vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
TD Bank closed my business account in XXXX of 2023 after deposits of checks that were not payable to the account name. TD Bank has since confirmed that approximately {$110000.00} remains held in an internal fraud/suspense account. 

TD Bank representatives have confirmed that the funds still exist, are being held internally, and that no claim has been made by any issuer, including the IRS, for more than two years. 
TD Bank has stated that the funds are awaiting claim, but has not cited any statute or regulation that permits indefinite holding in the absence of an active claim, nor has TD Bank initiated any lawful disposition of the funds. 

TD Bank further indicated that written documentation explaining the account closure and the status of the funds would be provided ; however, this documentation has not been delivered despite follow-up attempts. 
The funds represent a net balance held by TD Bank, derived from multiple deposits and transactions, and are no longer traceable to individual instruments. As a result, issuer return is not a practical resolution absent an active reclamation request. 

I am requesting that TD Bank complete a lawful resolution of the held funds, either through direct release or appropriate disposition ( such as escheatment ), rather than continuing to hold confirmed funds indefinitely with no claimant and no resolution timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Identity theft- account was open without my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " US BK COURT -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( US BK COURT ) that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.A.Rogers, Inc.
State: MD

Complaint narrative:
I received a notice from R.A. Rogers Inc. claiming they have a 'post-dated check ' or 'authorized ACH ' to be deposited on XXXX. I have never spoken to this company, never authorized a payment, and never provided my banking information. This notice is a deceptive practice and a violation of the FDCPA, as they are attempting to withdraw funds without any legal authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
XXXX  is the company and started XX/XX/XXXX th was purchasing items and said it was denied go to the XXXX  app and at top it states account suspended go to your email. So I go to email it says account suspended do to violation of XXXX  agreement please verify your account with driver license front and back so I do it. It says it could be 3 to 5 business days to unsuspend so I wait day and a day contact to make sure they had everything. They said they did and only should be 24 hrs and I will receive a email from account specialist. I continue to send chats with them everyday because I never receive a email. Fast forward to today its been 7 business days I contact XXXX  again and get the same message from a person 3 to 5 business days and I talk to a supervisor and something. Im on social security and this is the only money have locked up for all these days without a resolution. Its {$880.00} so please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-23 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) thatDisputeXXXX $ you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-23 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-23 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: TN

Complaint narrative:
I am disputing the following accounts on my Equifax credit report, as they contain incorrect information. Please investigate these items for accuracy and make necessary corrections. 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} Inquiries : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a formal dispute to the credit reporting bureau on [ XX/XX/year> ] regarding inaccurate late payment remarks on my credit report. 
The account ( s ) I disputed are : [ XXXX XXXX XXXX XXXX XXXXXXXX ] Account # [ XXXX ] Late payments reported on [ XX/XX/year> ] [ XXXX XXXX  XXXX ] Account # [ XXXX ] Late payments reported on [ XX/XX/year> ] In my letter, I requested : A reinvestigation of the late payment remark ( s ) Proper verification and documentation of the derogatory reporting A description of the method of verification used, as required by FCRA 1681i ( Section 611 ) As of today, over 30 days have passed, and I have not received a response, nor has the inaccurate information been corrected or removed from my report. 
This failure to investigate and respond violates multiple provisions of the Fair Credit Reporting Act, including : FCRA 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation FCRA 1681e ( b ) Failure to ensure maximum possible accuracy I am now forced to escalate the matter due to the bureaus noncompliance.

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 2025-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
Dear Bank of Texas, I am having trouble finding my escrow balance breakdown, I can see the payment history but I would like a detailed reporting of my escrow balance from the day that you received my loan through current. 
Please note that the tax bill for XXXX XXXXXXXX XXXX XXXX in the amount of {$3800.00} is an overpayment of {$400.00}. The XXXX tax bill was {$3800.00}, this year 's bill amount is {$3400.00}. It is to my understanding that XXXX XXXXXXXX XXXX will mail the refund back to my mortgage company. When will this credit go back to my escrow account? 
There is also an advance from my escrowaccount noted in the amount of {$290.00} on the date of XX/XX/XXXX. Please advise what that is? 
My annual taxes have decreased and as a result my monthly payment should decrease by approximately {$140.00}. This should result in a monthlymortgagepayment of approximately {$3700.00}. Please complete a mortgage analysis to ensure that I have the most accurate payment for the year of XXXX. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of 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 2025-12-23 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 am disputing several charged-off accounts, inquiries, and late payments that are inaccurately reported on my credit report with Experian. Please investigate and ensure that the necessary corrections are made. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$230.00}XX/XX/XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$400.00} XXXX XXXX XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$860.00} XX/XX/XXXXAccount Number : XXXX Account Date : XX/XX/XXXX Balance : {$6300.00} XXXXXX/XX/XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$22000.00} Inquiries : XXXX XXXX XX/XX/XXXXInquiry Date : XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXXnquiry Date : XX/XX/XXXXXX/XX/XXXX Inquiry Date : XX/XX/XXXX Late Payments : For EXPERIAN, XX/XX/XXXXI am disputing the following late payment entry : XX/XX/XXXXXXXX Account Number : 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 2025-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

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 2025-12-23 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:
I am disputing the following accounts on my Equifax credit report due to inaccuracies in reporting. Please review the following accounts and correct any discrepancies accordingly : Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Inquiries XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
GOLDMAN SACHS APPLE CARD HAS REPORTED A FALSE LATE PAYMENT TO CREDIT BUREAUS RESULTING IN A SIGNIFICANT DECLINE IN MY CREDIT SCORE & CREDIT RATING. AFTER REACHING OUT TO GOLDMAN SACHS TO RESOLVE THE ISSUE, I WAS ADVISED TO REACH OUT TO THE CREDIT BUREAUS TO DISPUTE THE FALSE REPORT INSTEAD OF BEING GIVEN A REASON FOR THE FALSE REPORTING AND/ OR A AMICABLE RESOLUTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: FL

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I am filing this complaint regarding a PayPal Credit account serviced by Synchrony Bank involving defective merchandise and a mishandled billing dispute.

I purchased a rowing machine using PayPal Credit. The item arrived defective and nonfunctional. I contacted the merchant promptly after delivery to report the defect and attempted in good faith to resolve the issue directly. The merchant repeatedly delayed responses, failed to provide a functional repair, replacement, or refund, and appeared to stall while dispute timelines ran.

After unsuccessful attempts to resolve the issue with the merchant, I properly disputed the charge with Synchrony Bank ( PayPal Credit ). in early XXXX. XXXX reviewed the dispute and issued a letter dated XX/XX/XXXX issuing a provisional credit, acknowledging the dispute as valid. 

I submitted supporting documentation by mail, which Synchrony Bank received on XX/XX/year>, as confirmed by USPS tracking. Despite receipt of my evidence, Synchrony later reinstated the disputed charge without providing a clear written denial or explanation addressing my evidence or demonstrating that the merchant cured the defect. 

The merchant never provided a working product, replacement, or refund. Sending a wire months later without instructions does not constitute a completed or reasonable repair. I did not agree to act as a technician or disassemble a defective consumer product. 

I am requesting that Synchrony Bank conduct a formal reinvestigation of this dispute, provide a written explanation identifying the evidence relied upon to reinstate the charge, and permanently remove the charge if no valid cure of the defect can be demonstrated. 
Additional merchant correspondence documenting repeated delays and lack of resolution is available upon request. I printed them out and sent hard copies to PaypalCredit/Synchrony Bank XXXX via certified mail proof uploaded to you date XX/XX/XXXXXXXX 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