vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/year>, I deposited a XXXX XXXX XXXX for {$250000.00} into my checking account for TD Bank. This check was issued by the U.S. Department of the Treasury as an IRS tax refund, and I have documentation showing my tax filings and refund notice. 

On XX/XX/year>, I received a notification that my account had been closed for alleged fraud. I was not provided with any evidence or explanation for this decision. I have confirmed with the IRS and Treasury that the check is valid. 

Since then, I have repeatedly visited and contacted the bank for updates. The bank stated that they submitted a SMART form for review, but they have not provided any timeline, resolution, or written response. My funds remain on hold, and I have not received my money or any formal notice explaining the continued hold or account closure. 

I believe the bank is wrongfully withholding my legitimate federal funds and failing to communicate or act in good faith. I have proof that the check and refund are legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
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 2025-11-03 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: TX

Complaint narrative:
I am a consumer who is actively reviewing my credit reports and found items that I believe are inaccurate, incomplete, or do not belong to me. I am requesting a proper investigation into the following accounts and inquiries reported by each credit bureau. 

Charged-Off Account ( XXXX ) in Dispute : XXXX XXXX XXXX ( Account # XXXX ) Date Reported : XX/XX/year> Amount : {$74.00} I do not recognize this account. I am requesting an investigation and validation of this debt, including how it was verified and what documentation was used to validate it. 

Inquiry Dispute : FACTUAL DATA XX/XX/year> This inquiry was not authorized. I am requesting the bureau to investigate and remove this unauthorized inquiry.

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 2025-11-03 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: AZ

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 2025-11-03 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THE REPORTED LATE PAYMENT IS INACCURATE AND UNJUSTIFIED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
Credit acceptance repossessions of a car closed the account and now has sent everything to a lawyer!!! They have also resold the car not sent a XXXX or what they sold the car for also have violated 15USC1681 ( s ) 2, USC1581 ( c ) 2 15USC1666 ( B ) and 15USC ss1681!!! They have also already had a class action lawsuit against them for XXXX  % interest rates to all clients.

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 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX, I received an email notifying me that my Chime Bank account login information was changed from my email XXXX to an unknown email of XXXX After receiving this notification, I received XXXX more emails that my account made XXXX unauthorized withdrawals to an unknown person named XXXX XXXX. The amounts were {$280.00} and {$99.00}. I immediately called Chime when I discovered this email around XXXX. I started a dispute with Chime to stop the withdrawals and inform them of the unauthorized change of my email login. They started a dispute with dispute ID : XXXX. I also filed a report with the FBI IC3 division file ID : XXXX, to report the XXXX crime of unauthorized login and withdrawal of my account. 

The Chime dispute was denied so I called to rebute the denial and reopen the dispute. I submitted copies of the email notifications and the FBI IC3 report. I'm confident someone stole my login information from hacking my phone and used it to steal my money. I need further assistance protecting my accounts and digital identity since I'm under attack by an unknown cyber criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-11-03 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: CA

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 2025-11-03 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: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Employer - XXXX XXXX XXXX Employer - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXXXXXX XXXX XXXXXXXX, LA XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 2025-11-03 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: Harris & Harris, Ltd.
State: LA

Complaint narrative:
I issued a formal CEASE & DESIST notice to this company instructing them to stop all contact and to stop reporting or updating this account with any credit bureau. 

Despite receiving my cease and desist request, they are still furnishing information and updating this account, which constitutes continued harassment and non-compliance. 

I am requesting immediate deletion of this account from my credit reports due to continued reporting after a cease and desist demand and ongoing consumer harm. 

This inaccurate negative reporting is impacting my ability to maintain stable housing and utilities and creating financial hardship. 

The furnisher has failed to provide proper validation as required under the Fair Credit Reporting Act and Fair Debt Collection Practices Act ( 15 USC 1681 & 1692 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Dear PayPal Dispute Department, I am writing in response to your decision denying my claim regarding the unauthorized transactions made between XX/XX/XXXX and XX/XX/year>. I want to firmly reiterate that I did not authorize any of the XXXX payments totaling {$6100.00} made to the listed merchant. 

Your determination appears to rely heavily on consistent login activity and successful secondary authentication challenges as evidence that I was in control of the account. However, this assumption overlooks the fact that hackers can and do exploit personal data breaches to intercept authentication codes and mimic normal login behavior. It is absolutely possible for a cybercriminal to gain control of an account while maintaining access patterns that appear consistent simply because they have been continuously logging in to make unauthorized purchases. 

Furthermore, your records showing consistent login activity are not consistent with my personal account usage. Prior to this incident, I rarely used or logged into my PayPal account. Any sudden increase in login frequency or transaction activity should have been an immediate red flag inconsistent with my usual behavior. 

If you review your own fraud detection standards, youll find that hackers can use SIM swapping, cloned devices, or other methods to intercept one-time codes sent to a users phone number. This means that even a successful secondary authentication does not prove that the legitimate account holder was the one authorizing transactions. 

Given these facts, I am requesting that PayPal reopen and escalate this investigation for a more thorough and fair review. I expect you to consider the broader cybersecurity context, including the ongoing XXXX  breach and how such breaches enable precisely this type of fraudulent activity. 

Please confirm receipt of this message and advise on the next steps for further review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: GA

Complaint narrative:
I am a regular consumer who is trying to rebuild my credit and correct any inaccurate information being reported about me. I am requesting the CFPBs assistance because some items on my credit reports appear to be inaccurate, unverifiable, or reported without my permission. I truly want a fair chance to restore my credit. Below are my concerns separated per bureau : EQUIFAX ( XXXX ) Panimula : I respectfully ask for your assistance in reviewing the information that Equifax is reporting about me. I believe that some of the data below may be inaccurate, incomplete, or not fully verified, and I am simply seeking a fair correction of my credit file so that it reflects true and accurate information. 

Charged Off / Collection Account in Dispute : UNAUTHORIZED COLLECTION Acct : XXXXXXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX {$1600.00} Inquiries I Do Not Recognize or Did Not Approve : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Late Payment I Believe Is Incorrect/Inaccurate : XXXX Acct : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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 am disputing inaccurate and potentially unauthorized information being reported on my TransUnion credit file.

Charged-Off / Collection Accounts None listed for TransUnion. 

Unauthorized or Questionable Inquiries The following inquiries appear to have been made without my consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> I do not recall authorizing these inquiries. Please verify that I provided written consent or remove them from my report if such authorization can not be substantiated. 

Late Payment Reporting XXXX XXXX Account # XXXX The late payment information appears inaccurate or inconsistent. Please review and correct the reporting as needed. 

XXXX XXXX  Account # XXXX This account may be showing incorrect delinquency information. I request that TransUnion verify and update this record.

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 2025-11-03 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: FL

Complaint narrative:
I am submitting a new complaint because XXXX  XXXX continues to furnish inaccurate and unverifiable information to the credit reporting agencies after CFPB Case # XXXX and XXXX  XXXX Case # XXXX. 
I am requesting a full deletion or correction of the following information : Removal of all late-payment reporting for XXXX XXXX XXXX XXXX account ending in XXXX ( vehicle was totaled, and balance satisfied through insurance ). 
Removal of inaccurate or unverifiable late-payment data for accounts ending in XXXX and XXXX, which XXXX XXXX could not verify with contemporaneous records. 
Deletion or proof of permissible purpose for hard inquiries tied to accounts ending in XXXX, XXXX, and XXXX that XXXX XXXX has not validated under FCRA 1681b ( f ).

This is my 10th notice of dispute since 2023. XXXX XXXX  repeated failure to provide verification after extensions and insurance payoff constitutes willful non-compliance under FCRA 1681e ( b ), 1681i ( a ) ( 1 ) ( A ), 1681s-2 ( b ), and 1681n, and a violation of the UCC 3-501 duty to produce contemporaneous proof of debt.

I am requesting the CFPB to enforce deletion of unverifiable tradelines and inquiries and confirm XXXX XXXX compliance with its furnisher obligations under the FCRA.

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 2025-11-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: Deatrick & Spies PSC
State: KY

Complaint narrative:
I keep getting emails, calls, and letters, regarding student loans debit over XXXX. I no longer reside in KY. They have contacted my employer, and also threatened to sue, seize money from me that I do not have. This was related to school/ student loans. They tried to double dip funds for classes I disenrolled from also. 

I want this removed asap. I do not give consent for threatening letters and calls. I do not have {$300.00} or {$200.00} per month to pay this back and may have to file for bankruptcy to stop the harassment.

Please cancel this. The school needs to be closed for scamming students for not educating us on what was signed. They threatend that if we didnt sign the financial aid documents in the past that we could NOT attend classes, which is greed and miscommunication and non transparent. Stop the harassment, summons, lies, and debt. 

For XXXX XXXX Dedrick and Spies LLC is handleing this for 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 2025-11-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I request that : The fraudulent capital one account be removed in full from my credit reports at XXXX XXXX XXXX XXXX  under my rights provided by FCRA Section 605B. If capital one maintains that this account is valid, they must immediately provide documentary proof of authorization in compliance with FCRA Section 609. If they can not, the account must be deleted. The credit bureaus conduct a reasonable reinvestigation as required by FCRA Section 611, not a superficial verification process. If these violations are not corrected, I will have no choice but to explore my legal remedies under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), which allow consumers to pursue civil action and statutory damages for willful noncompliance.

Company response to consumer: Closed with explanation