vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 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: MD

Complaint narrative:
I am submitting this formal complaint regarding an inaccurately reported XXXX XXXX Bank XXXX charge-off account on my credit report with Experian. This account contains multiple FCRA violations that have not been resolved through repeated disputes. Please see full details below : Complaint Summary : I am filing this complaint against both Equifax and Experian regarding a charged-off account reported by XXXXXXXX XXXX XXXX  XXXX XXXXhat contains multiple inaccurate, inconsistent, and unverifiable entries, which are in violation of the Fair Credit Reporting Act ( FCRA ). 

Background : - Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX  XXXX Account Opened : XX/XX/XXXX - Charge-Off Status : XX/XX/XXXX - Current Balance Reported : {$1600.00} - Credit Limit : {$1500.00} I have disputed this account multiple times over the past year with both bureaus. Each time, the account has come back as " verified '' - yet no actual proof of validation or documentation has ever been provided. 

Violations & Inaccuracies Identified : XXXX. Re-aging of Account ( FCRA 15 USC 1681c ( a ) ( 4 ) ) : - Experian reports the balance as recently updated in XX/XX/XXXX despite the charge-off occurring in XX/XX/XXXX. 
- Equifax shows a " Delinquency First Reported '' date of XX/XX/XXXX even though the " Date of First Delinquency '' is XX/XX/XXXX. 

XXXX. Continuing to Report Charge-Off ( FCRA 605 ( a ) ( 4 ) ) : - Both Experian and Equifax continue to report charge-off remarks well into XXXX and XXXX. 

XXXX. Conflicting Data Across Bureaus ( FCRA 607 ( b ) ) : - Experian and Equifax report different dates for first delinquency and initial delinquency reporting. 

XXXX. Lack of Verification Transparency ( FCRA 1681i ) : - Both bureaus continue to mark my disputes as " verified '' but have not provided documentation or method of verification.

- Under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), CRAs must describe their reinvestigation method. 

Relief Requested : XXXX. Immediate deletion of the XXXX XXXX XXXX  XXXX account XXXX 
XXXX. A full and detailed copy of the method of verification used by each bureau. 
XXXX. All supporting documentation used by the furnisher. 
XXXX. Explanation of how this item remains " verified '' despite conflicts. 

Conclusion : This ongoing reporting of inaccurate and unverifiable data constitutes willful noncompliance. If not deleted and lawfully verified, I will pursue 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 2025-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WLCC
State: MA

Complaint narrative:
My understanding was XXXX had autopay, however this may not be the case. I have fees and charges from XX/XX/year> since they state no payment was received at that time. 

When I spoke with an employee XX/XX/year> at XXXX AM I was informed that there is no autopay functionality ; however, when searching online it appears that XXXX does offer autopay functionality. Has this changed without notifying customers? 

Additionally, the employee informed me there is no way to contest these charges and fees, which seems unlikely to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: PA

Complaint narrative:
I received a copy of my credit report and am writing to dispute the following information that appears on my credit report. 
Please verify or remove immediately the following accounts : XXXX I dont remember ever being late with a payment on this account. 
Please provide statements and records of all payments made and missed since I opened this account. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. 
I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in 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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I submitted a written dispute to XXXX  and Bank of America demanding the immediate correction of the following inaccuracies on my credit report regarding my Bank of America account ( Limit : {$500.00}, Opened : XX/XX/XXXX ) : XXXXXXXX XXXX XXXX  False Account Status XXXX XXXX XXXX XXXX XXXX Error XXXX XXXX XXXX Account incorrectly reported as " closed '' on XX/XX/XXXX. 
XXXX XXXX XXXX  ProoXXXX XXXX XXXX XXXX  Payment history shows XX/XX/XXXX months marked " '' ( on-time ) for XXXX. 
Last payment recorded on XX/XX/XXXX inconsistent with a " closed '' status. 

2. XXXX XXXX Incorrect Delinquency Reporting XXXX XXXX XXXX XXXX XXXX Error XXXX XXXX XXXX Falsely labeled " In Collections/Charge-off '' with {$660.00} past due. 
XXXX XXXX XXXX  Proof XXXX XXXX XXXX No late payments ( " X '' ) in XXXX all months show " ''. 
" 8 % on-time payments '' claim contradicts the -marked history. 

3. XXXX XXXX Inflated Credit Utilization XXXX XXXX XXXX XXXX XXXX  Error XXXX XXXX XXXX  Reported balance of {$660.00} ( 133 % of {$500.00} limit ) despite : Active payments through XX/XX/XXXX. 
No evidence of valid debt. 

XXXX XXXX  Legal Violations : XXXX XXXX XXXX XXXX XXXX FCRA 611 XXXX XXXX  : Failure to maintain reasonable procedures to ensure maximum possible accuracy. 
XXXX XXXX XXXX  FDCPA 807 ( 8 ) XXXX XXXX XXXX  Misrepresenting the character/amount of debt. 

XXXX XXXX  Demands XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  removal XXXX XXXX of : " Collections/Charge-off '' status and {$660.00} debt. 
All " X '' ( late payment ) notations for XXXX. 
- Correction to reflect : 100 % on-time payment history. 
Accurate account status ( open/closed per actual use ). 
- Written confirmation of corrections within 30 days. 

* Attached Evidence : * - Screenshots of conflicting reports ( TransUnion, dated XX/XX/XXXX ). 

* Impact : * These errors have caused : Unjustified credit score damage. 
Denial of credit opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a written dispute to TransUnion and XXXX XXXX XXXX demanding the immediate correction of the following inaccuracies on my credit report regarding my XXXX XXXX XXXX account ( Limit : {$500.00}, Opened : XX/XX/XXXX ) : XXXX. XXXX XXXX  False Account Status XXXX XXXX XXXX XXXX XXXX  Error XXXX XXXX  : Account incorrectly reported as " closed '' on XX/XX/XXXX. 
XXXX XXXX  XXXX Proof XXXX XXXX : Payment history shows XX/XX/XXXX months marked " '' ( on-time ) for XXXX. 
Last payment recorded on XX/XX/XXXX inconsistent with a " closed '' status. 

XXXX. * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ErroXXXX XXXX XXXX  : Falsely labeled " In Collections/Charge-off '' with {$660.00} past due. 
- * * Proof * * : No late payments ( " X '' ) in XXXX all months show " ''. 
" 8 % on-time payments '' claim contradicts the -marked history. 

XXXX. XXXX XXXX  Inflated Credit Utilization XXXX XXXX XXXX XXXX XXXX  Error XXXX XXXX XXXX Reported balance of {$660.00} ( 133 % of {$500.00} limit ) despite : Active payments through XX/XX/XXXX. 
No evidence of valid debt. 

XXXX XXXX  Legal Violations XXXX XXXX XXXX XXXX XXXX XXXX  FCRA 611 XXXX XXXX  : Failure to maintain reasonable procedures to ensure maximum possible accuracy. 
XXXX XXXX XXXX  FDCPA 807 ( 8 ) XXXX XXXX  : Misrepresenting the character/amount of debt. 

XXXX XXXX Demands : XXXX XXXX XXXX XXXX XXXX Immediate removal XXXX XXXX of : " Collections/Charge-off '' status and {$660.00} debt. 
All " X '' ( late payment ) notations for XXXX. 
- Correction to reflect : 100 % on-time payment history. 
Accurate account status ( open/closed per actual use ). 
- Written confirmation of corrections within 30 days. 

* Attached Evidence : * - Screenshots of conflicting reports ( TransUnion, dated XX/XX/XXXX ). 

* Impact : * These errors have caused : Unjustified credit score damage. 
Denial of credit opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: FL

Complaint narrative:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


3. Incorrect Employers :. My correct Employer is : XXXX XXXX Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: FL

Complaint narrative:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


3. Incorrect Employers :. My correct Employer is : XXXX XXXX Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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 writing to formally dispute several unauthorized hard inquiries that have appeared on my TransUnion credit report. I am a verified victim of identity theft, and I believe these inquiries were made without my knowledge or consent by individuals using my personal information fraudulently obtained during well-documented data breaches, including but not limited to the XXXX  XXXXXXXX XXXX XXXXXXXX and 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 non-monetary relief
Consumer complaint received 2025-05-10 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: KY

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit report notice some accounts that I am not familiar with. I asked CRA 's for validation of debt., however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. I am writing to dispute inaccurate information on my credit report related to any account that does not belong to me. I am a victim of a data breach, and my personal information was used without my consent to open this account. 

This account was opened fraudulently and should not be associated with my credit profile. I have never authorized or conducted any transactions related to this account. 

Please investigate this matter, remove the account from my credit report, and provide written confirmation of the removal. I am attaching [ police report/FTC identity theft affidavit/data breach notification letter, if available ] as supporting documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: IN

Complaint narrative:
Here We go again w Experian " The Newest version and Latest Thang " Experian has reported my credits in the XXXX range on their website for Equifax and TransUnion... I personally spoke w a representative and supervisor of Equifax regarding this matter and Repeat we can not disclose your credit score over the phone but will send you a copy of it in the mail! But. Did let me know that I was in the XXXX range! Finally.. again I just received a denial letter from rental company that I currently use for my job due Recalls on both XXXX XXXX XXXX and XXXX XXXX XXXX issues engine, tires, brakes, airbags wheelbearing caliber etc on a XXXX  .. so Experian is doing everything to get back at me... Enclosed what Experian has!! Why are the score different!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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:
A XXXX XXXX loan was fraudulently put on my Transunion report and I never authorized. Also several inquiry attempts was add to my account I never authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
I am filing this complaint regarding TD Banks failure to complete necessary verification for wire transfers in a timely manner, which caused major disruptions and financial inconvenience. 

On XX/XX/year>, I visited the TD Bank branch on XXXX XXXXXXXX XXXX XXXX XXXX after being instructed to appear in person to enable wire transfer functionality despite living in XXXX, where TD has no branches. I needed to urgently send funds to a contractor, but due to delays and verification issues, I was forced to attempt a Bill Pay instead. That check took over a week to arrive, and once deposited, TD Bank labeled it as fraudulent, triggering account restrictions for the contractor and a closure attempt on my own account. 

I ultimately had to fly across the country to withdraw over {$11000.00} in person. At the branch, staff service was dismissive and unprofessional, and while someone attempted to verify my wire capabilities, I later learned through TDs customer service that no verification had been completed. As of today, XX/XX/XXXX, I still do not have access to online wire transfers, despite repeated follow-up calls and promises of a callback from the branch XXXX none of which have been honored. 

I am seeking XXXX assistance in holding TD Bank accountable for this ongoing failure to provide basic, promised services and to ensure I am able to use the online wire functionality without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: MS

Complaint narrative:
XXXX XXXX have on my credit report with TransUnion and Equifax a collection for XXXX plus dollars for a voluntary repossession. I have attempted to dispute with credit bureaus and each time it's verified as accurate. However after reaching out to XXXX XXXX, XXXX dollars were charged off. I've never received a right to dispute as well as a 1099c to report the charged off amount as income on my tax return. This isn't a valid debt and should not be reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: NC

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: CA

Complaint narrative:
I am requesting the description of reinvestigation dure according to 15 USC 1681i ( 7 ) states if requested by mer, this must be provided within 15 days in order to be pliance with FCRA guideline. Also inaccurate information on all three credit reports. 


XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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 requesting the description of reinvestigation dure according to 15 USC 1681i ( 7 ) states if requested by mer, this must be provided within 15 days in order to be pliance with FCRA guideline. Also inaccurate information on all three credit reports. 


XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: AL

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