vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have XXXX checking accounts with TD Bank. Due to a continuation of an App Subscription ( without notification or consent of charges ) and another issue XXXX credit was having ( causing multiple charges to my account when I knew I did not have the money to cover the charges ), I was charged {$140.00} in overdraft fees to one checking account and another {$70.00} to the other. 
I called the XXXX XXXX  assistance line twice. I explained that the wrong charges for the app were waiting on a refund and that XXXX is wrongfully forwarding my charges to my checking rather than credit. After speaking with an agent and not getting far, I asked to speak with a supervisor, and didn't make it much further. End result : They reversed {$70.00} of the {$210.00} in overdraft fees, leaving me to pay {$140.00} for 1 months fees. 
I am on XXXX. I live alone in XXXX XXXX XXXX 
My expenses are extremely high, and I receive extremely limited help to make ends meet. I receive one check a month, to spread out over a month, which is unbelievably difficult for anyone to do. 
If TD does not reverse these charges, I will have to let one of my bills go unpaid for the month, just so I can feed myself. 
I need help. I feel like TD has got a rope around my neck.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: PA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX : {$1700.00} Open Date XX/XX/XXXX Inquiries : XXXX  Date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The accounts were made without my consent and violate section XXXX of the XXXX act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
ON XX/XX/XXXX, Bank of America returned my check to the California XXXX XXXX XXXX for XXXX XXXX due to an image error. Consequently I will pay 2 % of XXXX on the NSF check ( although it wasn't returned for insufficient funds ) and 5 % penalty for late payment which is a large sum for me. After XXXX hours on the phone, they agreed it shouldn't have happened as anyone looking at it would have seen a tax payment isn't fraud, but they claimed they made contact with us in the form of a phone call. We did find a phone message but didn't receive it until it was already returned. They then promised to give me a letter so I could at least try to get California XXXX XXXX to waive part of the fee at least the NSF but to this date I haven't even received that. Pretty disgusted as I am a XXXX rewards customer of the bank since 2008 and they couldn't even provide me with a letter to avoid thousands of dollars of penalties due to their mistake.

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 2025-05-12 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: MO

Complaint narrative:
I am writing to formally dispute the accuracy of my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under XXXX XXXX XXXX ( XXXX ) ( b ). My recent credit report indicates that there is a charge-off account However, it continues to show a past due balance. 

According to the Fair Credit Reporting Act, specifically XXXX XXXX XXXX ( XXXX ) ( b ), I have the right to dispute inaccurate information in my credit report, and the reporting agency is required to conduct a reasonable investigation into my claim. The entry on my credit report with the charge-off status should not reflect an outstanding balance as it implies that I owe money, which contradicts the interpretation of a charge-off. 

The account was charged off on [ date of charge-off ], and as such, I believe that the reported past due balance is misleading and inaccurate. A charge-off indicates that the creditor has deemed the debt uncollectible and has written it off, meaning that I should not have any further liability for this amount. 

I request that the Consumer Financial Protection Bureau investigate this matter and ensure that my credit report is corrected to reflect the accurate status of this account. I am enclosing copies of relevant documents, including my credit report, to support my dispute. 

Please let me know the outcome of your investigation and any actions taken regarding this matter. I appreciate your prompt attention to this issue and look forward to resolving it swiftly.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ProCollect, Inc.
State: AR

Complaint narrative:
My son and I received notices from the credit bureaus that we had a new collection that was applied to our credit reports from Procollect Inc. I called the company. They stated {$180.00} are charges for damages. They advised me to reach out to XXXX  and have them call Procollect to have the collection removed or to provide receipts of a XXXX balance after my son moved out. I told them that we were told that everything was paid in full and that my son had nothing else owed after he moved out. I tried to log into the account to pull the payment history. I received an error stating my account was found, but log in is not allowed at this time. 

I have had ongoing issues with XXXX. I filed complaints after complaints. 

I have pictures and a video of how disgusting the apartment was when my son moved in. The blinds were broken, the carpet was disgusting, clothes all over the floor, the bathtub was disgusting, the furniture was broken, there were holes in the wall, paint missing, kitchen and living area was disgusting. The bedroom door was broken. The front door was broken and would not lock. We complained that we were shown pictures and videos of a nice unit that was on the website ; however, the apartment was in a horrible condition when my son moved in and when he moved out. They never fixed anything. We were charges, without knowing, for items that were already damaged before my son moved in. 

I tried to file a dispute with Procollect. They told me that I couldn't file a dispute and that they would list refusal on my account if I didn't pay the amount in full. I sent an email to the property manager at XXXX. She stated she couldn't do anything until I filed a dispute with Procollect and they would reach out to her. I informed her that Procollect is not allowing me to file a dispute. 

My son moved out of the XXXX XXXX in XXXX of 2024. He had a XXXX balance. We never received a bill, notice or anything stating we owed money. We never received a letter or a call from Procollect about a collection. They only started to call me after I called them.

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 2025-05-13 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern, Equifax asked me to upload a picture of my license and social security card on XX/XX/year> This is a follow-up in regaurds to this matter Subject : Identity Theft Dispute Round XXXX Request for Immediate Removal of Fraudulent Accounts and Inquiries under FCRA ( XXXX U.S.C. XXXX ) I am writing to dispute fraudulent and unauthorized information listed on my Equifax credit report. Upon review, I identified several fraudulent accounts and inquiries that I did not authorize or initiate. This is my second attempt to resolve this matter, and I am escalating my request for immediate action under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX. 
These fraudulent entries continue to severely affect my ability to maintain good credit, which is vital for my personal and financial wellbeing. I request your immediate attention to this matter and appreciate your cooperation in correcting my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
The pay off amount was given over the phone and it was agreed that it could be paid in XXXX installments by XX/XX/year>. My bank released the funds for the last payment on XXXX XXXX. XXXX XXXX XXXX claimed that they didnt receive the final payment until XX/XX/year> which was XXXX  days after the pay off due date which means that they didnt credit my account as paid.

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 2025-05-12 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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:
I recently checked my credit report and found several inaccuracies. Please delete all disputed 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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Request for Deletion of Inaccurate Account Reporting XXXX Account Dear CFPB, I am filing this complaint to formally request the removal of an inaccurately reported account from my credit reports with TransUnion, Experian, and Equifax. 

Account Details : Creditor Name : XXXX Account Number : Ends in XXXX Opened : XX/XX/XXXX Status : Closed / Paid Balance : {$0.00} Type : Secured loan Despite the account being paid in full with no balance due, both TransUnion and Experian are inaccurately reporting 30- and 60-day late payments, which are factually incorrect. These late marks are misleading and damaging. Additionally, Equifax does not report this account at all, resulting in an incomplete credit profile.

I am disputing this account under the Fair Credit Reporting Act ( FCRA ) for the following reasons : 1. The account was paid in full, with no valid late payments.

2. The reporting is inconsistent and inaccurate across bureaus.

3. The ongoing negative marks violate my rights under 15 U.S. Code 1681i and 1681s-2, which require data furnishers and CRAs to ensure the accuracy and integrity of reported information. Resolution Requested : I
am requesting a complete deletion of this XXXX account from all three credit bureaus ( TransUnion, Experian, and Equifax ) due to inaccurate, inconsistent, and unverifiable reporting. I have attached screenshots of the reporting from IdentityIQ for reference.

Please investigate this matter urgently and ensure that this account is deleted from all reports to prevent further harm to my creditworthiness. 

Sincerely, 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 2025-05-12 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 hope this letter finds you well. I am writing to formally dispute inaccurate information that has been reported on my credit report. Upon reviewing my recent credit report dated [ insert date of report ], I noticed the following inaccuracies regarding my account : - Account Name 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  These accounts were not opened by me nor did I authorize these accounts. I reached out to each creditor with no results in solving the problem. 

According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that the information they provide is accurate and up-to-date. Under XXXX XXXX XXXX XXXX XXXX of the FCRA, it is stated that " 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. '' Additionally, Section XXXX of the FCRA gives me the right to dispute any information on my credit report that I believe to be incorrect. I request that the matter is investigated and corrected any inaccuracies as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC 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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have XXXX  days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have XXXX  days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-05-12 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-12 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: NJ

Complaint narrative:
I am going through a mortgage application and noticed there is a debt collection on my XXXX  credit report ( the original creditor is XXXX XXXX XXXX, and the collection company is XXXX XXXX XXXX XXXX ). I have never called any services from XXXX XXXX XXXX. It could be someone with the same name but different SSN and address ( My SSN : XXXX, Phone number XXXX, my address : XXXX XXXX XXXX, XXXX XXXX NJ XXXX ). I don't know whether it is the XXXX XXXX XXXX sent the wrong info to XXXX  or it is XXXX  made a mistake to put the WRONG debt collection on my credit report, but this is negatively impacting my credit. The other two credit report companies both had my information accurate ( XXXX  as well as XXXX  ), so I believe this is only an issue with XXXX. 

Up till now, neither XXXX XXXX XXXX nor XXXX  has given me a fair and reasonable response on why putting the wrong collection on my credit report. I request CFPB to urge them remove the collection from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-12 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: FL

Complaint narrative:
Experian is continuing to erroneously report addresses that DO NOT and HAVE NEVER belonged to me on my personal credit file. These need to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX The phone number beginning with XXXX is also not my phone number and needs to be removed. 

I have included a copy of my drivers license with the ONLY address that is to be listed on my Experian 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 explanation
Consumer complaint received 2025-05-12 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:
I am writing to formally dispute inaccurate personal information and unauthorized inquiries on my credit report due to identity theft. I have identified several incorrect entries that violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2. I request the immediate investigation and removal of the following

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