vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
My wallet including my XXXX XXXX Master card  ( along with 5 other credit cards ) was stolen on XX/XX/year>. I promptly notified XXXX  Credit card services and the local police department. Three fraudulent charges totaling {$1300.00} were made that evening. XXXX requested the police report which I sent to them ( all of the other credit card companies quickly resolved the matter and cleared my accounts of fraudulent charges without difficulty ). 
Since the time of the theft, despite my prompt reporting, I have continued to receive monthly bills from XXXX with accruing interest. I have spent many hours on the phone and with written correspondence with various representatives trying to resolve the issue. It has been extremely frustrating dealing with this company. I was just notified by XXXX  that my XXXX XXXX was lowered more than XXXX points because of the apparent delinquent debt on my XXXX  credit card account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-11 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: SC

Complaint narrative:
I am writing to formally dispute multiple accounts that continue to reflect derogatory late payment information on my Experian credit report, despite prior disputes. These entries are contributing negatively to my credit profile, and I request that you conduct a full reinvestigation pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

The accounts in question are as follows : Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$220000.00} Account Name : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Opened : XX/XX/XXXX Balance : {$2900.00} Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Opened : XX/XX/XXXX Balance : {$8800.00} Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Opened : XX/XX/XXXX Balance : {$3700.00} Reason for Dispute : These accounts include reported late payments that I believe may be inaccurate or unverifiable. I am requesting a reinvestigation with proper documentation from the data furnishers to confirm the validity and accuracy of the reported payment history. If the late payment data can not be conclusively verified using original source documentation, I request that the accounts be updated or corrected in accordance with FCRA compliance standards.

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 2025-07-11 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:
This account is incorrectly marked as delinquent. It should not be showing this status, as the information is inaccurate. I am requesting that it be disputed and updated to reflect no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: MS

Complaint narrative:
Cash app closed my account saying it was suspicious activity on my account that was against cash app policy and rules. I appealed it several times to get the same answer. I asked them to show me what I was being accused of they could not I was using cash app for my business and I have lost behind them closing my account. I have been fighting to get my account back since they closed it XX/XX/year>XX/XX/XXXXcan't remember the exact day. I used cash app for customers to pay me for the parts and service on they vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-11 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: DE

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is XXXX XXXX XXXX involved. Please review the uploaded letters.

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 2025-07-11 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: DE

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is XXXX XXXX XXXX involved. Please review the uploaded letters.

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 2025-07-11 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: NJ

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant XXXX XXXX XXXX XXXX as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: NJ

Complaint narrative:
I am filing this complaint against Experian for failing to perform a reasonable investigation after I disputed inaccurate information on my credit report. 

In XXXX, a commercial truck loan was issued by XXXX for business use only. The truck was titled, insured, and used exclusively for my business. Despite this, XXXX has reported the loan as a personal account to Experian, severely impacting my personal credit. 

In multiple written disputes to Experian starting in XXXX, I provided context and asked them to investigate the accuracy and classification of this account. Experian responded each time by stating that XXXX verified the information, with no further explanation, documentation, or independent investigation. 

Experian has failed to meet its obligation under the Fair Credit Reporting Act to perform a reasonable and independent investigation. Merely parroting back what the furnisher says is not an investigation. I requested documentation from XXXX to prove this was a personally guaranteed loan, and none has been provided. 

I am requesting that the CFPB compel Experian to : 1. Conduct a real investigation into the legitimacy and classification of this account. 

2. Provide justification for why they are allowing XXXX to report a clearly business-related loan as personal debt. 

3. Remove the inaccurate information if the furnisher can not provide proof. 

I am asking CFPB to investigate why a commercial vehicle used exclusively for business is being reported as a personal debt and to compel XXXX to provide documentation proving that this was a personally guaranteed loan. If they can not, this account should be removed from my personal credit reports immediately.

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 2025-07-11 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: PA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-11 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: PA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am writing to dispute an alleged debt that is appearing on my credit report. This company has not provided any documentation or proof to support their claim. Without proper documentation, I believe this debt is inaccurate and should not be reflected on my credit history. I kindly request that you remove this debt from my credit report immediately. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
am filing a complaint against XXXX XXXX XXXX for reporting a debt on my credit report that I do not owe and that I have formally disputed. 
I have never signed any contract or purchase agreement with XXXX XXXX XXXX. 

I have not purchased anything from them, and I have no relationship with this company. Therefore, this alleged debt can not lawfully be mine. 

I requested they provide me with proof of the original purchase agreement or a signed contract showing that I entered into a financial obligation with them. To date, they have failed to provide any such documentation. 

Reporting an unvalidated and unproven debt violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Under 15 U.S.C. 1692c, debt collectors are prohibited from engaging in improper communication and must cease collection efforts if the debt is disputed and not validated.

Additionally, under 15 U.S.C. 1681n, XXXX XXXX XXXX may be held liable for willful noncompliance with federal credit reporting laws.

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 2025-07-11 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: FL

Complaint narrative:
am filing a complaint against XXXX XXXX XXXX for reporting a debt on my credit report that I do not owe and that I have formally disputed. 
I have never signed any contract or purchase agreement with XXXX XXXX XXXX. 

I have not purchased anything from them, and I have no relationship with this company. Therefore, this alleged debt can not lawfully be mine. 

I requested they provide me with proof of the original purchase agreement or a signed contract showing that I entered into a financial obligation with them. To date, they have failed to provide any such documentation. 

Reporting an unvalidated and unproven debt violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Under 15 U.S.C. 1692c, debt collectors are prohibited from engaging in improper communication and must cease collection efforts if the debt is disputed and not validated.

Additionally, under 15 U.S.C. 1681n, XXXX XXXX XXXX may be held liable for willful noncompliance with federal credit reporting laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was recently reviewing my credit and noticed that I was a victim of Credit Bureau Breach. There are several inquiries and accounts that were not done by myself and taken advantage of. This is hurting me while I am in the process of buying a home for my family. 

I am requesting removal and notice of the accounts in my challenge letter which also resulted in violation of both my FDCPA and FCRA rights. Please block and delete from my consumer report. 

FCRA requires EQUIFAX to conduct a reasonable reinvestigation of all of my disputed information and report the results of the reinvestigation to the me, all within certain timelines. 

15 U.S.C. 1681i ( a ). At the conclusion of the reinvestigation, EQUIFAX must modify or delete any item of information found to be inaccurate or incomplete, or that it could not verify.

15 U.S.C. 1681i ( a ) ( 5 ). For any information deleted as a result of a dispute, the FCRA imposes specific obligations on EQUIFAX that must be satisfied before that information may be reinserted into a consumers file. 15 U.S.C. 1681i ( a ) ( 5 ) ( C ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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:
These accounts are fraudulent and were created without my knowledge. As authorized by USC 1681g, I am demanding their removal from my credit file within 15 days. Proof is attached.

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 2025-07-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Law Office of Brett M. Borland, P.C.
State: NJ

Complaint narrative:
Called National Credit Systems to identify what they were doing with my collections and to verify the legality of my debt, including why they are not responding to the validation letters sent by the credit bureaus. The representative refused to answer any questions regarding my account and told me I would have to call -Law Office of Brett M Borland , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX called the law office and after asking how they validated the debt, He refused to answer, and only continued asking how I would like to pay my debt. I asked him multiple times why there was no direct response to any letters sent through the multiple credit bureaus disputes, and XXXX again, he refused to answer. 

XXXX XXXX XXXX and Law Office of Brett M Borland, P.C.- Are avoiding legal responsibility and still calling, trying to collect money.

Everything was recorded for legal purposes as proof they are avoiding legal obligations in accordance with the CFPB AND FDIC I have also contacted the state of Georgia and XXXX to help with this issue, due to the tactics by XXXX XXXX XXXX and Law Office of Brett M Borland, P.C.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXXXXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1700.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-07-11 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: NC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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 do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: NC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief