vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: NJ

Complaint narrative:
Account name : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute the above-referenced account appearing on my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically * * Section 605B ( 15 USC 1681c-2 ) * *, I am requesting that you immediately block and delete any information related to this account that may be the result of identity theft, error, or inaccurate reporting.

Additionally, under * * FCRA Section 623 ( a ) ( 6 ) * *, data furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. I am exercising my rights under * * FCRA Section 611 * * to request an investigation and under * * Section 615 ( f ) * * to demand full disclosure of the procedure used in your verification process. 

In accordance with the Fair Credit Reporting Act, Account XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602a states that I have the right to privacy.

15 U.S.C. 1681 Section 604 states that a consumer reporting agency can not furnish an account without my written consent and instructions.

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 2025-05-07 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: CBC Companies, Inc.
State: CA

Complaint narrative:
Consumer Financial Protection Bureau Complaint Complainant : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Subject : Innovis Immediate Opt-Out, Permanent File Deletion, Send Me My File, and Cease Data Processing To Whom It May Concern, I am filing this formal complaint against Innovis for willful violations of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair and Accurate Credit Transactions Act ( FACTA ), and consumer rights to privacy and data control. 

Despite my prior notices, Innovis has failed to : Permanently opt me out of all consumer reporting, profiling, and prescreening under FCRA Section 604 ( c ).

Delete my entire consumer file under FCRA Sections 609 ( a ) and 611, as I never gave meaningful consent for the collection, storage, or dissemination of my personal information.

Cease any unauthorized use or sale of my data, violating FCRA Sections 607 ( a ) and 623, and failing to maintain maximum possible accuracy.

I hereby demand Innovis : 1. Immediately opt me out of all consumer reporting, affiliate sharing, and prescreening lists as required by law.

2. Permanently delete all consumer files, records, and data held under my name, Social Security number, and address.

3. Provide me with a complete copy of my Innovis consumer file as required under FCRA Section 609 ( a ).

4. Provide written confirmation of deletion and cease further processing, sharing, or furnishing of my data.

Failure to comply constitutes willful noncompliance under 15 U.S.C. 1681n, exposing Innovis to statutory damages of {$1000.00} per violation, plus actual damages, punitive damages, and attorneys fees. 

I request the CFPB to investigate Innoviss noncompliance and compel immediate resolution. 

Requested Resolution : Permanent opt-out and file deletion within XXXX business days. 
Provide me with a complete copy of my consumer file. 
Provide written confirmation to the address and email listed above. 
Cease all further reporting or sharing of my data. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: KY

Complaint narrative:
I have Ally bank and recently tried connecting an external account on XX/XX/XXXX that is in my father 's name. Ally bank blocked my account so I now have no access to any of my money and have bills that I need to pay. I have called multiple times and have not received a proper answer. They can't tell me when my account will be unlocked and can't help me with getting access to my money. I can not login online or get access to the app.

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 2025-05-07 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:
These inquiries are not familiar to me and appear to be unauthorized. Please take immediate steps to address this matter. Additional clarification is included in the attached documents.

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 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XX/XX/XXXX, I deposited my wife paycheck, {$9300.00}. I was surprised to see that they put a hold on it for 6 business days. On XX/XX/XXXX, I met with TD Bank Assistant Manager, XXXX XXXX at TD Bank, XXXX XXXX XXXX,, XXXXXXXX XXXX  XXXX, and showed him the pay stub, confirming that check was drawn on my wife 's employer, XXXX XXXX XXXX XXXX He indicated that the XXXX XXXX check was drawn against another major US Bank, and that he could see no reason it should not be held. While in my presence, he emailed someone, presumably the fraud department and requested they release the funds, as showed him the check stub. The employer would normally would have made a direct deposit, but we advised them of the new account number, so it missed the monthly direct deposit cycle. The meeting did not help at all. 

