vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 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:
It has come to my attention my personal information has been exposed in a national data breach. Reviewing my credit reports, I notice some accounts I am unfamiliar with. I have ask the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, | have submitted a FTC complaint reporting the information i am not familiar with. 

Please find attached a copy of My ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a Validation of debt Letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on 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 explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
A collection company Name AWA Collections is stating on my credit report that they are collection on a debt that I owe to XXXX XXXX.they have also altered the dates I don't have a outstanding debt with the XXXX XXXX. This negative information is affecting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804
of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts with XXXXXX/XX/XXXXXXXX, and XXXX have never been late. I have maintained an excellent payment history with XXXX XXXX, with all payments set to Autopay. The late payment currently being reported is the result of a systematic error on the companys end in processing my payment, and is clearly a billing errornot a reflection of my actual payment history. This violates 15 U.S.C. 1681e ( b ). This inaccurate reporting has caused serious harm to my reputation, character, way of life, and my family. I demand the removal of this late payment. The creditors are not in compliance with 15 U.S.C. 1666b, which sets the legal standards for determining when a payment can be treated as late. Under 15 U.S.C. 1666b ( a ), a creditor may not treat a credit card payment as late unless they have reasonable procedures to ensure that each periodic statementincluding the disclosures required under 15 U.S.C. 1637 ( b ) is mailed or delivered to the consumer at least 21 days before the payment due date. XXXX, XXXX XXXX, XX/XX/XXXX, and XXXX failed to provide these statements and disclosures. I have requested proof that this information was sent at least 21 days prior to the due date, as allowed under Rule 1002, but no such proof has been provided. This conduct is unfair, illegal, fraudulent, and inequitable to me as a consumer. I demand that all late payments be deleted from my consumer reports immediately.

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 2025-08-20 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:
My accounts with XXXXXX/XX/XXXXXXXX, and XXXX have never been late. I have maintained an excellent payment history with XXXX XXXX, with all payments set to Autopay. The late payment currently being reported is the result of a systematic error on the companys end in processing my payment, and is clearly a billing errornot a reflection of my actual payment history. This violates 15 U.S.C. 1681e ( b ). This inaccurate reporting has caused serious harm to my reputation, character, way of life, and my family. I demand the removal of this late payment. The creditors are not in compliance with 15 U.S.C. 1666b, which sets the legal standards for determining when a payment can be treated as late. Under 15 U.S.C. 1666b ( a ), a creditor may not treat a credit card payment as late unless they have reasonable procedures to ensure that each periodic statementincluding the disclosures required under 15 U.S.C. 1637 ( b ) is mailed or delivered to the consumer at least 21 days before the payment due date. XXXX, XXXX XXXX, XX/XX/XXXX, and XXXX failed to provide these statements and disclosures. I have requested proof that this information was sent at least 21 days prior to the due date, as allowed under Rule 1002, but no such proof has been provided. This conduct is unfair, illegal, fraudulent, and inequitable to me as a consumer. I demand that all late payments be deleted from my consumer reports immediately.

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 2025-08-20 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: OH

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Law Offices of Robert J. Colclough, III
State: CA

Complaint narrative:
Recieved a memorandum of costs after judgement, acknowledgement of credit, and declaration of accrued debt. I called and email the attorney and received to response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
inn my entire life, I have had perfect credit excepting two periods of time due to flagrant errors by bank of america that they refused to acknowledge. This is the second time in 18 years such has been the case. My credit score has been XXXX for many years with all reporting agencies. it is now dropped to XXXX because bank of america closed one of 3 credit card accounts that I have with them without my consent and they claim that I asked for such to occur on XXXX XXXX XXXX which is untrue. 

I have had credit with them for 38 years. 20 years ago, over a {$20.00} payment, they caused me years challenge trying to get justice and now it is occurring again. I am XXXX XXXX XXXX and this is distressing and unfair to a level that has emotional impact and most probably, it will have practical financial impacts once again if it is not fixed quickly. 

I need for them to reopen this account or cure this problem they have created for me. It is beyond unfair to work your entire life for perfect credit and have a dishonest company deny you of your earned entitlement. 

Please help. 

thank you

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 2025-08-20 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: KS

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
5 month target charge me for a late fee but I wasnt late, I been writing and calling not going anywhere but now they are charging more fee for their fraud late charge. Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
XXXX uses Synchrony and I have my account set to electronic statements only BECAUSE they charge you {$2.00} for paper statement. Obviously we live in an electronic world and I do not need a paper statement. I have received this charge MULTIPLE times and I have called them MULTIPLE TIMES to the point where I am extremely XXXX because they continue to charge me. They have had to refund me all the times and they keep telling me this wont happen anymore yet here we are and I keep getting charged. I want them held accountable for this and I would like my account closed for good. I am sick and tired of having to take time out of my busy day to deal with their XXXX. They are always rude and make it seem like this is my fault. 
I would appreciate if this gets resolved ASAP Thanks in advance K.

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 2025-08-20 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:
I am submitting this formal complaint against Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with fraudulent accounts that remain on my credit report despite my repeated disputes and submission of legally sufficient documentation. The account in questionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was opened fraudulently and are the result of identity theft. I provided Equifax with a government-issued ID, proof of address, an FTC Identity Theft Report, and a signed statement under penalty of perjury, all of which satisfy the requirements under FCRA 605B . Despite this, Equifax failed to block the fraudulent information within four business days, as required by law. Furthermore, Equifax has violated FCRA 611 ( a ) by failing to conduct a proper reinvestigation of my dispute within the 30- day statutory window. I also requested full disclosure of all information used to verify the disputed accounts, as permitted under FCRA 609 ( a ) ( 1 ) ( A ), but Equifax has not provided this information. These failures constitute both negligent and willful noncompliance with the FCRA, entitling me to damages under 616 and 617.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I reviewed my credit report and noticed inquiries that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: NY

Complaint narrative:
I am filing this complaint against Equifax for their continued reporting of a late payment account on my credit report which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is not only a gross inaccuracy, but it also violates multiple provisions under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] and 607 ( b ) [ 15 U.S.C. 1681e ( b ) ]. I previously submitted a formal dispute regarding this inaccurate entry, yet Equifax failed to conduct a meaningful or lawful reinvestigation. They did not contact the furnisher nor provide any documentation verifying its accuracy. Their handling of the dispute shows noncompliance with the FCRAs requirement to conduct a reasonable reinvestigation. Equifax appears to rely solely on automated systems such as e-OSCAR rather than performing an actual manual review of disputed items or original records. This kind of automated verification process is insufficient under the FCRA, and can not meet the standard of a 'reasonable ' reinvestigation. Further, under FCRA 607 ( b ), Equifax has a legal obligation to ensure the maximum possible accuracy of the information they report. Maintaining a late payment account on my record, with no documentation or proper validation, is a clear and damaging violation of that duty. This error has harmed my credit reputation, caused emotional distress, and denied me access to financial opportunities. In XX/XX/year>, Equifax was fined {$15.00} million for improper investigations and failure to comply with FCRA accuracy requirements .. My experience is consistent with those systemic issues and shows these practices are still ongoing. I am requesting the CFPB to require Equifax to immediately delete the inaccurate information from my credit report, issue a full explanation of their investigation process, and hold them accountable for violating my rights as a consumer. If necessary, I am prepared to pursue compensation for damages under FCRA 1681n and 1681o. I have attached my formal dispute letter dated XX/XX/year>, which further outlines my concerns and demands. I respectfully ask the CFPB to investigate this matter and enforce compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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 recently reviewed a copy of my credit report and I noticed that I had fraudulent accounts on my report. Please remove these fraudulent accounts from my report as they are hurting my ability to obtain credit.

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 2025-08-20 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:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
Schwab has suspended my XXXX profile, and despite reaching out to them multiple times, they have refused to lift the block. The only responses I receive are the same excuses and references to ongoing investigations, which have dragged on for several months. In response to my most recent complaint, I was told I could use a different email or phone number. However, Schwab agents continue to refuse to unblock my existing XXXX profile, leaving me unable to enroll.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$9200.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: AZ

Complaint narrative:
I filed a report & sent multiple letters to the company to get this resolved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: GA

Complaint narrative:
I am disputing Experians continued reporting of two XXXX XXXX tradelines that are inaccurate, unverifiable, and misleading. 

Accounts in question : XXXX Account # XXXX XXXX Account # XXXX New Evidence : After Experians recent reinvestigation, both accounts now show : Status : NO STATUS Balance : Blank Payment history : None available Highest balance : Blank Label : Potentially Negative Despite this, Experians results state : The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. 

This is contradictory and noncompliant : If XXXX XXXX verified the accounts, the original charge-off status, balances, and payment histories would still appear. 

If XXXX XXXX did not verify, Experian is required under FCRA 611 ( a ) ( 5 ) to delete the accounts in their entirety. 

Instead, Experian left two duplicate XXXX tradelines with no status, falsely marked verified, which misleads creditors and damages my credit standing. 

FCRA Violations : 1681i Failure to conduct a reasonable reinvestigation. 

XXXX ( b ) Failure to ensure maximum possible accuracy. 

Demand : I demand that both of these inaccurate, incorrect, and unverifiable XXXX XXXX accounts be immediately deleted from my Experian credit file. 

Further, XXXX XXXX continues to report these two tradelines on Equifax and XX/XX/XXXX which is also unlawful. I therefore demand that Experian delete these two accounts and that XXXX XXXX immediately withdraw both tradelines from all credit reporting agencies.

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