vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 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: AZ

Complaint narrative:
This record is not consistent with my payment practices and appears to be in error. I respectfully request correction upon review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: FL

Complaint narrative:
This late payment does not accurately reflect my payment performance. I ask for a thorough review and its subsequent removal.

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 2025-08-18 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: GA

Complaint narrative:
I am contesting the negative items listed on my credit 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 2025-08-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
CFPB Complaint Description - What Happened? 
TD Bank orchestrated the systematic theft of a safe deposit box containing XXXX championship rings valued $ XXXX $ XXXX while I served as court-appointed guardian. On XX/XX/XXXX, TD Bank drilled the box without notification despite having my guardianship papers on file clearly stating legal authority to access all accounts. The bank sold the contents in XXXX while my ward was still alive, then spent five years covering up the theft through manager deception. 

When I attempted access in XXXX, XXXX different managers gave identical false scripts claiming " expired guardianship '' despite TD Bank 's own records showing valid authority. Manager # 1 initially accepted my paperwork then disappeared. Managers # 2-5 refused to acknowledge the bank 's own documentation. Meanwhile, bank statements prove TD Bank actively managed joint accounts while simultaneously claiming guardianship restrictions prevented safe deposit access - clear contradictory behavior exposing deliberate obstruction. 

The theft resulted in XXXX  abuse of XXXX victims. My XXXX ward died XX/XX/XXXX, denied adequate medical care because stolen assets prevented healthcare funding. My XXXX year-old ward continues suffering as burial papers were stolen, preventing proper end-of-life planning. TD Bank representative ignored multiple settlement demands ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and called me then refused to respond when I returned the call. 

This occurred at TD Bank 's XXXX XXXX branch. The systematic manager cover-up, contradictory account management, and settlement obstruction demonstrate institutional misconduct beyond individual error. Given TD Bank 's {$1.00} XXXX Anti-Money Laundering penalty in XXXX, this case reveals ongoing corporate culture enabling theft operations targeting vulnerable elderly customers under guardianship protection. 

I filed federal litigation seeking {$1.00} XXXX in damages and request CFPB investigation of TD Bank 's safe deposit box theft enterprise affecting elder abuse victims nationwide.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
Complaint Against : SoFi Bank, XXXX. 
Issue : Dispute / Refund Mishandling Dispute Reference : # XXXX ( filed XXXX ) Details of Complaint : On XX/XX/year>, I filed a dispute with XXXX ( Dispute # XXXX ) regarding a transaction with XXXX  in the amount of {$720.00}. I never checked into the reservation, and XXXX confirmed in writing ( via email and chat, attached ) that I was entitled to a full refund. 

Despite this, SoFi has only credited me a partial refund. I have provided SoFi with the XXXX documentation proving that I am owed the full amount of {$720.00}, yet my dispute remains unresolved. 

In addition to the mishandling of my claim, SoFis account manager XXXX and representative XXXX were dismissive and unprofessional during my interactions, refusing to provide adequate support or escalation. 

Desired Resolution : I am requesting that SoFi immediately issue the full refund of {$720.00} as confirmed by XXXX, and that SoFi improve its dispute-handling process so customers are not left without resolution despite providing clear evidence. 

Attachments Provided : XXXX chat transcript confirming refund XXXX email confirmation of refund

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : EXPERIAN : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$4300.00} XXXX XXXX XX/XX/XXXX {$410.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$820.00} XXXX TRANSUNION : XXXX XXXX XXXX XX/XX/XXXX {$4300.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$820.00} XXXX EQUIFAX : XXXX XXXX XXXX XX/XX/XXXX {$4300.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX {$410.00} 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 2025-08-18 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: NY

Complaint narrative:
I signed up for XXXX XXXX XXXX in XX/XX/XXXX, which was the same time the company went bankrupt. I was not informed of the bankruptcy by XXXX XXXX XXXX and only learned about it online. I did not hear from the company at all until XX/XX/XXXXXXXX  when XXXX XXXX XXXX contacted me. The 30-day refund period was canceled and I was not given the option to cancel my plan. I never received the products and could not dispute the issue because there was no communication from XXXX XXXX XXXX for several months. 

When I spoke with XXXX XXXX XXXX, I explained the situation several times and sent multiple emails and called different phone numbers. My requests to cancel my account were ignored even though I never received the product or treatment promised under the contract. XXXX XXXX XXXX or smile direct club. 

I continued to send emails for several months reiterating that I never received the product. In XX/XX/XXXX, I submitted another dispute with the Attorney General of New York State because XXXX XXXX XXXX had still not made an adjustment or canceled my account. The company continues to attempt to collect payment for a service that was never provided Now the company XXXX XXXX XXXX that no longer exist is trying to send my amount due to Tekcollection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: FL

Complaint narrative:
Account NTL RECOVERY AGENCY I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide certified mail with receipt displaying my signature. If not please delete account as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: GA

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by XXXX  for the following accounts : XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), and XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). Specifically, XXXX  is reporting the accounts as " Pays account as agreed '' with a " 30 days past due '' delinquency. XXXX  is reporting " Paid account/was 30 days past due '' with a " 30-day delinquent '' status. XXXX  is reporting " Paid or paying as agreed '' but does not indicate a payment status. These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of these accounts be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. 
Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. 
I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter.

Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT 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 2025-08-18 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: SC

Complaint narrative:
I am writing to dispute accounts that are being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2. Therefore, I respectfully request that this information be blocked or deleted immediately.

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim. 

According to 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit-reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within four ( 4 ) business days. 

The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately : XXXX / Account Number : XXXX XXXX XXXX Account Number : XXXX Additionally, 15 U.S.C. 1681b states that a credit-reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of these accounts, and there is no signed contract or consent from me that justifies their inclusion in my credit report. 

Therefore, the continued presence of these accounts constitutes not only the result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements. 

In accordance with 15 U.S.C. 1681c-2 and 1681b, I respectfully request that these accounts be blocked and deleted immediately from my credit report and that they no longer be reported in any manner.

I have contacted TransUnion on multiple occasions to report these accounts, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage. 

Furthermore, these accounts have already been deleted by other credit bureaus, as they were unable to verify them under the procedures required by law. I do not understand why this agency continues to report them on my credit file. 

I have also requested a copy of any contract related to these accounts from the companies reporting them, and after more than 60 days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information. 

I respectfully request that you assist me by removing these accounts 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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date : XX/XX/XXXX Consumer Statement : I am a victim of identity theft. The following accounts and inquiries on my credit report were opened or made without my knowledge or authorization : XXXXXXXX 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 XXXXE Hard Inquiry XX/XX/XXXX I have filed an Identity Theft Report and requested that these items be blocked from my credit report under 15 U.S.C. 1681c-2. These items are fraudulent and should not affect my creditworthiness. 

Thank you for your attention to this matter. 


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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date : XX/XX/XXXX Consumer Statement : I am a victim of identity theft. The following accounts and inquiries on my credit report were opened or made without my knowledge or authorization : XXXXXXXX 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 XXXXE Hard Inquiry XX/XX/XXXX I have filed an Identity Theft Report and requested that these items be blocked from my credit report under 15 U.S.C. 1681c-2. These items are fraudulent and should not affect my creditworthiness. 

Thank you for your attention to this matter. 


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 2025-08-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach

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