This is very upsetting, because we know the check is valid, and that the bank simply wants to enjoy the float until 6 or 7 days, or perhaps not release payment at all. Their web site indicates that most deposits would clear the next day, but why do they claim they need a week or more, other than to enjoy use of the money, interest-free. Having been the first of the month, we had several bills due and expected to use the funds. Because of the " hold '' we had to transfer assets from another external account to ensure we could pay our bills somewhat on time. I work very hard to have an XXXX Credit Score, and XXXX XXXX  score, based on very timely payment, and an effort to maintain {$0.00} balance on credit cards. While we fortunately have the means to carry TD Bank, what would we do if we did not have the assets to cover this unethical " hold '? I submit that TD Bank is unethical in their treatment of depositers, while stating their check clearance time is within a day, yet holding money for an inordinate amount of time. They should be able to clear checks electronically in hours, and not in days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights, under 15 USCXXXX section XXXX, states that I have the right to privacy, 15USC XXXXsection XXXXA section XXXX, it also states that a consumer reporting agency can not furnish an account with my written instruction. Under 15USC XXXXB a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft. 

I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 

The following accounts must be removed immediately 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  Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them. 

Enclosed Documents : 1. FTC Identity Theft Report 2. Copy of my government-issued This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary. 

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts. 

Thank you for your immediate attention to this matter. 

I can be reached at the contact information above if further clarification is needed. 


Sincerely, 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 2025-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Levinbook Law Firm, P.C.
State: NJ

Complaint narrative:
Background and Timeline : 1. XXXX XXXX. # XXXX : Originally, a balance of {$30.00} was claimed. While I believed this amount was paid on XX/XX/XXXX, I could not confirm the bank transaction and therefore remitted payment again via check # XXXX on XX/XX/XXXX. ( XXXX XXXX XXXX ) On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from XXXX now claiming {$150.00} as a remaining balance, despite no prior notification of any additional charges. The letter stated the total balance was {$1100.00}, with {$1000.00} netted out, leaving {$150.00} owed. ( XXXX XXXX XXXX  ) My Explanation of Benefits ( EOB ) from XXXX XXXX for the date of service XX/XX/XXXXXXXX  confirms : o Billed amount : {$1100.00} o Insurance paid : {$250.00} o Patient responsibility : {$30.00} o Note : Thanks for using a network provider. That means this provider has agreed to accept a contracted amount for this service. ( XXXX XXXX XXXX ) I have already paid the amount identified as my responsibility. ( XXXX XXXX  XXXX ) XXXX. XXXX XXXX. # XXXX : On XX/XX/XXXX, I received another letter ( dated XX/XX/XXXXXXXX  ) stating a new balance of {$730.00}, based on a total charge of {$1100.00} with {$400.00} netted out. ( XXXX XXXX XXXX ) My insurance EOB for the service date XX/XX/XXXXXXXX  confirms : o Billed amount : {$1100.00} o Insurance paid : {$260.00} o Patient responsibility : {$30.00} XXXX Network provider contract confirmed ( XXXX XXXX XXXX  ) I already paid the {$30.00} on XX/XX/XXXX. ( XXXX XXXX  XXXX ) Issues of Concern : XXXX  has repeatedly altered or inflated charges under the same reference numbers without clear explanation. 
Charges now far exceed the patient responsibility amounts outlined in official EOBs from my insurer, XXXX XXXX. 
This suggests a pattern of overbilling or misleading collection attempts that may constitute unfair, deceptive, or abusive acts or practices ( UDAAP ) under federal consumer protection laws.

As a consumerand potentially as a XXXX XXXX am deeply concerned about whether these practices are being monitored or regulated appropriately. 
Request for Action : I respectfully request that the CFPB investigate these billing and collection practices, and determine whether XXXX  is : 1. Attempting to collect amounts not legally owed, in violation of the Fair Debt Collection Practices Act ( FDCPA ) ; 2. Engaging in deceptive billing that misleads consumers into paying more than their contractual obligation ; 3. Failing to provide appropriate documentation and account validation when challenged ; 4. Possibly preying on consumer confusion around medical billing and insurance coordination. 
Attached you will find documentation supporting all claims made in this complaint ( XXXX XXXX XXXX XXXX XXXX XXXX ). 
Thank you for your attention to this matter. I would appreciate confirmation of receipt and information on next steps in the investigation process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: NJ

Complaint narrative:
I am writing to inform you that I am disputing the debt referenced above, which your company claims I owe. Under the Fair Debt Collection Practices Act, I am entitled to dispute the validity of this debt and request verification or validation. 

Please be advised that : XXXX. I dispute the entire amount of the alleged debt. 
XXXX. I request that you provide validation of the debt, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the debt was reached. 
XXXX. You cease any debt collection efforts until this dispute is resolved and verified documents are provided to me. 
XXXX. I request my debt account not be reported to any credit agencies until you provide evidence validating the debt. 

As per my rights, I ask that you verify the debt and provide written proof that the debt belongs to me within 30 days. Also, please be aware that I request all future communications be in writing. 

If you are unable to verify this debt, I respectfully request that you confirm in writing that you are terminating collection efforts and will update all negative credit information relating to the matter. 

Thank you for your prompt attention to this matter. I look forward to your acknowledgment and kindly request a written response by [ specify a reasonable date, usually within XXXX days ]. 

Sincerely, 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 2025-05-07 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: LA

Complaint narrative:
This late payment mark is incorrect and does not align with my actual payment history. I have been diligent in making timely payments, and I request an update to ensure accuracy in my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: FL

Complaint narrative:
On XX/XX/year>, I submitted complaint # XXXX regarding multiple inaccurate and damaging accounts on the credit report of XXXX XXXX XXXX These accounts included : XXXX XXXX XXXX XXXX Three XXXX XXXX XXXX  accounts XXXX XXXX Each of these accounts contained serious reporting errors, including incorrect charge-off statuses, post-closure delinquencies, unverifiable balances, and inconsistent histories across credit bureaus. We provided written disputes in accordance with the Fair Credit Reporting Act ( FCRA ), requesting removal or correction based on lack of accuracy and failure to verify. 

However, the credit bureau responded with a generic message stating that the accounts were Verified as Reported or Updated, with no supporting documentation, contracts, billing statements, or account records. This shows a complete failure to conduct a lawful and reasonable reinvestigation under 15 U.S.C. 1681i ( a ), 1681e ( b ), and 1681s-2 ( b ). 

This is a dispute based on inaccurate and unverifiable reporting, and the bureaus refusal to provide documentary proof or remove the accounts is a willful violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: PA

Complaint narrative:
I am disputing the XXXX XXXX tradeline reported on my credit reports. Under the Fair Credit Reporting Act ( FCRA ) 1681i, I requested a reasonable reinvestigation and asked XXXX to provide proper validation, including the original signed contract ( wet ink signature ) and complete account records. XXXX has failed to provide this documentation and continues to report negative and inaccurate information on my credit files. The account is marked as closed with negative marks but has not been properly verified. I am requesting that this unverifiable tradeline be permanently deleted from all credit bureaus ( Experian, Equifax, TransUnion, XXXX ) immediately. Please escalate this matter for CFPB enforcement review if XXXX fails to comply, as they are in violation of the FCRA and XXXX XXXX reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MD

Complaint narrative:
I received notification from XXXX XXXX that a new collection has been added to my account from a company called XXXX XXXX XXXX for XXXX and I have disputed this account multiple times with XXXX XXXX and was denied I also sent in documents verifying that I have a current XXXX account that is current and up to date and asked ask for a letter of verification that the debt is actually belongs to me and who is the original creditor they have never responded or sent me anything I requested

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: MD

Complaint narrative:
In XX/XX/year>, I received a debt collection letter from Central Portfolio Control ( CPC ) stating that I owed {$120.00} related to a loan originally associated with the XXXX XXXX XXXX ( XXXX ) and XXXXXXXX XXXX XXXX XXXXXXXX. The letter claims that the debt was sold to a third party. 

To verify, I contacted XXXXXXXX XXXX XXXX  directly, and after reviewing my records, they confirmed that : I have no outstanding or delinquent loans with them, All of my previous loans under XXXX were settled, And no such loan ever existed under the name XXXX XXXX  as listed in the letter I received. 

The inconsistency between XXXX XXXX  and XXXX XXXX XXXX XXXXXXXX was also concerning. When I reached out to Central Portfolio Control for clarification, I explained everything including what XXXX told me but the representatives were dismissive, uncooperative, and repeatedly refused to acknowledge my concerns.

One of their staff, XXXX XXXX ( XXXX XXXX XXXX ), spoke to me in a tone that felt unprofessional and intimidating. Rather than helping resolve the issue, I was told that CPC serves the third-party company now, and my efforts to correct the possible error were ignored. 

I believe this debt has been wrongly attributed to me, and I am requesting a formal investigation. Ive asked for validation of the debt and have been given vague or insufficient information. I am concerned this may be a case of misidentification, misreporting, or potential fraud, and I want to ensure this is not reflected on my credit report. 

My worry is that they have all my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
These accounts were created without my knowledge or consent, and I should not be accountable for them. I urge you to take swift steps to correct 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