vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> TD auto finance XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist & Debt Validation Request under 15 U.S.C. 1692c and 1692g To Whom It May Concern, This letter is sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., specifically 1692c, which governs communication with consumers, and 1692g, which guarantees my right to request validation of any alleged debt. 

Please consider this formal notice that : I request full validation of the alleged debt you claim I owe. This includes, but is not limited to : The name and address of the original creditor ; The amount of the alleged debt, with a breakdown of interest, fees, and principal ; A copy of the original signed agreement or contract giving rise to this alleged obligation ; Proof that your agency is authorized to collect this debt on behalf of the creditor. 
I hereby request that you cease and desist from all communication with me concerning this alleged debt, in accordance with 15 U.S.C. 1692c ( c ). This includes contact via phone, email, text messages, or mail, except for communications that comply with the narrow exceptions outlined in the FDCPA ( such as sending verification of the debt or notice of legal action ). 
Please note that until you provide the requested validation, you are prohibited from continuing collection activities, per 15 U.S.C. 1692g ( b ). Any further attempts to collect this debt without validating it may be considered a violation of federal law and will be reported to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). 

This is not an admission of any liability for the alleged debt. I am simply requesting verification as provided under federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: FL

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.

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 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 2025-07-12 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: EQUIFAX, INC.
State: FL

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.

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 non-monetary relief
Consumer complaint received 2025-07-12 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: SC

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 letter

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 2025-07-12 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: SC

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 letter

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Per the court they do both report bankruptcy and stated they have no records of me filing. They also stated the credit bureau should remove due to they do not report and information is incorrect

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 2025-07-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: NV

Complaint narrative:
I keep getting notices for XXXX phone service and my service ended but they still try to get debt that I dnt owe my service ended after a year I went to another phone service because they were charging me outrageous phone bill of XXXX a month for my service after a year had ended but they still billed me anyways I dnt believe this is how to do business so I went to XXXX and its been great

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: CO

Complaint narrative:
The consumer reporting agency is willfully and negligently disregarding its obligations under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B [ 15 U.S.C. 1681c-2 ], by continuing to report accounts and information that are the result of identity theft on my credit file. I have submitted all legally required materials, including a valid Identity Theft Report, proper proof of identity, and a written request for removal. Nonetheless, the agency has failed to block the fraudulent information within the four-business-day period mandated by federal law. This failure constitutes a direct violation of my rights under the FCRA and has resulted in ongoing financial loss and reputational harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: Experian Information Solutions Inc.
State: GA

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.

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 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 2025-07-12 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: TX

Complaint narrative:
Dear [ XXXX ], I am writing to formally dispute the reporting of a closed account currently listed on my credit report. This letter serves as a request for investigation and potential removal in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681.Under Section 611 ( 15 U.S.C. 1681i ) of the FCRA, I have the right to dispute any information on my credit report that I believe is incomplete, inaccurate, unverifiable, or misleading. I believe this closed account falls under one or more of these categories due to the following : : The account contains outdated and/or unverifiable information ; : The account is closed and paid but continues to adversely affect my credit profile ; : The reporting does not accurately reflect the status or resolution of the account ;

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 2025-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Blockchain.com, Inc.

Complaint narrative:
I purchased some XXXX to buy something online waited for it to transfer to the company I was purchasing from nothing happened for weeks on end then I find out it's trapped in blockchair and I have no idea how to get my money back due to the company not wanting to tell me how to do it or guide me in the right direction This is the account/address I'm trying to access if u could help it would mean the world to me and my family I can't just give up and let them take my money your my last chance of hope XXXX and this is the hash number to that transaction XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: SC

Complaint narrative:
The consumer reporting agency has willfully and negligently violated the Fair Credit Reporting Act ( FCRA ), specifically Section 605B [ 15 U.S.C. 1681c-2 ], by continuing to report fraudulent accounts and identity theft-related entries on my credit file. I submitted a valid Identity Theft Report, sufficient proof of identity, and a formal written request for removal in full compliance with the requirements set forth under federal law. However, the agency failed to block the disputed information within the required four-business-day timeframe. This noncompliance represents a direct violation of my rights under the FCRA and has caused ongoing financial and reputational damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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:
Formal Demand for Immediate Deletion of Dept. of Education / XXXX Accounts FCRA 611 and 623 ( a ) ( 8 ) Violations I am writing to demand the immediate deletion of all Dept. of Education / XXXX accounts currently appearing on my Experian credit file. This request is based on your obligations under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i and 1681s-2. 

