vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I went to Target and purchased a XXXX XXXX XXXXXXXX XXXX for {$18.00} using my Target credit card. I never received the bill because XXXX changed my account from paper billing to e-billing without my consent. 

In XXXX, I was alerted by XXXX XXXX that I had missed a payment for the Target card. As soon as I saw this, I immediately paid the {$18.00} balance plus the late fee ( totaling {$20.00} ) on XX/XX/year>. I had never received a bill for the XX/XX/XXXX payment that was due. 

I called Target on XX/XX/year>, to explain the issue and requested that they fix the billing error and restore my credit score, which had dropped over XXXX points ( from over XXXX to around XXXX ) due to their error. I also asked to be switched back to paper billing, but that request was not completed. 

When I called again on XX/XX/year>, to follow up, the representative informed me that the dispute was not even submitted until XX/XX/year>, more than a month after my original call. During this time, Target also reduced my credit limit from {$10000.00} to {$200.00}, all over a single {$18.00} charge that I paid as soon as I became aware of it. 

This situation was caused entirely by Targets unauthorized switch to e-billing, which led to a missed bill and a significant, unfair impact on my credit score and available credit. I do not regularly use my Target card, so I rely on receiving the paper bill as a reminder to make my payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: CT

Complaint narrative:
I am disputing the following items on my credit report with TransUnion. These accounts are inaccurately reported and I am requesting an investigation under the Fair Credit Reporting Act ( FCRA ). If the information can not be verified or validated, I request that it be removed from my credit report. 

CHARGED OFF ACCOUNTS : 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 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 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 2025-11-05 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Card supposedly rebates 2 %, called a " double cash card. '' Called repeatedly to access built-up rewards total of 6,580 points, or {$65.00}. 

Bank refuses to give me my money.

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 2025-11-05 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: MD

Complaint narrative:
This is a follow-up complaint regarding [ Experian XXXX XXXX XXXX XXXX ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : 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 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 2025-11-05 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:
I am a consumer who is actively working to improve my credit, and I am disputing the following items on my Experian credit report. I respectfully request that you investigate these items to ensure the information is accurate and complies with the Fair Credit Reporting Act ( FCRA ). If any of the information can not be verified, I request that it be removed from my report. 

CHARGED OFF I am disputing the following charged-off account ( s ) with Experian as they appear inaccurately on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES I am disputing the following inquiries on my credit report, as they were either unauthorized or inaccurate : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: RI

Complaint narrative:
Throughout XXXXXXXX XXXX XXXX XXXX XXXXXXXX, USAA has enabled and aided my husband in embezzlement. He is my representative payee with the social security agency and was my primary caretaker. They apparently have a policy where you do not need to provide proof of divorce, you can just say you are. They let him kick me off our home owners, life, car, jewelry insurances. They let him steal all the money from the bank accounts including my XXXX funds that were disbursed in the accounts and partial funds from my account devoted to XXXX and FASFA funds I received. They said well hes the primary account holder hes the one entitled not me. Now tho, they had given me a credit for the money then took it back so the accounts are negative. They started harassing me and demanding I pay the debt. When I asked why would I owe it? They responded that I am the secondary and just as equally responsible as him. They even temporarily locked my social security banking account so I had no funds for awhile. I lost it on them and said to leave me alone and I am getting legal support. I cried to them saying this was embezzlement and abuse and we werent even divorced. That I am XXXX and that is my social security account. The transactions even say theyre from FASFA and SSA and they did not care. Now Im apparently equally responsible for the debt but not equally entitled to the funds in the accounts? They let him remove me off everything and now are charging me a lot of money for a personal car insurance plan. We are not divorced at all and they keep putting it on my file as he wishes. I need help.

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 2025-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
I received a notice from The Collection Bureau of America stating that I owe them for a debt amount of {$17000.00} for a XXXX XXXX XXXX account. I contacted their office to request an itemized billing history of why I owe them this balance. 

A representative named of XXXX on a recorded phone call stated, " She is unable to give me the billing history, they do not possess it, I would have to get it from the original creditor XXXX XXXX  XXXX '' Which I would like to note is a violation under the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau 's ( CFPB ) debt collection rules. 

After reviewing the collection on my credit report, I found other errors and possible violation of my rights in this matter. 

First, they were unable to verify the billing history with me, there was verbal admission and as you will see in the collection letter they sent and that I have attached there is no itemized billing history to explain why or how I owe them that balance they are claiming. 

Second, the address they are claiming I owe them for is incorrect. I have never resided at the address. There is a discrepancy with that. Below I have attached a current XXXX XXXX XXXX statement that is legitimacy mine where I reside. 

Last, a critical inaccuracy regarding the date associated with the collection account from The Collection Bureau of America is the first delinquency ( DFD ) listed on my credit report is XX/XX/XXXX. 

This date is fundamentally inaccurate. The original service associated with this account had a install date of XX/XX/XXXX. The DFD can not be changed or " re-aged '' when an account is sold. 

This inaccuracy alone is a violation of the Fair Credit Reporting Act. The debt is improperly reported as a new item, and the original reporting period has possible been extended and collection efforts were resumed. 

I proceeded to file a online dispute with Equifax regarding this matter on XX/XX/XXXX. I sent them a copy of my Drivers License, SSN, Current XXXX XXXX  XXXX Bill, Collection Letter and a written dispute letter. However, I did not catch the date inaccuracy error that I notated in this complaint until after I submitted the dispute with XXXX. That's my reasoning for it being notated here. Also I attached my dispute letter to XXXX. 

I am still awaiting to get the results back from XXXX regarding my dispute. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
The false information listed provides a misleading picture of my financial conduct. Please update my account to reflect accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: MD

Complaint narrative:
I am submitting this dispute regarding inaccurate information in my Experian credit report. I respectfully request that Experian review and correct the disputed items as outlined below. If any information can not be verified, I request its removal. 

Disputing Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$910.00} XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$2100.00} Disputing Inquiries : XXXX XXXX  Date Open : XX/XX/XXXX Consumer Portfolio Services Date Open : XX/XX/XXXXXXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX Disputing Positive Accounts : Currently, no positive accounts are reported for dispute with Experian. 

Disputing Late Payments : XXXX  XXXX Account Number : XXXX ( Provide further clarification of the issue if necessary )

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-11-05 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 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 2025-11-05 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 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 non-monetary relief
Consumer complaint received 2025-11-05 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I am filing this complaint against TD Auto Finance for reporting an inaccurate and unverified charge-off account on my credit report. The account is TD AUTO FIN XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance Owed : {$9800.00}, listed as a charge-off. 

I have no knowledge, contract, or relationship with TD Auto Finance related to this alleged account. This entry appears to be false or unverified, and the furnisher has failed to provide any supporting documentation or proof of ownership linking me to this debt. Reporting a charge-off without proper verification is a violation of the Fair Credit Reporting Act ( FCRA ), including 607 ( b ) ( requirement for maximum possible accuracy ) and 611 ( a ) ( requirement to verify disputed information ). 

This inaccurate reporting is damaging my credit reputation and causing financial harm. Despite prior disputes, TD Auto Finance has not produced any valid evidence confirming that this account is legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I purchased a hotel room from the dates of XX/XX/XXXX through XX/XX/XXXX. I secured the reservation via XXXX and it was financed by a AFFIRM. I had an incident at the hotel that was almost life-threatening where I was locked in the bathroom for XXXX hours and the night of my arrival. first responders finally came and were able to rescue me from the bathroom. There was also no staff on duty at the hotel that evening. I filed a complaint with the Hotel who agreed to refund me the full stay amount. That amount was refunded on XX/XX/XXXX. I have called XXXX on numerous occasions as well as Affirm they will not honor the refund, but are still requiring me to pay them for monies that they have already received back. I feel they are fraudulent. The hotel provided me with an email showing they refunded the money XX/XX/XXXX. I contacted XXXX who then told me they have to go through the third-party vendor and have the hotel verified via email that the refund was issued. The hotel responded with proof that they sent the refund then XXXX stated well now you have to answer another email from our third-party collector. Its all smoke and mirrors and bells and whistles to defraud the general public. They need to be penalized for this sort of predatory behavior. They are requiring me to pay for a loan that was refunded so theyre now being paid twice via through the Hotel and now myself and if I dont pay, theyre going to ruin my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AAA Collections
State: AZ

Complaint narrative:
I received first debt collection letter dated XX/XX/XXXX. It read that it is for medical debt from several years ago, we were members of a health insurance co-op at the time, and had no notice from the hospital that we owed them at the time of the healthcare. I sent a letter of dispute to the collection agency via certified mail on XX/XX/XXXX, letter was received on XX/XX/XXXX. I have attached proof the dispute letter was delivered to the correct address and within the XXXX  day window below. I have received no correspondence of any kind from the collection agency since that indicates they acknowledged the dispute, verifies who owns the debt, proof of last payment made on the account, or proof that they are licensed to collect debt in the applicable States. The collection agency also sent another debt collection letter dated XX/XX/XXXX, and another dated XX/XX/XXXX, which both are a violation of Fair Debt Collection Practices Act, and the reason for this complaint I am filing with the Consumer Financial Protection Bureau.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation