vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Please explain to me why this once again is closed out. I still do not have my funds. 
They still have not XXXX provided any explanation why they felt this was fraudulant. 
I still have nothing to take to court to retain these funds that they have put somewhere. If my customer did something fraudulant I need to file this with the authorities. 
I deposited XXXX and i want my XXXX immediately with interest. I'm not contacting the issuer again, I've bothered her enough with these shenanigans of TD bank. TD can contact the issuer and her bank XXXX, I'm not paid to do they're job. 
Furthermore, they claim they can't reach me? Are you kidding me, I call every other day. They gave my phone number and address and they keep promising to call and never do. 
I want to file charges on this bank NOW! They have my money and I need it now! No more games! 
What happened to the basics?? Pick up the phone and call the check issuer then call her bank to confirm. It's very simple and everybody is happy! 
I'm really starting to get XXXX off now!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have a XXXX XXXX Credit Card with a balance of {$500.00}. This was being reported to all 3 credit reports. Ive had this credit card for over a year. I recently disputed a late charge and the entire card was removed from my transunion report. Since then, I have filed a dispute both with the creditor and with transunion. Everyone has failed to add this card back to my report and it has been over 90 days since this dispute was filed. As a result of this error, it caused me to lose over XXXX points on my credit score and it also caused me to miss my opportunity of purchasing a home. I was in the middle of getting a pre approved for a home when this incident occurred. Its been over a year and there is still no resolution to this 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 explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I cant access my Equifax account. I set up an account. I try logging in. However, I get errors every time I try to log in. Ive tried calling. They say their technical staff will fix the issue to no avail. I want to be able to freeze and unfreeze my account like I can with the XXXX XXXX and XXXX  apps without having to call my equifax every time due to login issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing a complaint regarding a loan that is being inaccurately reported on my credit report. The loan in question has been sold to a collection agency, yet it is still being reported by the original creditor as an open account. This is misleading and negatively impacts my credit profile by essentially duplicating the debt. 

I have made multiple requests to the original creditor and the collection agency asking for detailed information regarding the origin of the loan, including documentation showing the debt is valid and where it originated. Despite these requests, I have not received sufficient or clear information regarding the debt 's origin or the chain of ownership. 

According to the Fair Credit Reporting Act ( FCRA ), all information reported on a credit report must be accurate and up to date. It is also my understanding that once a debt is sold to a collection agency, the original creditor must update the account to reflect a {$0.00} balance and indicate it has been transferred, rather than continuing to report it as an active/open account.

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 2025-08-16 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:
CFPB Complaint Submission Complaint Against : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Details of Complaint : On XX/XX/XXXX, I obtained my Equifax credit report ( Confirmation # XXXX ). The report contains inaccurate and/or unverifiable derogatory information which I have formally disputed in writing. Despite my timely disputes, Equifax has failed to provide any reinvestigation results within the 30 days required by law. 

The disputed accounts are : XXXX XXXX ( Acct. ending XXXX XXXXXXXX, opened XX/XX/XXXX ) Reported as Charge Off with balance {$1400.00} Date of first delinquency : XX/XX/XXXX Narrative codes show Account previously in dispute, yet no reinvestigation results were provided XXXX XXXX  ( Acct. ending XXXX XXXX, opened XX/XX/XXXX ) Reported as Charge Off with balance {$150.00} Date of first delinquency : XX/XX/XXXX Previously disputed but Equifax continues to report it negatively without validation Because Equifax failed to respond to my disputes, these accounts remain inaccurately reported, lowering my credit score and materially harming my ability to obtain credit. 
Legal Basis for Complaint : Equifaxs actions violate the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires consumer reporting agencies to reinvestigate disputed items and respond within 30 days. Equifax has not done so.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requires deletion of information that can not be verified. Equifax has not deleted unverifiable accounts.

15 U.S.C. 1681e ( b ) : Requires agencies to follow reasonable procedures to assure maximum possible accuracy. Continuing to report unverified charge offs violates this duty.

15 U.S.C. 1681n and 1681o : Provide for damages when agencies willfully or negligently fail to comply with the FCRA.

Requested Resolution : Immediate reinvestigation of the disputed accounts.

Deletion of all inaccurate or unverifiable negative information from my credit report.

Written confirmation that the corrections have been made.

Enforcement action against Equifax for violation of the FCRA.

Supporting Documents Attached : Copy of Equifax report ( XX/XX/XXXX, Confirmation # XXXX ) Declaration : I certify that the information in this complaint is true and accurate to the best of my knowledge. 
Signed, XXXX XXXX XXXX : XX/XX/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 non-monetary relief
Consumer complaint received 2025-08-16 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: PA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. Since XX/XX/year>, I have disputed multiple fraudulent accounts and credit inquiries appearing on my Equifax credit report. I submitted proper documentation, including an FTC Identity Theft Report and a police report, on more than four occasions.

Despite this, Equifax has repeatedly denied my disputes and rejected the validity of my FTC reports. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, which requires a credit reporting agency to block information that results from identity theft once a valid FTC report XXXX provided. 

Equifaxs continued refusal to honor its obligations under federal law has caused ongoing harm to my credit profile. I am requesting that the CFPB investigate this matter and require Equifax to : 1. Permanently delete all fraudulent accounts and inquiries from my credit report.

2. Provide written confirmation of compliance with the FCRA.

3. Cease further reporting of fraudulent information related to my identity theft.

Timeline of Events : - XX/XX/year> I first noticed fraudulent inquiries and accounts and began disputing them. 
XXXX XX/XX/year> I have submitted more than XXXX disputes, each time including valid documentation ( FTC report and police report ). 
-Each attempt has been denied by Equifax XXXX justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-08-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OH

Complaint narrative:
I purchased XXXX order on XX/XX/year> for {$80.00}. I sent in proof that order was not received and conversations with the company admitting to the error. I received a notice today stating my refund was declined due to no errors found. Everytime I do a dispute with this bank with PROOF, they always decline due to no errors found. I was scammed out of my money and this bank doesnt even try to investigate!! They literally just start a dispute while you send in everything they need and they will wait a whole month just to say they found no errors when theres clearly an error! The business also keeps trying to take money from my card even after I stopped doing business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Absolute Resolutions Corp.
State: NC

Complaint narrative:
I am filing a complaint regarding a loan that is being inaccurately reported on my credit report. The loan in question has been sold to a collection agency, yet it is still being reported by the original creditor as an open account. This is misleading and negatively impacts my credit profile by essentially duplicating the debt.

I have made multiple requests to the original creditor and the collection agency asking for detailed information regarding the origin of the loan, including documentation showing the debt is valid and where it originated. Despite these requests, I have not received sufficient or clear information regarding the debt 's origin or the chain of ownership.

According to the Fair Credit Reporting Act ( FCRA ), all information reported on a credit report must be accurate and up to date. It is also my understanding that once a debt is sold to a collection agency, the original creditor must update the account to reflect a {$0.00} balance and indicate it has been transferred, rather than continuing to report it as an active/open account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: GA

Complaint narrative:
I am filing this complaint because the credit reporting agencies ( Experian, TransUnion, and Equifax ) continue to report inaccurate, incomplete, and unverifiable information on my consumer reports despite my disputes. The reports contain derogatory tradelines, late payment notations, and inquiries that do not meet the standards of accuracy or compliance required under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i ) and XXXX XXXX reporting guidelines. 

The bureaus have failed to ensure maximum possible accuracy. There are multiple inconsistencies between balance amounts, payment history grids, account status fields, and date logic ( Date Opened, Date of First Delinquency, Last Payment, and Last Reported ). These contradictions make the reporting misleading and unverifiable. Some accounts are shown with late payments even though the payment history does not align with the reported delinquency counters. In other cases, charge-off or collection accounts are displaying balances and statuses that do not reconcile with the loan terms or creditors own reporting obligations. 

Additionally, there are hard inquiries present on my reports that were never authorized or supported by permissible purpose under FCRA 1681b. These inquiries are negatively impacting my creditworthiness without my consent.

I have already disputed these errors directly with the credit bureaus. Instead of correcting or permanently deleting the unverifiable items, they continue to verify the inaccurate data without providing proper proof or investigation. This practice violates FCRA 611 ( 15 U.S.C. 1681i ), which requires a reasonable reinvestigation, and 623, which requires furnishers to accurately update or delete disputed information.

As a consumer, I should not be forced to suffer damage to my credit reputation and scoring because the CRAs are allowing furnishers to report contradictory and unverifiable information in violation of XXXX XXXX standards and federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This complaint is being submitted as a continuation of CFPB complaint # XXXX against XXXX. 

On XX/XX/year>, XXXX  admitted that a Capital One account on my credit report was fraudulent and deleted it after my identity theft dispute. However, XXXX  failed to provide any financial relief, restitution, or acknowledgment of the harm this fraudulent reporting caused. 

By deleting the tradeline, XXXX  confirmed that the account was inaccurate and never belonged to me. Yet for months this account remained on my credit file, damaging my credit score, restricting access to affordable credit, and causing emotional distress. I was denied legitimate credit opportunities, subjected to higher rates, and forced to spend time and money disputing an account that should never have been reported. 

XXXX response of Closed with non-monetary relief is inadequate and misleading. Deletion of a fraudulent tradeline is not a favor to the consumer it is a legal obligation under the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( Section 605B ). The FCRA also allows for actual damages and statutory damages when a credit reporting agency willfully or negligently fails to comply with its requirements ( see FCRA 1681n and 1681o ).

Furthermore, no IRS Form 1099-C was issued for the fraudulent Capital One balance, which raises additional compliance concerns under federal tax regulations.

Resolution Requested : Immediate acknowledgment that the deleted Capital One tradeline was fraudulent and unlawfully reported.

Financial relief and restitution for the credit harm, denials, and emotional distress caused by XXXX failure to block this account upon receipt of my FTC Identity Theft Report and supporting documentation. 

Written confirmation that the account will not be reinserted unless all requirements of FCRA 1681c-2 ( d ) are met.

Investigation into whether other fraudulent accounts that remain in dispute status should also be deleted and compensated for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Superior Holdings, LLC
State: IN

Complaint narrative:
Superior is reporting an auto loan with two refinances and a repossession on my credit file. The refinances were never signed or authorized by me. When my vehicle broke down, Superior told me they would refinance the loan to cover repairs and required me to add a co-signer. However, neither I nor the co-signer were ever presented with or signed refinance contracts. Superior refinanced the loan again later, again without signatures.

The only contract I ever signed was the original purchase agreement when I first bought the car. The refinances, payment terms, and repossession now being reported are inaccurate and unverifiable without signed contracts.

I have disputed this with the credit bureaus. I am requesting that CFPB require Superior to provide signed documentation of both refinances or have the account removed from my credit file entirely.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Statement of Identity Theft I am a victim of identity theft. My personal information was used without my knowledge or consent to open fraudulent accounts, attempt loans, and generate multiple unauthorized hard credit inquiries across TransUnion, Equifax, and Experian. These actions do not belong to me and have caused significant harm to my credit profile and financial reputation. 

I have filed an official Identity Theft Report with the Federal Trade Commission under Report Number XXXX. Due to the FTC forms limitations, I prepared a supplemental continuation listing additional unauthorized hard inquiries, which is attached here. Both the FTC report and supplemental list identify all fraudulent items for removal. 

Under the Fair Credit Reporting Act, specifically FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit reporting agencies are required to block and remove all identity theftrelated information from my credit files within four business days of receiving proper documentation. I am requesting that the CRAs comply with this federal law and remove all fraudulent accounts, inquiries, and personal identifiers that are not mine. 

I am also requesting the removal of all fraud alerts, consumer file notices, and outdated or incorrect personal information, retaining only my correct and current identifying details. 

I declare under penalty of perjury that this information is true and accurate to the best of my knowledge. 

XXXX XXXX XXXX XXXX. 
FTC Report # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: NJ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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:
I wanted to inform you that I've recently faced a data breach that has compromised my personal information. This incident has caused me significant worry regarding the security of my sensitive data. Due to the breach, there are now fraudulent accounts and debts associated with my name. I would appreciate it if you could consider this when examining my credit report and take appropriate actions to correct any inaccuracies or fraudulent entries.

Company response to consumer: Closed with non-monetary relief