vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information that TD Bank USA has reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to dispute this account and request full validation of the alleged debt.

Dispute & Request for Deletion As required by law, you are obligated to report only verified, accurate, and complete information to the credit bureaus. The reported information is incorrect, and if you can not verify its accuracy, it must be removed from my credit report immediately.

Debt Validation Request Under the FDCPA, I am also formally requesting validation of this alleged debt. If you claim this debt is valid, I request that you provide : Proof of your legal authority to collect this debt.

A full account statement with a breakdown of the balance.

Copies of any signed agreements or original contracts proving my liability.

Verification of the chain of ownership if this debt has been sold or transferred.

A copy of any judgment ( if applicable ) authorizing collection.

Orginal contract with wet signature If you are unable to provide the requested validation, you must immediately remove this account from my credit report and cease any further collection efforts.

Cease & Desist Notice Additionally, I am requesting that TD Bank USA cease and desist all communication with me regarding this disputed matter. Any further contact regarding this alleged debt must be done in writing.

I expect a written response within 30 days confirming the results of your investigation. Failure to comply with this request may result in legal action to enforce my rights under the FCRA, FDCPA, and other applicable laws.

Enclosed, I have included : A copy of my credit report highlighting the disputed information.

Any supporting documentation to substantiate my claim.

Please update my records accordingly and provide confirmation in writing once this matter has been resolved. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I had opened this credit since XX/XX/XXXX. And I have paid the payment on time, never one time missed. However, from XX/XX/XXXX up to date, there are two, three times that I only authorized the credit card company to ACH my bank account once on the payment due day. But the credit card company ACHed my bank account twice on the payment due day. Such as the payment due day of XXXX, XXXX was on the XXXX XXXX XXXX, and I Authorized the credit card company ACHing my bank account once of {$28.00}. However Credit card company ACHed my bank account for {$28.00} two times.

Today, I spent more than three hours on the phone with customer service dept of credit card company with no result. They admitted they made mistake but they dont want to fix it, just putting me on hold and then cut me off the phone.

This type of cases have happened twice since I open the credit card with them. I dont remember when the first time happened. But the second time happened this week.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-07 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-03-07 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: PA

Complaint narrative:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence.

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRIES 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 2025-03-07 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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$7200.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$1200.00} XXXX  XXXX Balance : {$3600.00} XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX Balance XXXX {$3100.00} XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXX Balance : {$5800.00} XXXX XXXX  XX/XX/year>

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 2025-03-07 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: NY

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$7200.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$1200.00} XXXX  XXXX Balance : {$3600.00} XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX Balance XXXX {$3100.00} XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXX Balance : {$5800.00} XXXX XXXX  XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: FL

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts that are inaccurate 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 2025-03-07 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: FL

Complaint narrative:
After reviewing my credit report numerous times and consulting a financial advisor I've discovered 2 Credit Cards reporting that I've never opened. The account XXXX XXXX opened on XX/XX/XXXX reporting for {$11000.00}. I discovered this in XX/XX/XXXX. The other account a XXXX XXXX opened on XX/XX/XXXX. I discovered this account on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: FL

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts that are inaccurate XXXX XXXX XXXX. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: DE

Complaint narrative:
National Debt Agency File Number : XXXX Dear Sir/Madam, I am writing to formally dispute a debt that has been reported under my name, which I have no knowledge of. I recently became aware of this alleged debt through a collection notice, credit report, and I am requesting full validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ). 

I do not recognize this debt, and I request that you provide the following : 1. Proof that I am indeed responsible for this debt, including a signed agreement or contract.

2. A complete payment history, including the original creditors information.

3. Verification of the amount owed and an explanation of any fees or interest charges.

4. Evidence that you have the legal authority to collect this debt.

Until proper validation is provided, I request that all collection efforts cease immediately. Additionally, if this debt has been reported to credit bureaus, I demand that it be removed until full verification is completed. If you fail to provide adequate validation, I will consider this matter closed and expect no further contact regarding this alleged debt.

Please respond to my request in writing within the legally required timeframe. Failure to do so may result in me pursuing legal action to protect my rights. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, 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 2025-03-07 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: GA

Complaint narrative:
Subject : Request for Blocking and Deletion of Accounts Due to Data Breach Dear Equifax Dispute Resolution Team, I am writing to formally request the blocking and deletion of certain accounts from my credit file pursuant to 15 U.S.C. 1681c-2 ( a ), which provides protections for victims of identity theft. As a victim of the recent data breach, I have reason to believe that the following accounts were fraudulently created or have been impacted by unauthorized use of my personal information. 

Please take immediate action to block and delete the following accounts from my credit report : DEPT OF ED ( CLOSED ) - Account Number : XXXX XXXX XXXXXX/XX/XXXX CLOSED ) - Account Number : XXXX XXXX XXXX XX/XX/XXXX- Account Number : XXXX XXXX DEPT OF ED ( CLOSED ) - Account Number : XXXX XXXX XXXXXX/XX/XXXX XXXX ( CLOSED ) - Account Number : XXXX XXXX XXXX XX/XX/XXXX - Account Number : XXXX XXXX XXXX XX/XX/XXXX( CLOSED ) - Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX - Account XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - Account XXXX : XXXX XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), I am enclosing the necessary supporting documents, including : A copy of my government-issued identification. 

A copy of my police report or FTC Identity Theft Report. 

Any other relevant documentation supporting my claim. 

Please provide written confirmation once the fraudulent accounts have been removed. If you require any further information, do not hesitate to contact me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Interest rate
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
Hello, As of XX/XX/year>, I took out a home loan for 5.75 % and I recently found out about the Servicemembers Civil Relief Act for Louisiana caps military members ' interest rates at 4 %. I am trying to get this applied to my mortgage because the monthly payments are absurdly high, especially since the seller does not want to honor his end of the closing document which states he would be responsible for the first year 's worth of property taxes. Here is a link to the SCRA law I am referencing : 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