vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
I owed a balance to TD credit services. They sold it after requesting a payment that I could not afford. 
My account was given to a creditor who returned 2 payments this spring advising my account was taken back by TD. Today my estranged daughter emailed me about a concerning email showing my debt amount and wanting payment. I am sick over this as it has now included family and extended family. I am utterly humiliated and I am beyond stressed at this point. Please advise. My daughter Can not receive Any more of my personal information in Any way! My mailing address is on the top of the email! I have had zero correspondence via mail! My privacy in a very delicate familial situation has been violated and at this point I can not rectify the damage this email caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Rest to Block and Delete Fraudulent Accounts  Identity Theft VictimXXXXDear Experian Consumer Services,XXXXI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Experian data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent inquiries that I have identified on my credit report are as followsXXXX 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 XXXXUnder 15 U.S.C.  1681c-2(a), I request that Experian promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profileXXXXFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activityXXXX 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 2025-08-15 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax Information Services, LLC                                                                                                                                       XXXX XXXX XXXX XXXX XXXXRe: Credit Corp SolutionsXXXX XXXXSubject: Final Demand for Immediate Deletion of Inaccurate Accounts  FCRA Violations & CFPB Complaints FiledXXXXTo Whom It May Concern,XXXXThis is my final and formal demand for the immediate deletion of all accounts and entries you are reporting inaccurately on my credit file. The continued reporting of false, unverified, and damaging information is a direct and willful violation of the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seqXXXXI have already filed formal complaints with the Consumer Financial Protection Bureau (CFPB) against your agency for these violations. These complaints will be included as part of my record in any legal proceedings against youXXXXUnder 15 U.S.C.  1681i(a), you are required to conduct a reasonable reinvestigation of disputed items within 30 days. If you cannot provide full, documented proof from the original creditor that the accounts are 100% accurate, you are legally obligated to delete them immediatelynot update, not correct, but delete.XXXXYour obligations under 15 U.S.C.  1681e(b) to ensure maximum possible accuracy are non-negotiable. Continuing to publish false or unverifiable data constitutes willful noncompliance under 15 U.S.C.  1681n and negligent noncompliance under 15 U.S.C.  1681o, both of which carry statutory damages, attorneys fees, and court costs.XXXXThis letter is not a requestit is a demandXXXXtRemove all accounts you are reporting inaccurately from my credit file immediatelyXXXXProvide me with written confirmation of each deletionXXXXCease all future reporting of any unverifiable or inaccurate data.XXXXFailure to comply in full within the FCRAs mandated timelines will result in immediate escalation, including legal action in federal court for every individual violation, in addition to my already pending CFPB complaints.XXXXThis correspondence is being sent via Certified Mail  Return Receipt Requested to establish the date of your receipt and to hold you accountable to the federal deadlines.XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: CA

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within XXXX business days. 

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

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 2025-08-14 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: CA

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within XXXX business days. 

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

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 2025-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
My credit report contains collection accounts that I believe have inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate credit report. I request a review of these accounts, and if they can not be verified as accurate, they must be 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 non-monetary relief
Consumer complaint received 2025-08-15 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: NC

Complaint narrative:
I am a victim of identity theft as defined under 15 U.S.C. 1681a ( q ). My personal information was fraudulently used to open and/or report accounts and inquiries that I did not authorize. I have provided the credit reporting agencies and furnishers with : A signed Affidavit of Identity Theft A valid FTC Identity Theft Report Proof of identity and address Despite this, the credit bureaus and furnishers have failed to block and delete the fraudulent items within 4 business days, as required under FCRA 1681c-2. They have also continued to publish and share my personal information without consent, which violates federal law.

Violations Alleged : FCRA 1681c-2 Failure to block identity theft-related information FCRA 1681e ( b ) Failure to maintain maximum possible accuracy FCRA 1681s-2 ( a ) Furnishing information with knowledge of inaccuracy GLBA 6802 Unauthorized sharing of personal financial information 15 U.S.C. 45 ( a ) Unfair and deceptive practices 5 U.S.C. 552a ( b ) Privacy Act violations

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 2025-08-15 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: NC

Complaint narrative:
I am a victim of identity theft as defined under 15 U.S.C. 1681a ( q ). My personal information was fraudulently used to open and/or report accounts and inquiries that I did not authorize. I have provided the credit reporting agencies and furnishers with : A signed Affidavit of Identity Theft A valid FTC Identity Theft Report Proof of identity and address Despite this, the credit bureaus and furnishers have failed to block and delete the fraudulent items within 4 business days, as required under FCRA 1681c-2. They have also continued to publish and share my personal information without consent, which violates federal law.

Violations Alleged : FCRA 1681c-2 Failure to block identity theft-related information FCRA 1681e ( b ) Failure to maintain maximum possible accuracy FCRA 1681s-2 ( a ) Furnishing information with knowledge of inaccuracy GLBA 6802 Unauthorized sharing of personal financial information 15 U.S.C. 45 ( a ) Unfair and deceptive practices 5 U.S.C. 552a ( b ) Privacy Act violations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: NV

Complaint narrative:
US Bank disabled my account without my permission US bank took away my debit card without my permission US Bank forced me to open a new account then US Bank didn't close the account that they claimed fraud occured on. The account is flagged for fraud US Bank credit me on a couple of disputes and then they took the money away the money is FDIC insured US Bank had no right to reverse the original decision US Bank also took {$500.00} from my brother who accidentally sent XXXX payment and they refuse to refund it US Bank is committing fraud and stealing money from my bank account. This is a warning if they do not correct what they did I am going to go after each Bank employee and make sure that I cause damage to them the way they have caused damage to me this isn't a joke this is my life. US Bank has refused to let me use the mobile app with my new account I can not get all my transactions by calling the telephone number this is illegal. One more time if they do not correct this problem immediately and stop lying and saying they're working on it when they are not I'm going to go after each employee I don't give a XXXX what they say if they break the law then I'm going to do the same to them and kind.

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 2025-08-15 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:
Certain accounts appearing in my credit history are fraudulent in nature. I request an investigation into these accounts and their subsequent deletion. Documentation is provided for your review.

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 2025-08-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am submitting this rebuttal in response to XXXX XXXX XXXX recent claim regarding my dispute. XXXX  XXXX alleges that I personally executed the electronic contract for the vehicle in question via my cell phone, using the IP address XXXX 
However, the attached XXXX IP Address Evidence PDF proves that both my alleged signature and the dealership XXXX  XXXX XXXX signature originated from the exact same IP address : XXXX. 
This fact is critical for the following reasons : Same IP= Same Device/XXXX  XXXX Certificate of Completion logs the device network location at the exact moment of signing. 
Two different parties signing from the exact same IP address means both signatures were executed from the same internet connection typically the same physical location. 
Contradiction to XXXX XXXX Statement If XXXX XXXX claim were true, XXXX XXXX XXXX would have had to use my personal cell phone to sign their own signature, which is illogical and implausible. 
The more reasonable explanation is that XXXX XXXX XXXX signed both my name and theirs from their own network, without my consent or knowledge. 
Evidence of Forgery and Identity Theft Under the E-SIGN Act and FCRA 605B, this constitutes unauthorized use of my identity and electronic signature.

Such activity mandates the removal of any associated tradeline from my credit report and a full investigation into the dealerships conduct. 
Requested Action : Require XXXX XXXX XXXX to immediately delete this tradeline from all credit reporting agencies. 
Acknowledge that the provided IP evidence directly contradicts their earlier claim. 
Forward this evidence to appropriate enforcement bodies for investigation into potential forgery and identity theft.

Attached : XXXX IP Address Evidence PDF ( showing identical XXXX for both signatures ) XXXX Certificate of Completion ( full version ) Copy of disputed contract with computer-generated signature ( Also you will notice that my alleged signed signature as well as XXXX XXXX has the exact same XXXX which further proves Fraud ) Proof of my correct signature for comparison ( Drivers License ) I respectfully request that the CFPB give this new evidence full consideration and act to protect my 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 explanation
Consumer complaint received 2025-08-14 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-08-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: MIDFIRST BANK
State: TN

Complaint narrative:
I am filing this complaint against XXXX XXXX  for inaccurate reporting of a late payment on my XXXX  credit report dated XX/XX/XXXX. 
Under the CARES Act ( Section 4021 ), if an account was in good standing before a XXXX hardship accommodation, the servicer is required to continue reporting it as current during the accommodation period. The laws protections were applicable, and my account should not have been reported as late during this time frame. 
On XX/XX/XXXX, I mailed a formal dispute letter to XXXX XXXX  requesting validation of the alleged late payment and correction of the inaccurate reporting. They have not taken the necessary steps to validate the account or update my credit file in compliance with the law. 
This inaccurate late payment entry is negatively impacting my creditworthiness, financial opportunities, and overall credit profile.

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 2025-08-14 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: CA

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days.

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation