vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Subject : Formal Complaint Regarding Discriminatory Experience at TD Bank XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX Dear cfpb I am writing to formally file a complaint regarding my recent experience at the TD Bank branch located at XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX. 

During my visit, I attempted to open a business bank account for my church, Relationship with XXXX XXXX, and I provided all the required legal documentation. However, the branchs Vice President and Store Manager, XXXX XXXX, informed me that I should open the account in my neighborhood of XXXX, NY. He also stated that the bank would need to send someone to conduct a site visit to verify that my organization was legitimatedespite my submission of all necessary paperwork. 

As an XXXX pastor serving my local community, I left the branch feeling deeply discriminated against and disrespected. The treatment I received reflected bias and poor customer service, which does not align with TD Banks stated values of inclusion and equality. I believe this incident represents a concerning act of discrimination against an XXXX American client seeking to engage in lawful and transparent business. 

I am requesting that this matter be investigated promptly and that appropriate actions be taken to ensure no other individual experiences such treatment. 

Thank you for your attention to this matter. I look forward to your response and to hearing how this situation will be addressed. 

Sincerely, XXXX XXXX XXXX, Relationship with XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NY XXXX Phone : XXXX Email : XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX XXXXBank of America had a breach in information. I was not allowed to access my funds my account went to zero when I had XXXX. Then it went from XXXX to XXXX to XXXX. When I went to the atm to take it out it said my finds were at XXXX. The next morning XX/XX/year> I checked and they were back at XXXX. They made XXXX disappear and are stating its not true. On XX/XX/year> millions lost their funds as well. I just want my money back that Bank of America stole. I have tried multiple times to reach out to them and they say they are not at fault.

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 2025-11-13 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: NV

Complaint narrative:
I am writing to file a formal complaint against inaccurate and unverifiable information being reported on my credit report by certain furnishers and/or credit reporting agencies. These inaccuracies are causing significant harm to my credit profile and must be investigated and corrected immediately. 

1. Wrong Addresses Reported : XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX These addresses are incorrect and do not belong to me. I have no association or residency history at either of these locations. Reporting these addresses creates confusion and raises serious concerns about the accuracy and integrity of my credit file. 

2. Inaccurate Account Information : XXXX Account No. XXXX High Balance : {$720.00} Date Opened : XX/XX/year> Reported Issue : Late Payment This account is reporting late payments that are completely false. I have never made a late payment on this account, and such reporting is factually inaccurate. I demand that the furnisher provide verified documentation proving any alleged late payment. If they can not provide verifiable proof, this account history must be immediately corrected to reflect an accurate on-time payment record. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and data furnishers are legally required to report only accurate and verifiable information. Continuing to report wrong addresses and inaccurate payment history constitutes a violation of Sections 604 ( b ) and 611 ( a ) of the FCRA. 

I request that the CFPB investigate these inaccuracies and ensure that the furnishers and credit bureaus correct or remove all unverifiable and inaccurate data from my credit report immediately. 

Please provide written confirmation once this complaint has been reviewed and appropriate action has been taken. 

Thank you for your prompt attention to 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 explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am writing to bring to your attention a significant inaccuracy in my consumer file and to request the removal of the erroneous address information. The address ( es ) currently being reported and attributed to me are : XXXX, XXXX, XXXX ( reported XXXX ) XXXX, XXXX, XXXX ( reported XXXX ) These addresses are not my current, past, or associated addresses, and I have never resided at either one. Their presence in my credit file is inaccurate, misleading and may lead to confusion in credit reporting, identity verification, or adverse decisions based on mistaken residence information.

Under the FCRA, I have rights and you have obligations : As a consumer reporting agency, you are required by 15U.S.C.1681e ( b ) to follow reasonable procedures to assure maximum possibl
e accuracy of the information concerning the individual about whom the report relates.

As a furnisher of information, you are obligated under 15U.S.C.1681s2 ( a ) ( 1 ) ( A ) not to furnish any information with actual knowledge of errors, and under 1681s2 ( a ) ( 2 ) to correct and update information that you know is not complete or accurate.

Additionally, when a consumer such as myself disputes the accuracy or completeness of information, furnishers must investigate and report results, per 1681s2 ( b ).

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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I deposited two money orders into my checking account. The teller ensured that my monies would be available the next day. Well, one money was made available but the other was placed on a 10 day hold. I called Bank of America once they reopened after XXXX XXXX and they explained that the hold was placed. I inquired as to why if the funds are verified funds. I also asked why was one able to be verified but not the other. The reps were no help in getting my monies released. They are able to use the XXXX excuse about collectibility but they made one available, why is that one okay but not the other?

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 2025-11-13 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: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I am submitting a formal complaint against Apple Goldman Sachs for repeatedly mishandling my fraud disputes tied to charges made through a deceptive mobile app called XXXX XXXX XXXX XXXX XXXX XXXX appearing on my statement under the name XXXX. 
While I technically authorized the purchases, they were made under false advertising, illegal merchant behavior, and all during a a XXXX XXXX XXXX, which I disclosed to Apple. After initially providing a provisional credit, Apple revoked it, claiming I authorized the charges- without properly investigating the deceptive and unlawful conduct involved. I later offered substantial documentation, including : - Explaining bait-and-switch withdrawal schemes through advertisements - Three different versions of the apps Terms of Service, showing significant changes made after I paid - Attempts to contact the merchant, who uses false contact info and shell company names- Illegal Activity in VA & SC ( online gambling is NOT allowed in these states, so the companies were operating illegally ) Apple closed my dispute multiple times based only on my initial filing, and ignored new evidence I submitted. This violates my rights under : -Regulation Z, which requires a good faith investigation of credit card disputes -FTC standards for unauthorized or deceptive merchant activity XXXX  rules, which prohibit fake MCC codes and untraceable merchant IDs I had phone conversations with a number of representatives, providing evidence of all wrongdoing from the developers end. I even submitted a complaint to Apple about the Apps fraudulent nature ; Apples App Review took down the app, and all others associated with XXXX, which was a direct result of them reviewing and finding the app operating illegally. 

I have previously provided multiple screenshots, multiple versions of their terms and conditions, and proof of fraudulent behavior. 

The way that this is being handled is illegal. Im not complaining just because I dont like the result. Im complaining because I have rights that are protected by law that have been ignored due to the negligence, or lack of care, or both, by those who should be reviewing this. 

XXXX XXXX XXXX XXXX, another credit card issuer of mine, reversed all charges and kept the provisional credit on my account because they admitted the evidence was stacked against both the developer and XXXX. They found out that I was right. But, it wasnt until after filing this complaint. 

I was discouraged from filing this complaint over a month ago, because I was told that it would be handled. It hasnt been handled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
I am sending to formally dispute the late payment reporting on the account listed below, which I believe to be inaccurate or unverifiable XXXX XXXXXXXX Balance {$0.00} Date of Last Activity : XXXXDate Reported : XX/XX/year>

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 2025-11-13 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: Self Financial Inc.
State: TX

Complaint narrative:
In addition to the inconsistent reporting and inability to verify the late payment information, I also discovered that the furnisher does not appear under a consistent legal name in the CFPB company lookup system. 

When attempting to file this complaint, I could not locate XXXX XXXXXXXX XXXX under a single consistent name. Multiple variations exist, including : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  ( no suffix ) Self Financial / Self Lender ( partner company ) These inconsistencies match the same identity issues on my credit reports, where the furnisher is reporting under different names, addresses, and phone numbers. 

Because the furnisher can not be consistently located in the CFPB system, and because they are appearing under multiple inconsistent names across all three credit bureaus, it becomes impossible to determine : Which legal entity is actually furnishing information Whether the reported late payment is valid Which company is responsible for verification Who is responding to disputes Whether this account is being duplicated, misassigned, or mixed This makes proper verification under the FCRA impossible, and the bureaus are unable to perform a meaningful reinvestigation if the furnisher can not be consistently identified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I contacted the Attorneys for Credit Acceptance Corporation, XXXX XXXX XXXX on XX/XX/year>. I made them aware that the debt does not belong to me as well informing them that it is unlawful to garnish wages in the state of Texas for consumer debt as well as the judgement being entered across state lines and not in the state of Texas. I have also sent a letter to them demanding to the stop the garnishment and to return all the garnished wages to no avail.

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 2025-11-13 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 submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files. 
I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history. 

The continued reporting of these incorrect names and addresses constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), you are legally required to conduct a prompt and thorough re-investigation of disputed information upon receiving notice of inaccuracy. 
The presence of this false personal information creates a heightened risk of identity confusion and potential fraud, directly harming my ability to obtain credit, employment, or housing under fair and accurate conditions. These errors may also indicate negligent data handling in light of ongoing national identity theft and data breach concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I wanted to reach out to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me about the safety of my sensitive data. As a result of the breach, fraudulent accounts and debts have been opened in my name. I would be grateful if you could take this into account when reviewing my credit report and take the necessary steps to address any inaccuracies or fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: NY

Complaint narrative:
I am submitting to formally dispute several inaccurately reported items on my credit report. These entries include inaccurate addresses, employer information, collection accounts, late payments, charge-offs, and multiple inquiries that appear to contain errors, incomplete information, or unverifiable data. I request a full investigation into the accuracy of these items and their removal if they can not be fully verified. 
XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXXXXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$640.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX * * * Balance : {$140.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$65.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe is inaccurate or incomplete. All information reported must be complete and accurate, and unverified items must be removed. Specifically : FCRA 611 ( 15 U.S.C. 1681i ) requires that I be able to dispute information and request a reasonable investigation. FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) obligates credit reporting agencies to ensure the maximum possible accuracy of the information they report. FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) requires data furnishers to report accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: NY

Complaint narrative:
I am submitting to formally dispute several inaccurately reported items on my credit report. These entries include inaccurate addresses, employer information, collection accounts, late payments, charge-offs, and multiple inquiries that appear to contain errors, incomplete information, or unverifiable data. I request a full investigation into the accuracy of these items and their removal if they can not be fully verified. 
XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXXXXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$640.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX * * * Balance : {$140.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$65.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe is inaccurate or incomplete. All information reported must be complete and accurate, and unverified items must be removed. Specifically : FCRA 611 ( 15 U.S.C. 1681i ) requires that I be able to dispute information and request a reasonable investigation. FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) obligates credit reporting agencies to ensure the maximum possible accuracy of the information they report. FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) requires data furnishers to report accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
The collector has been calling me multiple times, on various days, even after I : Disputed the debt in writing Requested verification Sent a cease-and-desist communication instructing them to stop calling They continue to call, which constitutes harassment under federal law. 
I will be attaching phone records documenting their calls. These are only the most recent instances, not the full history. 

Once a consumer instructs a collector to stop contacting them, the collector must legally : Stop all communication except to confirm they will stop Or notify the consumer of specific legal action They ignored this and continued calling anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: Chime Financial Inc
State: WI

Complaint narrative:
I could not respond by the XX/XX/XXXX date because the person who stole the money put me in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kikoff Inc.
State: CA

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX CA XXXX ] [ XX/XX/2025 ] [ Account XXXX XXXX XXXX XXXX XXXX XXXX ] {$220.00} [ Kikoff lending llc XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX XXXX CA XXXX ] ( XXXX ) XXXX Re : Cease and Desist Notice Pursuant to 15 U.S.C. 1692c ( c ) * * To Whom It May Concern : Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I hereby demand that you cease all communication with me regarding the alleged debt referenced in your prior correspondence. 

Under the law, once you receive this letter, you may not contact me again except to : 1. Advise me that your further efforts are being terminated ; 2. Notify me that you may invoke specified remedies which are ordinarily invoked by debt collectors ; or 3. Notify me that you intend to invoke a specified remedy. 



Be advised that any further contact by your agency or its representatives, except as permitted by law, will be considered a violation of the FDCPA and may result in my taking appropriate legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney Generals office. 

This letter is not to be construed as an acknowledgment of the validity of the alleged debt, nor a waiver of any of my rights under federal or state law. 

Sincerely, [ XXXX XXXX XXXX ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation