vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I am filing this complaint because TD Bank USA / Nordstrom reinserted a previously disputed and removed tradeline on my credit report without following FCRA procedures and without validating the account as required by law. The re-reporting is unlawful, damaging, and retaliatory in nature. 

Facts : This account was not opened by me. I have never lived at any of the addresses associated with this account. 
I submitted a formal identity theft affidavit to the FTC, filed a police report, and reported the issue to the IC3. 
I properly disputed this account with TD Bank and the Credit Reporting Agencies.

After a prolonged dispute, the account was finally removed from my credit reports due to lack of validation and strong evidence supporting identity theft.

TD Bank reinserted the account after removal, in direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ), which requires : Written notice to the consumer within 5 business days after reinsertion ; Certification of accuracy from the furnisher to the CRA prior to reinsertion.

I received no such notice or certification, and the account remains unverifiable.

Legal Violations : FCRA 611 ( a ) ( 5 ) ( B ) : Reinserted account without notice or certification.

FCRA 623 ( a ) ( 3 ) : Continuing to report inaccurate information after being notified of dispute.

FCRA 623 ( b ) : Failure to conduct reasonable investigation following dispute.

FCRA 605B : Failure to block fraudulent information after receipt of identity theft report.

Relief Sought : 1. Immediate and permanent removal of the Nordstrom/TD Bank account from all credit bureaus.

2. Written confirmation that the account has been deleted and will not be reinserted.

3. Review of TD Banks furnishing procedures for compliance with the FCRA .

4. Monetary damages if applicable for continued reporting of false information and credit harm.

Supporting Documents Available Upon Request : FTC Identity Theft Affidavit Police report IC3 report Copies of credit reports with removal and reappearance Prior dispute correspondence Proof of non-association with addresses linked to the account If this issue is not resolved promptly, I will pursue legal action for statutory damages, actual damages, and attorneys fees under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
" I have repeatedly informed Transunion of inaccuracies in my credit report, yet they continue to report incorrect information. Despite my efforts, they have not made the necessary corrections, which is both unfair and a violation of my rights under consumer protection 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 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: NV

Complaint narrative:
Company : Chime Bank On XXXX XXXX an electronic debit was taken out of my account in the amount of {$2900.00}. Previous to that on XX/XX/XXXX, I was at a concert and lost my phone. My phone is also my wallet. I contacted chime when I noticed the funds were gone. Chime took a claim provided me a claim number and informed me provisional credit will be issued until the claim was completed, Not only did they Not provide any credit my claim was denied twice. I asked for the information that was used to investigate the claim and it was provided via email. The information they used was ridiculous. I provided chime with a full police report dated XX/XX/XXXX. Chime still refuses to provide me my monies back. I have had chime for over 10 years. I have never used my card to this merchant. I tried calling the merchant the number is bogus. I informed Chime I had no knowledge of this transaction thus, providing a police report. They informed me the reasoning behind denying my claim was because everytime I make a purchase I have to verify via text before the transaction is approved, if someone had my phone of course they were able to answer yes to the verification as if they were me. It was not as if a pin was used or a swipe of the card was made. It was done online. They refuse to offer me any type of recuse and just stated the charge was valid I thought providing a full police report would help but it didnt. Chime was just sued and lost the litigation for these exact same reasons. If they do not provide me my funds back it will be lawsuit number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: MI

Complaint narrative:
I am writing to formally dispute a XXXX late payment that was reported on my credit file for the account associated with my student loan in XX/XX/year>. 

According to the payment history reported, the account is shown as Current in XX/XX/year>, and suddenly 90 days delinquent in XX/XX/year> this is inconsistent and not logically or mathematically accurate. A XXXX delinquency implies missed payments for three consecutive months, yet the history shows the account as current just one month prior.

In addition, I was not properly notified of any delinquency, and the loan servicer was using incorrect contact information. I only became aware of the issue after it was reported to the credit bureaus, and I immediately paid the balance in full as soon as I was alerted and able to. This clearly shows no intent to default and immediate resolution upon notification. 

