take further legal action if necessary to ensure compliance with my rights under the FCRA. 

Thank you for your immediate attention to this matter. I expect a resolution within the legally required timeframe. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX Last four of my social is 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 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/year>, I received a XXXX message from someone impersonating my father. His XXXX account had been compromised by a scammer, and the messages appeared completely legitimate. Since I regularly help my father with XXXX XXXX, I believed it was truly him and sent {$1400.00} via XXXX to the recipient at XXXX After realizing it was a scam, I contacted TD Bank to report the issue. In my initial panic and confusion, I mistakenly told the bank that the transaction was unauthorized, not fully understanding that the investigation was focused on whether I had physically authorized the transaction on my device rather than on the scammer who misled me. 

I later tried to clarify with TD Bank that I had sent the money myself, but only because I was tricked by someone impersonating my father a clear case of impersonation and social engineering. 

TD Bank denied my claim, stating that XXXX XXXX and a matching IP address were used to complete the transfer, and closed the investigation .. XXXX representative I spoke with was also hostile and dismissive, and I was not provided with clear guidance or support throughout the process. 

I am now requesting that this case be fairly reviewed in light of the full, accurate circumstances. This was not an attempt to mislead or defraud the bank it was a scam where I was manipulated into sending money under false pretenses. I have documentation of the XXXX messages showing the impersonation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: AL

Complaint narrative:
I am filing this complaint because Equifax is continuing to report inaccurate, unverifiable, and identity-theft-related information despite my prior dispute and a filed FTC Identity Theft Report. 

On XX/XX/year>, I submitted a formal dispute demanding reinvestigation and deletion of unauthorized inquiries, incorrect personal identifiers, and multiple accounts containing inconsistent, duplicate, or unverifiable data across all three bureaus. Equifax failed to correct or block these items as required by the Fair Credit Reporting Act ( FCRA ). 

Attached to this complaint is my formal FCRA & Arbitration Deletion Demand Packet sent to Equifax, which includes : Verified personal information update List of unauthorized inquiries ( violating 604 and 607 ( b ) ) List of inaccurate, charge-off, and mismatched accounts ( violating 607 ( b ), 611 ( a ), 623 ( a ) ( 1 ) ( A ) ) FTC Identity Theft Report confirming I am a victim of identity theft Proof of address and ID Equifaxs continued reporting and failure to block or delete this information constitutes violations of : 605B ( 15 U.S.C. 1681c-2 ) Failure to block identity-theft information within 4 business days 611 ( 15 U.S.C. 1681i ) Failure to reinvestigate disputed information within 30 days 607 ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 623 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate Many of the furnishers ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) have arbitration clauses which I have formally invoked. Equifaxs refusal to remove this information after notice violates both federal law and contractual arbitration rights. 

I am demanding immediate deletion of : All unauthorized hard inquiries All unverifiable, inaccurate, or inconsistent negative accounts All outdated or incorrect personal identifiers This is a final notice before arbitration or civil action. Please escalate this complaint directly to Equifaxs executive-level compliance department for urgent deletion and confirmation of compliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: AL

Complaint narrative:
I am filing this complaint because Equifax is continuing to report inaccurate, unverifiable, and identity-theft-related information despite my prior dispute and a filed FTC Identity Theft Report. 

On XX/XX/year>, I submitted a formal dispute demanding reinvestigation and deletion of unauthorized inquiries, incorrect personal identifiers, and multiple accounts containing inconsistent, duplicate, or unverifiable data across all three bureaus. Equifax failed to correct or block these items as required by the Fair Credit Reporting Act ( FCRA ). 

Attached to this complaint is my formal FCRA & Arbitration Deletion Demand Packet sent to Equifax, which includes : Verified personal information update List of unauthorized inquiries ( violating 604 and 607 ( b ) ) List of inaccurate, charge-off, and mismatched accounts ( violating 607 ( b ), 611 ( a ), 623 ( a ) ( 1 ) ( A ) ) FTC Identity Theft Report confirming I am a victim of identity theft Proof of address and ID Equifaxs continued reporting and failure to block or delete this information constitutes violations of : 605B ( 15 U.S.C. 1681c-2 ) Failure to block identity-theft information within 4 business days 611 ( 15 U.S.C. 1681i ) Failure to reinvestigate disputed information within 30 days 607 ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 623 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate Many of the furnishers ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) have arbitration clauses which I have formally invoked. Equifaxs refusal to remove this information after notice violates both federal law and contractual arbitration rights. 

I am demanding immediate deletion of : All unauthorized hard inquiries All unverifiable, inaccurate, or inconsistent negative accounts All outdated or incorrect personal identifiers This is a final notice before arbitration or civil action. Please escalate this complaint directly to Equifaxs executive-level compliance department for urgent deletion and confirmation of compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: CA

Complaint narrative:
I am disputing late payments reported on my XXXX student loan account. These delinquencies were the result of servicer errors during XXXX transition to XXXX, not borrower neglect. 

Prior to the transition, I was enrolled in auto-pay. When the website changed in XX/XX/XXXX, my auto-pay enrollment did not carry over, and I was not informed that I needed to re-enroll. Logging in was also difficult, as XXXX redirected incorrectly and instructions were unclear. Resulting in technical errors. As a result, I could not confirm or manage my account for months. 

Believing I was still covered by auto-pay ( and unclear about the exact end date of federal forbearance due to lack of proper communications ), I was not aware payments were failing. After multiple attempts and customer support calls, I finally regained access, I made payments on XX/XX/XXXX and XX/XX/XXXX, and ultimately paid off the full {$22000.00} balance on XX/XX/XXXX to prevent further risk of delinquency and XXXX technical errors. 

Because XXXX failed to carry over my auto-pay authorization, did not provide clear notice of the need to re-enroll, and failed to provide clear access and communication during the site transition and forbearance restart, the reporting of late payments is inaccurate and unfair under the Fair Credit Reporting Act.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to demand the immediate removal of a fraud alert/security flag that is currently attached to my credit file and which is preventing me from obtaining credit. This fraud alert is causing clear, demonstrable harm : lenders are denying my applications and I am unable to access legitimate credit and financial services. 

I did not authorize any party to maintain this alert on my file, or the alert placed is no longer necessary and must be removed. Under the Fair Credit Reporting Act and reasonable consumer-protection practices, you must remove or correct inaccurate, outdated, or unwarranted information linked to my credit report. 

Please remove the fraud alert from my credit file immediately and confirm in writing ( by mail and by email to the address above ) that the alert has been removed. I request written confirmation within XXXX business days of your receipt of this letter. Also please notify any and all creditors and third parties who were provided the fraud alert that it has been removed.

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 2025-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
According to my credit report, this account was opened on XXXX XXXX XXXX with a reported balance of {$2000.00} and a payment status of Collection/Charge-off, last reported on XXXX XXXX XXXX. This reporting is inconsistent and potentially unlawful for the following reasons : 1. 2. 3. 4. Violation of 15 U.S.C. 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. Reporting an account as both charged off and active collection within months of its opening date is contradictory and can not be accurate.

Violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Data furnishers are prohibited from reporting information they know or should know is inaccurate. This account reflects activity that is inconsistent with the alleged open and reporting dates, suggesting unverifiable data.

Violation of 15 U.S.C. 1692e ( 2 ) ( A ) The FDCPA forbids any false or misleading representation regarding the character, amount, or legal status of a debt. If XXXX XXXX purchased this account, the original creditor must have ceased reporting. 
Otherwise, this dual reporting constitutes a misleading and deceptive practice. 
Violation of 15 U.S.C. 1681b ( a ) ( 2 ) Credit reporting agencies and furnishers must have a permissible purpose to access or furnish consumer report information. If this debt has been sold or transferred, the current furnisher must provide proof of ownership and a valid assignment of the alleged debt to continue reporting 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 2025-10-07 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 

Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
Thave reason to believe that my personal information may have been compromised as a result of the recent XXXX data breach. This is very concerning under the Fair Credit Reporting Act, because it shows a failure to maintain reasonable procedures to ensure the accuracy and confidentiality of consumer data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Subject : Demand for Reinvestigation of Inaccurate Information on My Credit Report Dear Sir/Madam, I am writing to formally demand the reinvestigation of specific items on my credit report in accordance with 15 U.S.C. 1681i ( 7 ) of the Fair Credit Reporting Act ( FCRA ). I have reviewed my credit report and identified discrepancies that require your immediate attention. 

Per the FCRA, you are required to complete a reinvestigation of disputed information within 30 days of receipt of this letter and either correct the inaccuracies or provide a statement that the information is accurate. Your failure to comply with the statutory requirements exposes you to potential legal consequences. 

The items I am disputing are as follows : XXXX XXXXXXXX : Late payments reporting are incorrect I request that you reinvestigate these items and provide written confirmation of the results, including copies of any supporting documentation or evidence you used in your investigation. I also request that you remove or correct any erroneous information that is not verified or is found to be inaccurate. 

Please be advised that under 15 U.S.C. 1681i, you are obligated to perform a reasonable reinvestigation, which includes notifying the data furnisher ( s ) of the dispute and ensuring that any inaccuracies are resolved. I expect prompt action to rectify these discrepancies and will take further legal action if necessary to ensure compliance with my rights under the FCRA. 

Thank you for your immediate attention to this matter. I expect a resolution within the legally required timeframe. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX Last four of my social is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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 filing a complaint against Experian for their failure to properly investigate and remove fraudulent information from my credit report in violation of the Fair Credit Reporting Act ( FCRA ). 

A XXXX XXXX account appearing on my Experian credit report was fraudulently opened in my name as a result of identity theft. I have never applied for, opened, or authorized any account with XXXX XXXX, and I submitted documentation to Experian clearly proving that the account is fraudulent. This included my FTC Identity Theft Report, proof of identity, and supporting documents showing my true residence and identity. 

Despite providing all required evidence, Experian has failed to block or delete the fraudulent XXXX XXXX account from my credit report. Their refusal to take corrective action violates FCRA Section 605B, which requires credit reporting agencies to block fraudulent information within four ( 4 ) business days after receiving an identity theft report and proof of identity.

In addition, Experian is reporting false address information on my credit file. My correct and only current address is : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

However, Experians records list a completely unrelated address XXXX XXXX XXXX XXXX, along with variations such as Apartment XXXX and Apartment XXXX. 
I have never lived at XXXX XXXX XXXX XXXX, nor have I ever been associated with that address in any way. This is an inaccurate and misleading entry that violates FCRA 607 ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy of the information they maintain and report.

This false address may be linked to the fraudulent XXXX XXXX account, further demonstrating that the information on my file has been compromised and mixed with another individuals data. 

When I contacted Experian customer service to correct these errors and remove the fraudulent account, the agents I spoke with were unhelpful, dismissive, and provided conflicting or incorrect information regarding my dispute. The representative I spoke with stated " Yes, I see that you have submitted FTC report for this account and address in the past. I will reattach it to the new dispute '' Experian has failed to take my identity theft report seriously and has not complied with its obligations under federal law. 

As a result, Experians mishandling of my dispute and continued reporting of false information have caused significant damage to my credit reputation, unnecessary stress, and ongoing financial harm. 

These failures have caused ongoing harm to my credit profile, financial opportunities, and personal peace of mind.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: AR

Complaint narrative:
I am disputing the way XXXX XXXX is reporting a charge-off on my credit report because they failed to provide me with the legally required notices before furnishing derogatory information. Under the Fair Credit Reporting Act, they were required to send me both a Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ) and an Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ), yet I never received either one. The account, XXXX XXXX, with account # XXXXXXXX XXXX XXXX XXXX XXXX  reported positively for a period of time, but after delinquency it was charged off and derogatory data began appearing on my consumer report without the legally mandated warnings. The absence of a Negative Information Notice denied me the chance to address the debt before damage occurred, and the absence of an Adverse Action Notice denied me my right to review, obtain, and dispute my credit report. These failures violate the FCRA and render the charge-off reporting unlawful.

Company response to consumer: Closed with explanation