On XXXX XXXX I submitted a certified dispute directly to Dept. of Education / XXXX, regarding the removal of all accounts in question. The United States Postal Service has provided confirmation that the letter was delivered and signed for, yet no response was received within the 30-day investigation window mandated by federal law. A copy of my original letter to Dept. of Education XXXX XXXX is enclosed with this dispute. 

According to FCRA 1681i ( a ) ( 5 ) ( A ) and 1681s-2 ( b ), the failure of a data furnisher to respond within the statutory timeframe requires the permanent deletion of the disputed accounts. 

In addition to being unverified, the following entries listed under Dept. of Education / XXXX are also being reported with the same account number ( XXXX ) but with different balances, which constitutes duplicative and inaccurate reporting : {$780.00} {$1900.00} {$1700.00} {$1300.00} {$1400.00} This violates Metro 2 data reporting standards, which require a unique and consistent Base Segment per tradeline. Multiple entries using the same account number but varying balances is both deceptive and misleading to any creditor or lender reviewing my report.

Basis for Immediate Deletion : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requires deletion of unverifiable information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Requires accurate and complete reporting.

15 U.S.C. 1681s-2 ( b ) : Requires investigation after notice from a CRA.

Metro 2 Guidelines : Prohibit duplicative tradelines with identical account identifiers.

This is not a request for reinvestigation. This is a demand for immediate removal under federal law due to non-response and duplicative reporting. Experian has an independent duty under the FCRA to ensure the accuracy of the information it reports.

Federal Trade Commission ( FTC ), and state Attorney General, as well as pursuit of damages for willful and negligent noncompliance under FCRA 1681n and 1681o.

Please send me written confirmation that the Dept. of Education / XXXX accounts have been deleted within 5 business days

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 2025-07-12 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: GA

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. 

XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-07-12 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: NC

Complaint narrative:
I closed multiple accounts that are now listed as charge-offs. However, several of these accounts including XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX continued to report monthly as profit and loss charge-offs up through XX/XX/year>. This is inaccurate and misleading reporting. The continued updates on closed, charged-off accounts give the false impression that they are still delinquent or active, which significantly damages my credit profile. 

I formally requested the following from each furnisher : A copy of the original signed contract or agreement An explanation or calculation of the charged-off balance The Date of First Delinquency ( DOFD ) as required by FCRA guidelines Proof of compliance with 15 USC 1681s-2 and 1681e ( b ), which require furnishers and credit bureaus to report with maximum possible accuracy A copy of any 1099-C issued, which would indicate debt cancellation and render continued updates or collection efforts improper. 

To date, I have not received a valid response or proper documentation from any of these furnishers. The accounts are marked as closed but continue to report as delinquent with profit and loss activity, which is not permitted under FCRA once a debt has been forgiven, canceled, or otherwise deemed uncollectible. If a 1099-C was issued on any of these accounts, they should not continue to report any balances or monthly updates at all.

I am requesting the immediate deletion of these accounts from all three credit bureaus due to : Improper and inaccurate reporting of status and balances Continued monthly updates on closed charge-offs Potential 1099-C violations if cancellation of debt has occurred Failure to validate or provide supporting documentation Violations of 15 USC 1681s-2 and 1681e ( b ) These accounts are harming my creditworthiness and are being reported in a manner that misleads future lenders. I request the Consumer Financial Protection Bureau to investigate and enforce the correction or removal of these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: LA

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 non-monetary relief
Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
I filled a complaint through you all the CFPB regarding an accuracy reporting on my credit report through Equifax. I received a response from you all from Equifax stating that this account is CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : NON REPORTING DISPUTES Trade : REGIONAL ACCEPTANCE THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Trade : REGIONAL ACCEPTANCE THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. this account is in fact reporting or my Equifax account in hurting my credit reporting. Im asking that it would be removed as they say it does not report on my credit file.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
Company agreed to remove account from credit reports immediately after they were deceptive to me subprime credit

Company response to consumer: Closed with explanation