vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I received a collection notice from my credit card company on a bill that I did not know was outstanding. I never received a statement. I contacted them but they said they sent it to my email address. When I checked my email 's I realized they sent it to an old email address that I had not used in years, also, I never agreed to not receive paper statements. I would have paid it. I always pay my bill on time. I owed {$87.00}, and it is now {$360.00}. Is there anything I can do? 
In XXXX, there were purchases. 
I paid the minimum payment of XXXX dollars through my bill payer which was my mistake, I thought I paid it in full. 
I threw the card away. 
Never heard from them again until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: MA

Complaint narrative:
Pursuant to 15 USC 1681e ( b ), credit reporting agencies are required to maintain the maximum possible accuracy of the information contained in consumer reports. Additionally, under 15 USC 1681i, credit reporting agencies are required to promptly investigate and correct or remove inaccurate, incomplete, or unverifiable information. 
These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be 100 % accurate across all credit reporting agencies. As a result, I request that the account in question be either updated to reflect complete and accurate information or removed from my credit report entirely. 

I expect the inaccuracies to be corrected or the account to be removed from my credit report within XXXX days of receiving this letter. Failure to comply with this request will leave me no choice but to pursue legal action under the provisions of the FCRA, including seeking statutory damages of {$1000.00} per inaccuracy. 
The following personal information is incorrect : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$10000.00} Please remove it from my credit report under XXXX XXXX XXXX The following personal information is incorrect : XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2400.00} Please remove it from my credit report under XXXX XXXX XXXX XXXX following personal information is incorrect : XXXXXXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Please remove it from my credit report under 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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: IL

Complaint narrative:
I submitted disputes to the credit bureaus regarding a late payment being incorrectly reported by KIKOFF LENDING LLC The company failed to provide any documentation to verify the accuracy. This reporting violates the FCRA. I request full deletion of the late mark.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc . 
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 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I'm filing this complaint because I found a collection account on my credit report from XXXX XXXX XXXX XXXX account ending in XXXX ) showing a balance of {$1700.00}, and I honestly have no idea what this account is. 
Ive never received a bill, letter, phone callnothingfrom this company. This was the first time I saw the name, and it was just sitting on my credit report. Im really confused and concerned.

From what I understand under the FDCPA, a debt collector is supposed to send something in writing within five days of their first contact. But I was never contacted at all. And under the FCRA, any information reported to the credit bureaus is supposed to be accurate and verified. This definitely doesnt feel accurate.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
my credit cards and purse was stolen with my id and social security information and my information and passwords were also exposed in a data breach

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kingston Data & Credit International Inc.
State: UT

Complaint narrative:
Company refuses to provide a purchase agreement between XXXX  XXXX  and Kingston data proving they now own the debt or have rights to attempt collection. Kingston refuses to provide an insurance claim against the debt.

Kingston did not remove the debt from my credit reports during the investigation period as requested.

Kingston has not provided information in compliance with usc 1681 what information and process it used to validate and verify debt.

Please remove negative reporting. Kingston will receive a notice of intent to sue within 14 days, If this is not removed Ill sue them in small claims court asap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: MA

Complaint narrative:
I am writing to dispute and request removal of negative items on my credit report that are outdated or unfairly affecting my score. Despite keeping my credit utilisation consistently under 30 % and maintaining on-time payments recently, my score remains low. 

Specifically, Im requesting the removal of late payment history reported on Account ending in XXXX, which has since been resolved. I believe this negative mark is no longer reflective of my current credit behaviour. 

I am also asking for a full review of the account status and balance to ensure all reported information is accurate, current, and compliant with the Fair Credit Reporting Act.

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 2025-07-14 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: CA

Complaint narrative:
Pursuant to the provisions outlined in 15 U.S.C. 1666b, payments received by creditors must be promptly credited and reported accurately. I hereby dispute the erroneous reporting of late payments on the following accounts : Personal Loan account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX Personal Loan account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX Auto Loan account opened at XXXX XXXX on XX/XX/XXXX account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  collection account opened at XXXX on XX/XX/XXXX account number XXXX * * Auto Loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Auto Loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Card account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Auto Loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Auto Loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX  collection account opened at NATIONAL XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX as my payments were submitted timely. 
I demand immediate removal of this reporting error from my credit file. Failure to comply with this request may subject your agency to legal liability for violating federal law. Confirm the results of your all corrections made to my credit report within seven ( 7 ) calendar days.

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 2025-07-14 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: Marlette Funding, LLC
State: TX

Complaint narrative:
I asked the credit bureaus to investigate late payment reporting on my credit report. They claim they investigated ; however, they never provided any supporting documentation as requested. This account should reflect that it is current and not pasted due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. 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 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MN

Complaint narrative:
Cash App kept denying my card for suspicious activity. I was the one using the card. And the merchant was verified. I spend money with this merchant weekly. I called Cash App and explained I was using my card no fraud. They refuse to let me spend my money where I chose. I asked for a manager and was told I will be emailed.

I dont feel comfortable communicating about my account with a random email. The rep for cash app says no manager is available and we only reach out via email.

Seems they are being fraudulent.

I dont like being told where I can and cant spend my money by a banking institution.

They have no answers for me and no one to communicate with expect for email?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have been unable to file a dispute for the inaccurate account on my EQUIFAX report. XXXX XXXX XXXX has not provided me with documentation validating said debt. XXXX XXXX is a debt buyer in which I have not given authorization. Other companies have since removed this account from my credit report but I have been unsuccessful in contacting EQUIFAX. This derogatory remark has since affected my credit score significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Submitted to the CFPB on XX/XX/year> This is a formal follow-up to my identity theft complaint submitted on XX/XX/year> under FCRA 605B . In that dispute, I included a legally compliant package consisting of my FTC Identity Theft Report, government-issued ID, Social Security card, proof of address, and a full list of unauthorized items resulting from identity theft. These include multiple hard inquiries and two fraudulent accounts I never initiated or authorized : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX, and XXXX XXXX XXXX XXXXXXXX. Despite receiving this complete documentation, Equifax has only removed the XXXX account, while leaving all other fraudulent items on my credit report in clear violation of federal law. Under FCRA 605B ( a ), Equifax was legally obligated to block all identity theft-related items within four business days of receiving proper documentation. Under 605B ( b ), if Equifax determined any item should not be blocked, they were required to send a written explanation within five business days no such explanation has been received. This failure to act within the legally mandated timeframes and the continued reporting of fraudulent entries constitutes direct noncompliance with FCRA 605B ( a ) - ( b ) and a broader failure to maintain fair and accurate credit reporting as required under 602 ( a ). Additionally, by removing only one item from the identity theft package while ignoring others clearly listed, Equifax is violating 607 ( b ) the mandate to report information with consistency and integrity. These actions have materially harmed me as a consumer by delaying my access to credit and affecting financial opportunities such as mortgage eligibility. If this is not fully resolved immediately with all unauthorized accounts and inquiries permanently deleted I will escalate this matter to the Better Business Bureau ( BBB ), collect all case documentation, and initiate legal action to enforce my consumer rights under federal law. I expect a complete resolution in accordance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute a collection entry listed on my credit report. I have no knowledge of this debt, nor did I authorize any such account. It appears to have been fraudulently attached to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$25000.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$670.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$72.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$950.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00}

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