vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX XXXX XXXX Target/TD Bank Account XXXX XXXX in XXXX ) To Whom It May Concern : I am formally disputing the reporting of the Target/TD Bank account ending XXXX XXXX that appears on my credit report. 

This account was settled in court, and the agreed-upon settlement amount has been paid in full. Despite this, Target/TD Bank continues to report the account as having missed payments and an outstanding balance, both of which are inaccurate and misleading.

Additionally, the account is being reported with inconsistent dates of first delinquency and differing balances across the credit bureaus, a direct violation of the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which mandates credit reporting agencies to maintain maximum possible accuracy.

Under FCRA Section 611 ( a ), I am exercising my right to request verification of this account. If the creditor can not verify the accuracy of this informationparticularly the updated settlement status and balancethen per 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), the unverifiable information must be deleted from my credit report.

I am requesting that you : Reinvestigate this account with the data furnisher ( Target/TD Bank ).

Provide me with the method of verification and any documentation used to verify the accounts accuracy.

Delete this account entirely if it can not be verified as accurate and consistent across all three bureaus.

Failure to correct or remove inaccurate and damaging information within the timeframe allowed by law ( generally 30 days ) may result in me pursuing legal action under the FCRA to protect my rights.

Please confirm in writing the results of your reinvestigation. 

Sincerely, XXXX XXXX XXXX Date of Birth : XX/XX/year> Last XXXX of XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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:
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 2025-09-16 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: FL

Complaint narrative:
I am disputing multiple fraudulent accounts on my credit report that I did not open, authorize, or manage. Their presence constitutes a serious inaccuracy under the Fair Credit Reporting Act ( 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 non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing several collection accounts being reported by XXXX XXXX XXXX ( MCM ) on my credit report. The accounts are listed as follows : Original Creditor : XXXX XXXX Balance : {$4300.00} ( Updated XX/XX/year> ) Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1100.00} ( Updated XX/XX/year> ) Original Creditor : XXXX XXXX Balance : {$2600.00} ( Updated XX/XX/year> ) Original Creditor : XXXX XXXX XXXX  Balance : {$2600.00} ( Updated XX/XX/year> ) I have never signed a contract or agreement with XXXX XXXX XXXX. They are a third-party debt buyer with no original relationship to me. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I requested validation, including the original agreements, itemized statements, and legal proof of assignment. 

XXXX has failed to provide this validation, yet continues to report these accounts to the credit reporting agencies. Reporting unverifiable and unvalidated information violates : FDCPA ( 15 U.S.C. 1692g ( b ) ) Continuing collection activity without validating the debt.

FCRA ( 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 5 ) ( A ) ) Reporting information that is not accurate or verifiable, and failing to delete unverified items after a dispute. 

This has caused me direct harm, including lower credit scores, denials of credit, and financial/emotional stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
I was contacted by a company called XXXX that I owed HSBC bank {$4000.00} XXXX told them to send me all evidence by mail not call me anymore only mail communication. The person hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-16 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$2300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I received a letter from Midland Credit Management ( MCM ) claiming ownership of a XXXX  XXXX account that was allegedly sold to them on XX/XX/year>, with a reported balance of {$1200.00}. 

Following this, I began corresponding directly with MCM and formally requested the following under the Fair Debt Collection Practices Act ( FDCPA ) 1692g : Proof of ownership of the account Complete chain of title An itemized breakdown of the alleged debt A proper debt validation notice Despite these requests, XXXX has failed to provide any of the requested documentation. 

I have never had any relationship with Midland Credit Management, nor have I ever opened any account with them. If this account is being reported to credit bureaus, it is being done without proper verification in violation of the Fair Credit Reporting Act ( FCRA ) 1681i. 

These actions constitute unfair and deceptive collection practices under UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) .Because of that, I am filing this complaint with the CFPB because it is unjust for an unverified account to negatively impact my credit report. 

I respectfully demand that this account be immediately removed from all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Chime Financial Inc
State: MI

Complaint narrative:
harmed by delayed refunds after closing an account,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: TN

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, CHALLENGED OR NOT.

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 2025-09-16 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I dispute the XXXX XXXX XXXX collection. XXXX has failed to provide proof of ownership or original creditor documentation violating FCRA 623 ( a ) ( 3 ). Per 611 ( a ) and 1681i ( a ) ( 5 ) ( A ), unverifiable collections must be deleted from, XXXX XXXX XXXX XXXX. The amount of the debt is {$1700.00}. I received a statement from them but nothing showing I signed a contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: AZ

Complaint narrative:
I am formally disputing the fraudulent hard inquiries that appear on my credit report. I did not apply for credit with these companies, nor did I authorize them to access my credit file. These inquiries were made without my consent and are the direct result of fraud and/or identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), only inquiries that I have expressly authorized are permitted to remain on my credit report. Since I never granted permission, these inquiries are unauthorized and unlawful. I am demanding their immediate and permanent removal from my credit reports across all three bureaus.

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 2025-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
I requested information regarding how to close my account since a fraudulent sum of " - {$12.00} '' is indicated as a fraudulent sum that I " owe '' ( " - {$12.00} '' ) even though I do not owe any amount to this app. This account is with " CashApp ''. 

I requested this information today, XX/XX/year>, in between about XXXX XXXX  XXXX and XXXX XXXX  XXXX, with the CashApp " 24/7 Chat '' service that is embedded within the CashApp application. 

The chat responses indicated, something to the effect of : ' I am sorry that you are frustrated, but to close your account, you need to resolve any " unpaid '' balance on your account '. I responded with the information and the indication that the amount showing on my CashApp application ( " - {$12.00} '' ) is fraudulent, however, the CashApp " 24/7 Chat '' responded with the same and with the/a similar scam/spam response, something to the effect of : ' I am sorry that you are frustrated, but to close your account, you need to resolve any " unpaid '' balance on your account '.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I attached a copy of the Complaint that was mailed to the Magistrate  today via USPS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: CITIBANK, N.A.
State: GA

Complaint narrative:
My wallet and purse was stolen will I was visiting XXXX, Illinois. I was alerted that my credit card transaction was approved. I called the credit card companies to notify them of the fraudulent activities. The credit card companies have not removed the fraudulent activities off my credit reports. I have submitted police reports. I have notified the credit bureaus that I have filed a identity theft report with the FTC to have the fraud removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
For the past two weeks I have been receiving non stop phone calls from Commenity Bank re : my XXXX XXXX card that I have not used since XXXX. I had enlisted Freedom Debt Relief ( XXXX XXXX XXXX ) back in XXXX of this year to handle my debts and Commenity Bank was one of them. Prior to that they were doing the same thing calling me day and night, I had an encounter with the same XXXX XXXX back then. He was very rude and disgusting talking down to me and threatening me. The calls had stopped but two weeks ago they started back I would not answer cause I knew XXXX was taking care of it but when they kept calling I decided to pick up today to find out why. The same XXXX XXXX answered calling me by my first name. I stated that I was XXXX XXXX and he insisted on using my first name. Then I asked him why he was calling me and he said I owed {$600.00} which I asked how could I when I havent used the card since XXXX  he stated I had a previous balance ( which I dont understand ) but I told him that my lawyers would be in touch and he told me they better and said that I need pay attention to my credit report and that I'd better do it soon because he was going to ruin my credit and hung up. He was very disgusting and didnt have to talk to me that way because I am never rude or do I raise my voice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-09-16 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: MS

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief