vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Summary of Issue : I am disputing TD Banks continued reporting of late payments on my TD Bank credit card account ( ending in XXXX ) for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During these months, I was severely impacted by the XXXX XXXX XXXX XXXX  ( XXXX XXXX ) and became ill, which caused financial hardship and temporary inability to make payments on time. 

Under the CARES Act and the Fair Credit Reporting Act ( FCRA ), furnishers were required to report accounts in accordance with any accommodations made due to XXXX. My account should have been reported as current during this period. TD Bank failed to make this correction despite multiple direct requests. 

Actions I Have Taken : XX/XX/XXXX Sent a goodwill adjustment request to TD Bank by mail and fax, citing XXXX illness and requesting removal of the late payments ( attached ). 
XX/XX/XXXX Filed formal disputes with XXXX  and XXXX, specifying the months and citing the CARES Act. Both disputes were verified without correction.

Made multiple phone calls to TD Bank customer service regarding this matter. 
Provided all necessary account details and supporting evidence in writing. 

Why This Is a Violation : TD Banks continued reporting of these late payments despite notice and proof of XXXX hardship violates the CARES Act reporting requirements and the FCRAs mandate to accurately and fairly report consumer credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: MS

Complaint narrative:
MORE FRAUDULENT ACCOUNTS ARE BEING REPORTING ON MY ACCOUNT. THERE IS AN INQUIRY FROM XXXX XXXX THAT DOES NOT BELONG TO ME THAT NEEDS TO BE REMOVED. TWO CREDIT CARDS FROM XXXX  XXXX XXXX  THAT DOES NOT BELONG TO ME ALSO NEEDS TO BE REMOVED. THE CARDS ARE SHOWING CLOSED BUT THEY ARE STILL REPORTING PAYMENT HISTORY. THE PAYMENT HISTORY REPORTING NEEDS TO STOP. NO INFORMATION FROM XXXX  XXXX XXXX  SHOULD BE REPORTING ON MY CREDIT REPORTS. I HAVE 2 CURRENT AND ACTIVE CREDIT CARDS THAT I HAVE PAID OFF THE BALANCE AND THE BALANCES NEED TO BE CORRECTED ON MY CREDIT REPORT FOR XXXX XXXX AND XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-08-09 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: MS

Complaint narrative:
MORE FRAUDULENT ACCOUNTS ARE BEING REPORTING ON MY ACCOUNT. THERE IS AN INQUIRY FROM XXXX XXXX THAT DOES NOT BELONG TO ME THAT NEEDS TO BE REMOVED. TWO CREDIT CARDS FROM XXXX  XXXX XXXX  THAT DOES NOT BELONG TO ME ALSO NEEDS TO BE REMOVED. THE CARDS ARE SHOWING CLOSED BUT THEY ARE STILL REPORTING PAYMENT HISTORY. THE PAYMENT HISTORY REPORTING NEEDS TO STOP. NO INFORMATION FROM XXXX  XXXX XXXX  SHOULD BE REPORTING ON MY CREDIT REPORTS. I HAVE 2 CURRENT AND ACTIVE CREDIT CARDS THAT I HAVE PAID OFF THE BALANCE AND THE BALANCES NEED TO BE CORRECTED ON MY CREDIT REPORT FOR XXXX XXXX AND XXXX XXXXXXXX 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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MicroBilt / PRBC (formerly CL Verify)
State: UT

Complaint narrative:
I am requesting immediate corrective action against Microbilt, for engaging in unfair, unsafe, and unlawful practices in the handling of consumer file disclosures and security freezes.

Microbilt requires consumers to send highly sensitive identifiers including a government-issued ID, proof of address, date of birth, and in many cases a full Social Security number by physical postal mail in order to process security freezes, disputes, or file disclosures.

This practice is : Inconsistent with FCRA 609 ( a ) Right to obtain file disclosures in a clear and accurate manner.

611 ( a ) Right to dispute and have a reasonable reinvestigation.

610 ( a ) Obligation to provide clear and reasonable means of dispute.

The forced use of physical mail is not a reasonable means when secure, encrypted, electronic submission is possible and standard in the industry.

Contrary to GLBA Privacy Obligations Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) mandates the safeguarding of consumers personal information.

Forcing sensitive identifiers into physical mail a method known to be vulnerable to loss, theft, or interception fails to meet reasonable security standards.

Creates a Foreseeable Risk of Identity Theft Postal mail is not encrypted and passes through multiple hands.

If lost, stolen, or misplaced by the recipient, the consumer is at immediate risk of identity theft, financial fraud, and privacy violations.

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 2025-08-09 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:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: FL

Complaint narrative:
Subject : Formal Dispute Illegal Re-Aging of XXXX Student Loan Account I am formally disputing the reporting of an alleged student loan account that has appeared on my credit file in XXXX. The account is being reported as current or recently delinquent, but the alleged debt dates back to XXXX more than XXXX decades ago. 

I have not made any payment, signed any new agreement, or had any activity on this account since XXXX. As such, the date of first delinquency is fixed in that year and can not legally be updated to reflect a more recent date without my written acknowledgment or payment neither of which has occurred. 

