vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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: PA

Complaint narrative:
Response to Duplicate Dispute Determination This is not a duplicate complaint. My original dispute involved three fraudulent accounts. Two were properly deleted, but this third account ( XXXX ) remains on my reports despite being part of the same fraud incident. 

The remaining account is still inaccurate and inconsistent : TransUnion shows the account as Open with no dispute notation.

XXXX  shows it as Closed and under dispute ( Consumer disputed reinvestigation in progress ).

These contradictions between CRAs demonstrate that the information is not accurate or consistent. Because my fraud claim was substantiated on the other two accounts, this final account must also be fully investigated and removed.

This is not a duplicate filing but a continuation of my unresolved dispute. I request a full reinvestigation in compliance with FCRA 607 ( b ), 609, 611, and 623 ( a ) ( 1 ) ( A ).

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 2025-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
To Whom It May Concern, around XX/XX/year>, I was the victim of a XXXX  scam initiated through the housing website Furnished Finder. An individual identifying herself as XXXX posed as a prospective roommate and claimed her father would send me funds for move-in expenses. I later received a check for {$6500.00} made out to me, allegedly from XXXX XXXX. 
Before depositing the check, I went to a TD Bank branch and specifically asked an employee to confirm its legitimacy. The TD Bank representative assured me it was a valid check and pressured me to deposit it, stating I had to deposit it. Based on this assurance, I relied on TD Banks expertise and deposited the check. The funds appeared to clear in my account. 
Soon after, XXXX and others posing as her father and dealership staff pressured me into sending money for car delivery services. Believing the check was genuine and trusting TD Banks confirmation, I sent {$1000.00} via XXXX to the contact information provided to " XXXX XXXX. '' The following day, TD Bank notified me the check was fraudulent. By then, the scammer had vanished and ceased all communication. When I returned to TD Bank for assistance, I was met with complete indifference. TD Bank refused to help, denied my claim, and placed the entire burden of their employees misrepresentation and negligence on me. 
This stands in stark contrast to my experience at XXXX Bank, where staff immediately identified the check as fake when I showed it to them. TD Bank not only failed to protect me, but they actively misled me into depositing a fraudulent check. Their failure directly caused me to lose {$1000.00}. 
I also filed a police report documenting the scam, underscoring the seriousness of this matter. 
TD Banks conduct demonstrates a complete failure of consumer protection and due diligence. I am requesting that TD Bank be held accountable and required to reimburse me the {$1000.00} lost as a result of their negligence, failure to properly identify a fraudulent instrument, and refusal to assist me after the fraud was discovered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
PLEASE BLOCK AND REMOVE. 
I dispute this account as invalid and request its immediate deletion. I did not give authorization. Records are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
Account Lockhart, Morris, & Montgomery XXXX XXXXXXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " certified mail '' with receipt displaying my signature. If not please delete account # XXXX as soon as possible from my credit report or I will be forced to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: UT

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all inaccurate accounts in this complaint be DELETED immediately. 
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ) by [ TransUnion ]. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
I am writing to contest inaccurate and unverifiable information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. As per the FCRA, consumer reporting agencies are obligated to block and delete any information that can not be proven to be accurate, complete, and verifiable within XXXX business days. The following information on my credit report is inaccurate and must be blocked : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the [ TransUnion ], block information appearing on my consumer credit report that is inaccurate and unverifiable within XXXX business days of you receiving this complaint. This false and misleading information consists of the following account ( XXXX ) XXXX XXXX XXXXhese accounts have resulted in negative reporting on my consumer credit report. I have attached documentation, including my current consumer credit report, which clearly shows the aforementioned inaccurate item ( XXXX ). REMOVE IMMEDIATELY PLEASE THESE ACCOUNTS. 
I do not recognize the aforementioned accounts as reported. The aforementioned accounts on my consumer credit report maintained by you were not opened, made, or initiated by me. I did not authorize the sharing of my non-public information or consent to its reporting. I was not given proper disclosures or the option to opt-out. Reporting without consent constitutes a violation under 15 U.S.C. 1681b Permissible Purposes.

This is also in violation of my privacy rights under 15 U.S.C. 1681a ( 4 ). These accounts and inquiries must be blocked or deleted immediately from my consumer report, under law FCRA 605B. 
My credit report contains inaccurate and unverifiable accounts that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to XXXX of XXXX your agency both via fax and through XXXX Mail. 
In addition, I request the immediate removal of the following accounts and inquiries from my credit report : ACCOUNT ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: VA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: MO

Complaint narrative:
On XX/XX/year> while using the U.S. Bank mobile app on my XXXX, I clicked a button to download a receipt for payment. Immediately after, the app automatically captured a screenshot of my screen without my consent. Only after the screenshot was taken did the app display a pop-up asking for access to my Photo library. 

I declined permission, yet the screenshot was still saved to my Photo library. This means the app both captured and stored the image without valid consent.

This raises serious privacy and security concerns. A screenshot could expose sensitive financial information on my device. Best practices and platform rules require that apps obtain permission before capturing or saving screenshots, not afterward. 

I am concerned that the U.S. Bank mobile app is engaging in undisclosed data collection practices that may violate consumer privacy protections. I request that this issue be investigated to ensure the app complies with privacy, consent, and disclosure requirements.

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 2025-10-03 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: NY

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX : XX/XX/XXXX ACCOUNTS : XXXX XXXX  XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} XXXX XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX  XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} XXXX XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$360.00}

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 2025-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Service Bureau, Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Midwest Service Bureau regarding their unlawful handling of an alleged debt. On XX/XX/year>, I filed a complaint with the CFPB requesting proper debt validation paperwork from Midwest Service Bureau pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). Midwest Service Bureau acknowledged receipt of the complaint on XX/XX/year>. On XX/XX/year>, they responded stating : We are in the process of getting an itemized bill of services provided. To this date, they have failed to provide the legally required debt validation. Instead, I was only sent a collection notice with account balances, which does not constitute proper validation under the FDCPA. The law requires a debt collector to provide sufficient documentation to verify the alleged debt, including an itemized statement or contract signed by the consumer, not just a summary. 

On XX/XX/year>, I received a phone call from Midwest Service Bureau. During this call, I was told : There was no record of my CFPB complaint ( despite their written response on XX/XX/XXXX ). 
They attempted to collect payment from me even though they have not provided the requested debt validation paperwork. 
I was falsely told that debt validation paperwork was sent, when in fact, it was not. 

These actions are in direct violation of the FDCPA, specifically : 15 U.S.C. 1692g ( b ) : A debt collector must cease collection until proper debt validation is provided.

15 U.S.C. 1692e ( 2 ) ( A ) : Prohibits false representation of the character, amount, or legal status of a debt.

15 U.S.C. 1692d : Prohibits harassment and unfair collection practices.

Additionally, if Midwest Service Bureau is reporting this account to the credit bureaus, their failure to properly validate the debt is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a reasonable investigation of disputed debts. 

I have documented evidence of : My original CFPB complaint filed XX/XX/XXXX. 
Midwest Service Bureaus response dated XX/XX/XXXX. 
The phone call as a collection attempt without validation from today

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing.

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 2025-10-02 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:
This is not a mistake. My credit report contains inaccurate information that is causing significant, ongoing harm.

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 2025-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: LA

Complaint narrative:
Date Opened : XX/XX/year> Balance : {$2100.00} The company is reporting incorrect payment history on my account. Although I have made the required payments, the account is being reported with inaccurate late or missing payments. I reviewed my records and contacted the company to dispute these errors, providing documentation to support that the payments were made as agreed. 

Despite my efforts, the company has not corrected the inaccurate reporting. The errors remain on my account history and continue to affect my balance and credit reporting. 

I am requesting that the company investigate this matter thoroughly, update my payment history to reflect accurate information, and remove the incorrect reporting from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Unauthorized access to my credit report by several companies has caused direct harm to both my credit and my score. I was previously assured by your representative that these unauthorized inquiries would be removed, yet they remain. This failure to act is unacceptable and raises serious concerns of identity theft. The ongoing presence of these entries continues to inflict financial and emotional harm.

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 2025-10-03 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:
I dont recognize this account, and it doesnt belong 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 2025-10-03 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: TX

Complaint narrative:
I dont recognize this account, and it doesnt belong 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 non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I had a balance transfer with my Bank of America card. I would occasionally use the card to buy small things and would pay more than my minimum payment + new charges for that statement period. I figured the extra amount would go toward the larger interest amount first. Eventually I made big purchases and got charged interest even though I was still paying more than my minimum payment + new charges for that statement period. I called them and they told me my payments were going towards my 0 % balance transfer first? The supervisor said the same thing. I told them they were the only credit card that did it this way. They forced me to balance transfer to another card last month because I hate paying interest on credit cards. I just now read about the Credit Card Act of 2009 and decided to make this report. 
Is this correct that all extra payment should have gone to higher balances first? If so it makes sense because all my other credit cards do it this way.

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 monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. 

XXXX XXXX XXXXXXXX XX/XX/2025 Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned 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 2025-10-03 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:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I am a XXXX and must use the citi bank government travel card. Thier system does not allow you to speak to a person and hangs up after the XXXX or computer refuses to connect you. This is a terrible way to treat service members and puts a great burden upon me. There is no avenue provided by citi bank for help with questions or account updates. If I were not forced to use them I would not. This can not be an isolated problem and needs to be looked at, if I were XXXX and needing assistance this could put me in a bad situation.

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