vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
My name is XXXX XXXX and I am the Executor for the Estate of XXXX XXXX. XXXX XXXX passed away on XX/XX/year>. Unauthorized ATM withdrawals in the amount of {$15000.00} was taken from the deceased checking account from XX/XX/year> to XX/XX/year>. TD bank was notified of XXXX XXXX 's XXXX  on multiple occasions via phone : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. I personally went to TD bank and gave the bank representative the Letters XXXX and the death certificate for XXXX XXXX. Despite all this information, TD bank did not freeze the account, block or cancel the ATM debit card, despite being informed on multiple occasions that monies were being withdrawn from the account after the death of XXXX XXXX. 
A complaint was filed and TD Bank refuses to credit the account in the amount of {$15000.00}, claiming that the amounts withdrawn were authorized, despite the fact that the owner of the account was deceased when the amounts totaling {$15000.00} were withdrawn via an ATM.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be rem

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 2025-11-12 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: FL

Complaint narrative:
On XX/XX/year>, a XXXX  representative of IQ Data International called regarding an alleged {$1700.00} balance for XXXX XXXX. He told me i had no options and must pay that day. He also urged me to " use credit cards or take out a personal loan to pay it off. '' He refused to acknowledge my right to dispute or provide documentation. These actions were coercive and misleading in violation of FDCPA 1692e, 1692f, and 1692g. I have since mailed a certified written dispute and am requesting investigation and disciplinary action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
XXXX setup an autopay with my bank, SDCCU, and they have some threshold where it won't pay if the bill is too high, but I would never know because they don't tell people when that happens and they don't pay. So I logged onto my electricity utility account and noticed the payment wasn't made and my new bill is twice as high as normal. I then paid what was past due with that company and cancelled my autopay and removed that biller from my bank account since I can't trust it. I want them to pay any late fees and damages if this hurts my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: IL

Complaint narrative:
I am writing to formally dispute the accuracy of a Discover Card account that appears on my credit file. This account does not belong to me. I have never applied for, opened, or authorized this account in any way. 



Under 15 U.S.C. 1681b, a consumer reporting agency may only furnish my credit report for specific, permissible purposes. Reporting an account that does not belong to me constitutes a violation of the Fair Credit Reporting Act, as it does not meet the standard of accuracy and permissible use. 



I demand that this Discover CARD account be investigated and permanently removed from my credit file. Please provide written confirmation of your findings and the results of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been disputing this account for more than 45 days, asking both Equifax and XXXX to provide verification that I am legally responsible for this account. I specifically requested : Proof of how they verified ownership or liability. 
Documentation or records from XXXX XXXX confirming that I am a primary account holder. 
The method of verification used, as required under FCRA 611 ( a ) ( 2 ) ( B ). 
Neither Equifax nor XXXX has provided any documentation, nor have they corrected the inaccurate reporting. The account continues to report falsely without the required disputed notation.Equifax and XXXX are both inaccurately reporting my XXXX XXXX account ( Account # XXXX ) as my personal responsibility instead of an authorized user account. This is a factually inaccurate and misleading report under FCRA 607 ( b ), which requires credit bureaus to ensure maximum possible accuracy.

This account belongs to another individual, and I am listed only as an authorized user. Under Metro 2 reporting standards ( ECOA Code 3 ), an authorized user account should not report any delinquencies or derogatory payment history because the authorized user has no contractual obligation to the debt. 
Both bureaus continue to display inaccurate data late payments ( 30, 60, 90, 120 days ), a high balance, and Account not disputed which violates FCRA 611 ( a ) and Metro 2 6.2.1 ( data integrity requirements ). This creates the false appearance that I was late or delinquent, which is harming my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been disputing this account for more than 45 days, asking both XXXX and TransUnion to provide verification that I am legally responsible for this account. I specifically requested : Proof of how they verified ownership or liability. 
Documentation or records from XXXX XXXX confirming that I am a primary account holder. 
The method of verification used, as required under FCRA 611 ( a ) ( 2 ) ( B ). 
Neither XXXX  nor TransUnion has provided any documentation, nor have they corrected the inaccurate reporting. The account continues to report falsely without the required disputed notation.Equifax and TransUnion are both inaccurately reporting my XXXX XXXX account ( Account # XXXX ) as my personal responsibility instead of an authorized user account. This is a factually inaccurate and misleading report under FCRA 607 ( b ), which requires credit bureaus to ensure maximum possible accuracy.

This account belongs to another individual, and I am listed only as an authorized user. Under Metro 2 reporting standards ( ECOA Code 3 ), an authorized user account should not report any delinquencies or derogatory payment history because the authorized user has no contractual obligation to the debt. 
Both bureaus continue to display inaccurate data late payments ( 30, 60, 90, 120 days ), a high balance, and Account not disputed which violates FCRA 611 ( a ) and Metro 2 6.2.1 ( data integrity requirements ). This creates the false appearance that I was late or delinquent, which is harming 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 2025-11-12 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: CA

Complaint narrative:
I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is a fraudulent auto loan by XXXX XXXX XXXX ( PARTIAL ACCOUNT NO : XXXXXXXX ) was opened under my name without my knowledge and I am asking Experian credit reporting agency to block and delete this fraudulent account because I have no knowledge about this account. It is a fraudulent 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 2025-11-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following information on my Equifax credit report. I believe these entries are inaccurate and request that they be investigated. Below is the list of disputed items : Charged Off Accounts : ACCOUNT NAME : 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 Please investigate and remove or correct these discrepancies according to the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am disputing the following accounts on my Equifax credit report. Please investigate and correct any inaccuracies. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$780.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Inquiries : XXXX, XX/XX/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 Late Payments : XXXX Account Number : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I discovered a collection account reported by Credence Resource Management LLC for XXXX XXXX XXXX in the amount of {$3400.00}, allegedly opened around XXXX XXXX XXXX I have never received any written notification from Credence Resource Management about this account, nor any notice of my right to dispute the debt within 30 days as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( a ) ).

The first time I became aware of this alleged debt was when it appeared on my XXXX credit report. Credence has never sent me a validation notice, contract, billing statement, or any documentation proving that this debt is valid or that they have the legal right to collect.

I am therefore disputing this debt in full and requesting that Credence provide, through this CFPB complaint : The original signed contract or agreement with XXXX XXXX XXXX ; A full accounting and breakdown of the {$3400.00} balance ; Documentation showing assignment or transfer of the account from XXXX XXXX XXXX to Credence ; and Proof that a written notice of my right to dispute was ever sent. 

Until proper validation is provided, Credence must cease all collection and credit reporting related to this account. If they can not validate the debt, I request that this account be removed from my credit report and that all collection activity stop immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX ( VIN XXXX ) from XXXX XXXX XXXX. The vehicle was advertised for {$17000.00}, with financing through XXXX XXXX at 8.07 % APR and no down payment, resulting in a finance price of {$19000.00}. 
However, the dealer switched the lender to Ally Bank without my consent. The XXXXetail Installment Contract listed the total sale price as over {$28000.00}, with interest bringing the total to over {$42000.00}, a significant increase from the advertised price.

Although I initially signed the contract, I rescinded it within 48 hours due to price misrepresentation and unauthorized lender change, returning the vehicle on XX/XX/XXXX. Despite this, Ally Bank funded the loan, and the dealer has refused to submit a cancellation request unless I enter into a new vehicle agreement. 
The dealership also issued a Florida insurance policy for a New York resident, which I had to cancel. 
I am seeking CFPB assistance to ensure the loan is canceled, I am not held financially responsible, and any credit reporting related to this transaction is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My credit report lists collection accounts that I believe may be inaccurate. Under my rights granted by 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, I am entitled to a credit report that is complete and accurate. I am requesting that these collection accounts be reviewed, and if they can not be verified as correct, that they be removed from my report.

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 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Dear Sir/Madam, I am submitting this complaint regarding the inaccuracies and errors present in my credit report. These accounts listed below are incorrectly reported as charged-off, and I am seeking a correction of this information. Please review the details for each bureau and update accordingly. 

Charged-Off Accounts 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

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING 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 non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SANTANDER HOLDINGS USA, INC.
State: RI

Complaint narrative:
Online bill pay used to send a check to a payee ( XXXX XXXX ) in the amount of {$800.00}. The amount was withdrawn from my business checking account on XXXX. On XXXX the payee informed me that he never received the check. I began a fraud inquiry with Santander on XXXXSince that time, I have made dozens of ineffective attempts to check on the status of the claim. I have not been reimbursed despite the payee sending the requested notarized attestation, d
espite the bank confirming that the check was endorsed by someone other than the payee ( as evidenced by the images of previous checks to the same payee ). 
I have spoken with countless customer service reps and managers. No one has been able to resolve the problem. 
The fraud was brought to Santander 's attention on XXXX, and it has not been resolved as of 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 2025-11-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Consumer Finance, Inc.
State: MA

Complaint narrative:
DEAR UNITED CONSUMER FINANCE : I am disputing the accuracy, validity, and completeness of the auto loan account reported by United Consumer Finance ( Account No. XXXX, original balance {$10000.00} ). 

This account is marked as a repossession ( R ) with a closed balance of {$0.00}, but no documentation has been provided verifying that the repossession and subsequent credit reporting were conducted in full compliance with applicable federal and state law. 

Under the Uniform Commercial Code ( UCC 9-611 and 9-614 ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), creditors must provide proper pre-sale notice, post-sale accounting, and deficiency calculation before reporting a repossession or any remaining balance. I have not received : A Notice of Default or Right to Cure prior to repossession ; A Notice of Intended Disposition of Collateral ( pre-sale notice ) ; A Post-Sale Explanation of Surplus or Deficiency ( showing sale price, fees, and calculations ) ; or Documentation verifying the lawful sale and deficiency balance reconciliation. 

Without these records, the accounts status, payment history, and reported repossession are incomplete and legally unverifiable. Continuing to report this tradeline as a valid repossession violates FCRA 1681e ( b ) and 1681s-2 ( b ), which require furnishers to maintain maximum possible accuracy and delete or correct unverifiable information.

Additionally, if any part of this debt was assigned to or handled by a third-party collector, the failure to provide validation after dispute violates FDCPA 1692g ( b ). 

Courts have consistently ruled that furnishers and lenders can not report or verify inaccurate or unverifiable repossession data see Cushman v. Trans Union Corp., Dennis v. BEH-1, LLC, Richardson v. Fleet Bank of Mass. , and Clark v. Capital Credit & Collection Services .

Therefore, until complete verification is provided, this tradeline must be treated as unsubstantiated and unlawfully reported.

Company response to consumer: Closed with explanation