vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I am a victim of identity theft. A collection account from Midland Credit Management Inc for {$730.00}, opened on XX/XX/year>, was fraudulently reported on my credit file. I did not open or authorize this account and have no knowledge of it. 

I filed a report through identitytheft.gov and submitted a dispute to the credit bureaus under FCRA 605B ( 15 U.S.C. 1681c2 ), which requires that any data resulting from identity theft be blocked within four business days.

I also requested full debt validation from Midland Credit Management, including proof of the alleged debt, a signed agreement, and their right to collect. No such documentation was provided.

This account is fraudulent and must be removed from all credit files. It continues to negatively impact my credit standing and is in violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/year>, I visited the TD Bank branch at XXXX, NY to open a business checking account after receiving a formal promotional letter inviting me to do so. I brought all necessary business documentation, including my EIN and Articles of Incorporation, in digital form.

The retail banker refused to accept the documents electronically and insisted on printed copies a policy I would have been happy to comply with had it been communicated respectfully. Instead, the banker became hostile and verbally abusive. She called me a XXXX XXXX XXXX during the interaction, in front of others in the branch. 

I am a professional with significant accomplishments and a strong public reputation in my field. Being subjected to such language and humiliation in a public business environment was not only degrading but also damaging to my reputation and mental well-being. This incident caused me significant emotional distress, disrupted my professional activities, and diminished my trust in TD Bank as an institution.

Im submitting this complaint not only to seek redress for my experience but to ensure others are not subjected to such degrading treatment. 

Kind regards, XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: DE

Complaint narrative:
I reviewed my credit report and found several negative accounts being reported that I believe are inaccurate, unverifiable, or outdated. I contacted the credit bureaus directly and formally disputed this accounts. Despite my good-faith efforts, the bureaus failed to provide proper verification or remove these items. Some may be duplicates, and others may lack proper documentation. I'm not receiving a proper resolution, and my credit is being harmed unfairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Im submitting a complaint against XXXX XXXX / XXXX XXXX regarding an auto loan account. 

On XX/XX/year>, I spoke with a representative to explain my situation, I had just started a new job and was waiting three weeks for my first paycheck. I wasnt avoiding payment, and I have always made an effort to stay in good standing with my account. The representative and I came to a clear agreement that I would make my next payment on XX/XX/year>, and that was accepted with no warning of any negative consequences. 

As promised, I made the payment on XX/XX/XXXX. However, this past Saturday ( XX/XX/year> ), I noticed that a 30-day late payment had already been reported to my credit, dated XX/XX/year>. 

At no point during the XX/XX/XXXX conversation was I told that the account would still be reported as late even if I honored the new payment arrangement. I trusted the agreement in good faith, and I feel blindsided by the damage this has caused to my credit profile. 

When I contacted the company, I was told there was nothing they could do. This feels misleading and unfair.

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 2025-08-04 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:
In XXXX, I became aware that my personal information had been compromised in a data breach. Shortly after, I noticed several inaccurate and unauthorized accounts and a dismissed bankruptcy record appearing on my credit reports from all three major credit bureaus.

These entries include multiple charged-off accounts, a repossession, and a XXXX XXXXXXXX bankruptcy that I did not file. The dates of account openings, activity, and defaults do not match my credit history, and I did not authorize these transactions.

Between XXXX and XX/XX/XXXX, I submitted disputes to Experian, Equifax, and TransUnion, requesting the deletion of these accounts under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 1681e ( b ), which require credit bureaus to investigate and remove unverifiable or inaccurate information.

Despite providing all requested documentation and following proper procedures, the inaccurate information remains on my credit reports, negatively affecting my credit standing.

I am asking the CFPB to assist in having these entries permanently removed, as the data furnishers and credit bureaus have not resolved the disputes or provided sufficient verification within the legally required timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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:
In XXXX, I became aware that my personal information had been compromised in a data breach. Shortly after, I noticed several inaccurate and unauthorized accounts and a dismissed bankruptcy record appearing on my credit reports from all three major credit bureaus.

These entries include multiple charged-off accounts, a repossession, and a XXXX XXXXXXXX bankruptcy that I did not file. The dates of account openings, activity, and defaults do not match my credit history, and I did not authorize these transactions.

Between XXXX and XX/XX/XXXX, I submitted disputes to Experian, Equifax, and TransUnion, requesting the deletion of these accounts under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 1681e ( b ), which require credit bureaus to investigate and remove unverifiable or inaccurate information.

Despite providing all requested documentation and following proper procedures, the inaccurate information remains on my credit reports, negatively affecting my credit standing.

I am asking the CFPB to assist in having these entries permanently removed, as the data furnishers and credit bureaus have not resolved the disputes or provided sufficient verification within the legally required timeframe.

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 2025-08-04 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-08-04 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Management Services, LP
State: UT

Complaint narrative:
I am writing in response to a letter received from your office dated XX/XX/year> regarding an alleged debt. Please be advised that I am requesting the validation of this debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. The reference number is XXXX I do not acknowledge this debt and request the following information : The name and address of the original creditor The original amount of the debt A complete payment history, including any interest, fees, or charges added A copy of the original contract or agreement bearing my signature Proof that you are authorized to collect this debt, including your license number ( if required in my state ) How the debt was obtained and change of title if applicable Proof debt validation letter or notice was sent to my address on file with proof of delivery Please cease all collection activities and communication until this debt has been validated as required by law. If you fail to validate the debt, or continue to pursue collection without providing the requested information, you will be in violation of the FDCPA and I will not hesitate to report your actions to the Consumer Financial Protection Bureau ( CFPB ), my state Attorney General, and/or seek legal counsel. 

I request that all future communication be in writing only. 

Thank you for your cooperation.

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 2025-08-04 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: NV

Complaint narrative:
Equifax is reporting on my credit illegally on case XXXXXXXX XXXX XXXX XXXX XXXX XXXXand this illegal under 15 USC CODE 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I deposited large amounts of cash into my Citibank account within 3 days. They gave me no reason and said my account was being monitored for fraud and I couldnt use it. Not even 2 days later they blocked my account. It still isnt closed and I need my money. All my money is inside that 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 monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year> I submitted a formal dispute to Equifax concerning an auto loan account that i believe is inaccurately reported and possibly fraudulent- Capital One Auto Finance . XXXX responded stating the account was verified, but failed to provide any meaningful documentation or method of verification ( MOV ) as required under 611 ( a ) ( 6 ) ( B ) ( iii ).

I requested detailed infomation such as account-level documentation, application materials, proof of original creditor agreement, and identity verification procedures, none of which were provided. Instead, XXXX only confirmed that the item " belongs to me '' and noted minor updates to " Additional information, '' which is inadequate and violates my rights under federal and Texas state law.

This is a violation of : FCRA 611 ( 15 U.S.C. 1681i ) Failure to conduct a resonable reinvestigation FCRA 609 ( 15 U.S.C. 1681g ) Failure to disclose information in the file Texas Finance Code 392.202-Failure to correct inaccurate information or block disputed items I am requesting that XXXX provide all documentation used to verify the account and remove the item if verification can not be substantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: CBC Companies, Inc.
State: TN

Complaint narrative:
I went to the car lot to purchase a new car and was told that my credit is bad.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-08-04 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:
This is a formal request to correct a late payment entry that appears on my credit report. I believe this was added in error, as I made my payment on time and have the records to prove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: LA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-04 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: LA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-04 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$21000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief