vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-31 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: NY

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-31 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: I.C. System, Inc.
State: CO

Complaint narrative:
On XX/XX/2025 There was a text sent to my old cell phone along with a copy of a bill from IC Systems INC. The bill was sent first in the text, then a message came after it to login in or call them. This company has never sent me any type of mail for this bill, nor have called me. Releasing my private information about a protentional debt of mine on a text message is a violation of the FDCPA and ECOA to protect my information and my identity from getting into the hands of someone else.

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 2025-10-31 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: GA

Complaint narrative:
CFPB COMPLAINT 4TH ATTEMPT ( FILLABLE VERSION ) Complainant : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX | SSN ( last 4 ) : XXXX Phone : XXXX | Email : XXXX Credit Bureau : TransUnion LLC Account : XXXX XXXX XXXX ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Date : XX/XX/XXXX Summary of Issue : This is my 4th dispute attempt regarding the above-referenced account. TransUnion continues to report inaccurate and conflicting information, and has failed to perform a human reinvestigation as required by the FCRA. Each prior response has been a generic automated XXXX  form letter, with no supporting documentation or verification from the furnisher. 
# Violation FCRA Section 1 Incorrect DOFD and Estimated Removal Date 623 ( a ) ( 5 ) ( A ) 2 Contradictory 'Sold ; was Charged-off ' Reporting 607 ( b ) 3 Continued Charge-off Reporting After Sale 623 ( a ) ( 1 ) ( A ) 4 Failure to Conduct Human Reinvestigation 611 ( a ) 5 Re-aging / Duplicate Reporting via Purchaser 623 ( a ) ( 2 ) Details of Violations : 1. The Date of First Delinquency is inaccurately reported, extending the removal date to XX/XX/XXXX in violation of 623 ( a ) ( 5 ) ( A ).

2. The account shows contradictory 'Sold ; was Charged-off ' language while maintaining a {$0.00} balance, violating 607 ( b ).

3. Charge-off reporting continued after the account was sold and closed, violating 623 ( a ) ( 1 ) ( A ).

4. TransUnion failed to conduct a human reinvestigation despite four attempts, violating 611 ( a ).

5. The account was sold to another lender yet remains actively reported, amounting to re-aging under 623 ( a ) ( 2 ).

Requested Resolution : I request a human reinvestigation under 611 ( a ), documented proof of verification from XXXX XXXX XXXX, correction or deletion of the inaccurate tradeline, and confirmation that no reinsertion will occur without compliance under 611 ( a ) ( 5 ) ( B ). I also seek statutory damages of {$1000.00} per violation ( {$5000.00} total ), bringing my cumulative TransUnion total to {$19000.00}.

Attachments : Credit report screenshots, prior dispute letters, payment history, supporting documentation.

Signature : ________________________________ Date : _________________

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Formal Request : Good day. I am kindly asking Equifax to re-investigate and verify the following accounts and inquiries. I am a consumer working to correct possible reporting mistakes, and I am requesting compliance with FCRA 607 ( b ) for maximum accuracy. 

Charged-Off Accounts in Dispute : XXXX XXXX Opened XX/XX/XXXX Balance {$2600.00} XXXX  XXXX XXXX XX/XX/XXXX Balance {$670.00} XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX {$4500.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$17000.00} XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} XXXXXXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$14000.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$410.00} Inquiry to Be Verified : XXXXXXXX XXXX XXXX  XX/XX/XXXX Late Payment to Review : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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:
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c2 ( Section 605B ), I am formally demanding the immediate removal, deletion, and blocking of the fraudulent accounts and inquiries listed on my credit report. This request is submitted under the protection of federal law due to verified identity theft and exposure of my personal information during the Equifax data breach, which significantly compromises the accuracy and integrity of the data being reported. Under Section 605B, the credit reporting agency is legally obligated to block and remove this information within four ( 4 ) business days upon receipt of a valid identity theft report. Failure to comply constitutes a direct violation of the FCRA and subjects your agency to regulatory consequences and potential legal action. This is a final and urgent demand for compliance. Please confirm the removal in writing and issue updated copies of my credit report reflecting these changes. Thank you for your prompt attentiontothismatter.

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 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: CT

Complaint narrative:
On XX/XX/year>, I mailed a formal debt validation request to Spring Oaks Capital LLC at XXXX. XXXX XXXX, XXXX, XXXX  XXXX. The letter requested verification and documentation for an alleged debt of {$750.00} being reported to the credit bureaus under my name. 

As of XX/XX/year>, it has been over 30 days since my validation request and Spring Oaks Capital LLC has failed to respond or provide any of the requested documentation, including : A copy of the original signed agreement Itemized accounting of the alleged balance Proof of ownership or assignment License to collect in the state of Connecticut Despite their lack of validation, Spring Oaks Capital LLC is continuing to report the account to the credit bureaus and is reporting itself as the original creditor, which is false and misleading. This continued reporting without validation appears to violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, XXXX  XXXX Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer - XXXX XXXX XXXXXXXX Employer - XXXX XXXX XXXX XXXX  XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXXXX - 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 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Update to previous complaint : XXXX to include Elder Abuse * * ELDER FINANCIAL ABUSE VICTIM AGE XXXX XXXX XXXX XXXX XXXX  URGENT : 12 CFR 1008.103 / OCC XXXX / FinCEN XXXX Alert * * Date of Incident : XX/XX/XXXX XX/XX/XXXX Financial Institution : Wells Fargo Bank , N.A . 
Account # : [ Last XXXX : XXXX ] XXXX XXXX What happened? * * I am a * * XXXX senior * * targeted in a * * XXXX XXXX scam * * by fake crypto platform * * XXXX * * ( alias " XXXX '' ). Scammers used * * XXXX romance grooming * * to extract * * {>= $1,000,000} * * via * * XXXX fraudulent wires * * tXXXX XXXX XXXX XXXX XXXX XXXX XXXX * * at * * XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX. 

Wells Fargo * * failed to protect a senior * * : - XXXX wires in 5 months to * * same XXXX XXXX XXXX * * ( XXXX, XXXX XXXX ) - No XXXX flags despite * * FBI IC3 XXXX Alert * * on XXXX XXXX - Escalating amounts + fake memos ( " House down payment '' ) * * Legal Violations * * : - * * UCC 4A-207 * * : Beneficiary misdescribed - * * Regulation E * * : Fraud-induced transfers - * * Elder Abuse Negligence * * : Failed senior protection protocols * * Evidence Attached * * : - Full XXXX  XXXX  log ( 7 months ) - XXXX transcript ( fake fees, fake profits ) - XXXX  XXXX  : XXXX - All XXXX wire statements * * Demand * * : * * Full reversal of {>= $1,000,000} * * + * * expedited senior review * *. 

* * IC3 Report # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Letter Sent 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 2025-10-31 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: AR

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am requesting deletion of inaccurately reported charge-off accounts from my credit report. I am offering full payment contingent upon written confirmation of deletion, consistent with FCRA 607 ( b ), 623 ( a ) and IRS 6050P. Please review my attached Pay-for-Delete request packet. 

I am disputing two inaccurate charge-off accounts reported by ChimeXXXX XXXX  XXXX XXXX ( account ending in XXXX ) and XXXX XXXX ( XXXX account ending in XXXX ). Both accounts are being reported as charged off and past due, which is contradictory and constitutes double reporting. Once an account is charged off, it can not simultaneously remain delinquent or collectible. 

Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611, and 623 ( a ), furnishers and credit bureaus must maintain complete and accurate information and remove unverifiable or misleading data. Reporting a charged-off account as both charged off and past due violates these sections because it misrepresents the true status of the debt and artificially lowers my credit score.

Additionally, if either creditor issued a Form 1099-C under IRS Code 6050P, the debt is legally recognized as canceled and should no longer be reported as owed or collectible. Continuing to report a canceled debt is misleading and inconsistent with federal law.

I have attached my Pay-for-Delete request letters, which offer full payment in exchange for written confirmation of deletion. I am requesting that both furnishers and the credit bureaus delete these tradelines entirely from my credit reports unless they can fully validate the accounts with original signed agreements and complete payment ledgers.

I respectfully request the CFPBs assistance to ensure that both creditors and the credit bureaus reinvestigate these tradelines in compliance with the FCRA, remove inaccurate data, and respond in writing confirming deletion or correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-10-31 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: CA

Complaint narrative:
I am in no way associated with these accounts ; delete them within 15 days under USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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