This recent appearance constitutes illegal re-aging of the account in violation of the Fair Credit Reporting Act ( FCRA ), 605 ( a ).

Under FCRA 605 ( a ) ( 5 ), a federal student loan may only be reported for XXXX years from the date of default or the date it is paid in full, whichever is later. 
My default occurred in XXXX, which is far outside the allowable credit reporting period. 
While the U.S. Department of Education may continue to attempt collection, the FCRA clearly prohibits placing this decades-old account back on my credit file in XXXX. 

I demand the immediate deletion of this account from my credit report and cessation of any reporting to the credit bureaus. Please provide : XXXX. The original creditors name and account number ; XXXX. The date of first delinquency in your records ; XXXX. All documentation you are using to justify the current reporting date. 

This is a formal dispute under the FCRA. If this account is not removed within the statutory period, I have file a complaint with the Consumer Financial Protection Bureau ( CFPB ), and will do so with the Federal Trade Commission ( FTC ), and my states Attorney Generals office, and will consider legal remedies for willful noncompliance. 

Please respond in writing to the address listed above. 

Sincerely, 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 2025-08-09 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: FL

Complaint narrative:
Subject : Formal Dispute Illegal Re-Aging of XXXX Student Loan Account I am formally disputing the reporting of an alleged student loan account that has appeared on my credit file in XXXX. The account is being reported as current or recently delinquent, but the alleged debt dates back to XXXX more than XXXX decades ago. 

I have not made any payment, signed any new agreement, or had any activity on this account since XXXX. As such, the date of first delinquency is fixed in that year and can not legally be updated to reflect a more recent date without my written acknowledgment or payment neither of which has occurred. 

This recent appearance constitutes illegal re-aging of the account in violation of the Fair Credit Reporting Act ( FCRA ), 605 ( a ).

Under FCRA 605 ( a ) ( 5 ), a federal student loan may only be reported for XXXX  years from the date of default or the date it is paid in full, whichever is later. 
My default occurred in XXXX, which is far outside the allowable credit reporting period. 
While the U.S. Department of Education may continue to attempt collection, the FCRA clearly prohibits placing this decades-old account back on my credit file in XXXX. 

I demand the immediate deletion of this account from my credit report and cessation of any reporting to the credit bureaus. Please provide : XXXX. The original creditors name and account number ; XXXX. The date of first delinquency in your records ; XXXX. All documentation you are using to justify the current reporting date. 

This is a formal dispute under the FCRA. If this account is not removed within the statutory period, I have file a complaint with the Consumer Financial Protection Bureau ( CFPB ), and will do so with the Federal Trade Commission ( FTC ), and my states Attorney Generals office, and will consider legal remedies for willful noncompliance. 

Please respond in writing to the address listed above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: KS

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 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 2025-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Portfolio Recovery calls all the time, early morning and late night and on the weekend. I have requested information and they refused to send only to continue with there aggressive collection tactics. I need to see everything about the account. They need to prove they own the account or working on behalf of the original creditor. I need to see everything. I have requested this but yet they continue to harass me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: NC

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 2025-08-09 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: NC

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 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Avant Holding Company, Inc.
State: KY

Complaint narrative:
Call the company and ask for the information. And they said that the signature was done electronically. They said to file a police report. I tried to do that, and they said that the statute of limitations had ended that I would need to get an IC3 report and also a federal fraud report. I have gotten the IC3 report and now needing a federal fraud report for them to take it off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: IA

Complaint narrative:
Multiple inaccurate accounts are reporting to my credit profile

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 2025-08-09 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: WI

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: MI

Complaint narrative:
On XXXX XXXX I submitted a letter to all three credit reporting agencies stating that there were fraudulent accounts reporting on my report. I quoted the law 15 U.S.C. 1681c2 ( FCRA Section 605B ) and requested the accounts be removed in 4 business days. It has been more than 4 business days and they have not removed it so this is a follow up demanding the removal of the negative accounts before I escalate this to the XXXX  and take legal action.

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 2025-08-09 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: MI

Complaint narrative:
On XXXX XXXX I submitted a letter to all three credit reporting agencies stating that there were fraudulent accounts reporting on my report. I quoted the law 15 U.S.C. 1681c2 ( FCRA Section 605B ) and requested the accounts be removed in 4 business days. It has been more than 4 business days and they have not removed it so this is a follow up demanding the removal of the negative accounts before I escalate this to the XXXX  and take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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 am a victim of identity theft. I checked my credit today and there are several accounts ive never opened. Someone has used my personal information to open these fraudulent accounts without my consent and authorization. Inquiries are 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 2025-08-09 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: MA

Complaint narrative:
I submitted a formal dispute to the credit bureau, along with all documentation required under federal lawincluding a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Bseeking the prompt removal of fraudulent information from my credit report. Despite full compliance with these statutory requirements, the bureau failed to block the disputed information within the four-business-day period mandated by law. I respectfully request that the CFPB investigate this clear violation of the Fair Credit Reporting Act and take appropriate enforcement action to ensure the permanent deletion of the fraudulent data. Enclosed are copies of my dispute letter and all supporting documentation for your review.

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