This single error caused my XXXX XXXX to drop from XXXX to XXXX, which is devastating and unfair given my otherwise strong payment history. I am now being penalized and unable to qualify for essential needs like a mortgage or vehicle financing, all based on a reporting inaccuracy and poor communication from the lender. 

I am requesting the following : A full investigation into the accuracy of the XXXX delinquency as reported Removal of the negative mark if the timeline is inaccurate or unverifiable A goodwill adjustment if the information can not be removed on technical grounds Please find attached a screenshot of the account history showing the inconsistency ( XXXX marked current, XXXX marked 90 days late ). I respectfully ask that you resolve this matter as quickly as possible. 

Thank you for your time and attention. 

Sincerely, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: MI

Complaint narrative:
I am writing to formally dispute a XXXX late payment that was reported on my credit file for the account associated with my student loan in XX/XX/year>. 

According to the payment history reported, the account is shown as XXXX in XX/XX/year>, and suddenly 90 days delinquent in XX/XX/year> this is inconsistent and not logically or mathematically accurate. A 90-day delinquency implies missed payments for three consecutive months, yet the history shows the account as current just one month prior.

In addition, I was not properly notified of any delinquency, and the loan servicer was using incorrect contact information. I only became aware of the issue after it was reported to the credit bureaus, and I immediately paid the balance in full as soon as I was alerted and able to. This clearly shows no intent to default and immediate resolution upon notification. 

This single error caused my XXXX XXXX to drop from XXXX to XXXX, which is devastating and unfair given my otherwise strong payment history. I am now being penalized and unable to qualify for essential needs like a mortgage or vehicle financing, all based on a reporting inaccuracy and poor communication from the lender. 

I am requesting the following : A full investigation into the accuracy of the XXXX delinquency as reported Removal of the negative mark if the timeline is inaccurate or unverifiable A goodwill adjustment if the information can not be removed on technical grounds Please find attached a screenshot of the account history showing the inconsistency ( XXXX marked current, XXXX marked 90 days late ). I respectfully ask that you resolve this matter as quickly as possible. 

Thank you for your time and attention. 

Sincerely, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: MI

Complaint narrative:
I am writing to formally dispute a 90-day late payment that was reported on my credit file for the account associated with my student loan in XX/XX/year>. 

According to the payment history reported, the account is shown as Current in XX/XX/year>, and suddenly 90 days delinquent in XX/XX/year> this is inconsistent and not logically or mathematically accurate. A 90-day delinquency implies missed payments for three consecutive months, yet the history shows the account as current just one month prior.

In addition, I was not properly notified of any delinquency, and the loan servicer was using incorrect contact information. I only became aware of the issue after it was reported to the credit bureaus, and I immediately paid the balance in full as soon as I was alerted and able to. This clearly shows no intent to default and immediate resolution upon notification. 

This single error caused my credit score to drop from XXXX to XXXX, which is devastating and unfair given my otherwise strong payment history. I am now being penalized and unable to qualify for essential needs like a mortgage or vehicle financing, all based on a reporting inaccuracy and poor communication from the lender. 

I am requesting the following : A full investigation into the accuracy of the XXXX delinquency as reported Removal of the negative mark if the timeline is inaccurate or unverifiable A goodwill adjustment if the information can not be removed on technical grounds Please find attached a screenshot of the account history showing the inconsistency ( XXXX marked current, XXXX marked 90 days late ). I respectfully ask that you resolve this matter as quickly as possible. 

Thank you for your time and attention. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: PA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: VA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX SSN : XXXX Consumer DOB : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : FRAUDULENT INQUIRIES : * XXXX XXXX ON XX/XX/XXXX * XXXX  XXXX XXXX ON XX/XX/XXXX * XXXX  XXXX  ON XX/XX/XXXX * XXXX  XXXX ON XX/XX/XXXX ( REMOVE IMMEDIATELY ). These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Experian Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID ( Proof of Identity ) -Copy of SSN -FTC ( Federal Trade Commission ) Identity Theft Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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:
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. 

List of Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-15 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief