vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
On XXXX XXXX I received an email stating that my account was restricted due to adverse activity on my account when I called the TD bank customer service about this they said they needed me to verify my identity in a local TD bank branch I did confirm my identity in person and the bake teller XXXX XXXX He submitted a form for me and then when I called yesterday, I have another call center representative at TD Bank by the name of XXXX said that she submitted a request for an update in that, unfortunately the back office has denied both forms and she said they couldnt tell me why and Im very upset because its been two days since I heard anything or whether or not, they were lift the restriction for my account ever since then the call center reps had treated me like an absolute criminal. I believe this is racially biased, and racially motivated behavior by TD Bank because I had this account for a month and I never had any problems at all until this incident occurred

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: NM

Complaint narrative:
I received a letter that XXXX took over Fed Loan, However when i received it, It stated that i was 90 days past due and i owed over $ XXXX in late payments. I was not even aware that XXXX took over Fed Loan .I was set up already paying my student loan for the past 3 years .However i was in forebearance with Fed Loan .The site has been down for several months and XXXX reported that i have for loans in default and my credit score has dropped over XXXX was approve for another forebearance, however the derogitory remarks are still on my credit report.I need to get these removed.I have been working hard to get my credit score raised and this set me back

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 2025-05-16 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: NM

Complaint narrative:
I received a letter that XXXX took over XXXX XXXX However when i received it, It stated that i was 90 days past due and i owed over $ XXXX in late payments. I was not even aware that XXXX took over XXXX  XXXX .I was set up already paying my student loan for the past 3 years .However i was in forebearance with XXXX XXXX .The site has been down for several months and XXXX reported that i have for loans in default and my credit score has dropped over XXXX was approve for another forebearance, however the derogitory remarks are still on my credit report.I need to get these removed.I have been working hard to get my credit score raised and this set me back

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 2025-05-16 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: NM

Complaint narrative:
I received a letter that XXXX took over XXXX  XXXX, However when i received it, It stated that i was 90 days past due and i owed over $ XXXX in late payments. I was not even aware that XXXX took over XXXX  XXXX .I was set up already paying my student loan for the past 3 years .However i was in forebearance with XXXX XXXX  .The site has been down for several months and XXXX reported that i have for loans in default and my credit score has dropped over XXXX was approve for another forebearance, however the derogitory remarks are still on my credit report.I need to get these removed.I have been working hard to get my credit score raised and this set me back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: PA

Complaint narrative:
This CFPB complain t has been filed to request pursuant to the FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you the Transunion 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 this fraudulent. inaccurate, and false information consist of several unauthorized fraudulent hard inquires appearing on my consumer FICO credit report 's XXXX XX/XX/year>, XXXX XXXX XX/XX/year> AND XXXX XX/XX/year> I've attached a copy of my consumer credit report maintained by you which shows aforementioned fraudulent items, I do not recognize aforementioned accounts, collections and hard inquires as appearing on my consumer credit report maintained by you were not opened, made or initiated by me all of the aforementioned accounts, collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account, collections and hard inquiries are the result of identity theft and fraud

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 2025-05-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: TN

Complaint narrative:
Account XXXX XXXXXXXX XXXX XXXXXXXX Im unaware of this debt and did not have the opportunity to dispute this account.if you believe you sent proper notification.Please ProvideCertified Mail with receipt displaying my signature.if not, Please delete account # XXXX as soon as possible from my credit report or I will have to Take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-16 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: AR

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Payment in the amount of XXXX XXXX conducted on XX/XX/year> from the account XXXX in XXXX XXXX XXXX XXXX ( XXXX ) to the account XXXX in XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The payment went through an intermediary bank XXXX XXXX XXXX ) and was blocked dueto the sanctions under the XXXX program under the regulations issued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX This was the payment for fruits ( dates ) that have been imported to XXXX XXXX for onward selling. 
On XXXX I have received license XXXX authorizing JP Morgan Chase Bank to return the funds to the originator Transfer was releasedbank under XXXX license no. XXXX XXXX XXXXXXXX but was rejected by the XXXX XXXX 
We tried to contact JP Morgan Chase Bank via XXXX from XXXXXXXX XXXX notifying them of the fact that the above-mentioned license was issued and asking them to return the funds to my other account in the unauthorized bank. However, JP Morgan Chase Bank did not respond. So, I can not get my money, even with a license that allows it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
My XXXX  loans are in XXXX that is interest free. I am on the XXXX plan and this is being litigated in court, however, XXXX  is still charging me interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-16 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX, GA. I later discovered that a {$2300.00} XXXX XXXX XXXX XXXX had been attached to my loan with my signature dated XX/XX/XXXX. I never received this contract in my loan packet, and only recently obtained it on XX/XX/XXXX, XXXX after the purchase. 

The signature on the document does not match my usual signature and appears to be forged or copied. Even more concerning, I recognized the document from a previous vehicle I purchased weeks beforeone that I returned. This raises the concern that the dealership reused or altered paperwork from the first car to attach it to the second without my knowledge. 

When I contacted my lender ( CPS ), they confirmed a {$2300.00} refund for the service contract had been processedwithout my knowledge or consent. I was also misled by the dealership into believing I never had a service contract at all. Staff at XXXX XXXX, including someone named XXXX, were dismissive and evasive when I confronted them, and I was spoken down to and told that I owed them an apology. 

I am requesting a full investigation into how this document was added to my loan, how the forged signature was submitted, and why I was never informed of the refund or cancellation. I am also seeking a written apology, full disclosure of all documents submitted to my lender, and a correction to my loan balance if appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am the survivor of XXXX XXXXXXXX. I needed my credit card with capital one due to this situation and I informed them of such. They closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: Nelnet, Inc.
State: NM

Complaint narrative:
I received a letter that Nelnet took over XXXX  XXXX, However when i received it, It stated that i was 90 days past due and i owed over $ XXXX in late payments. I was not even aware that Nelnet took over XXXX  XXXX .I was set up already paying my student loan for the past 3 years .However i was in forebearance with XXXX XXXX .The site has been down for several months and Nelnet reported that i have for loans in default and my credit score has dropped over XXXX was approve for another forebearance, however the derogitory remarks are still on my credit report.I need to get these removed.I have been working hard to get my credit score raised and this set me back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
amount of debt reporting to credit bureau is incorrect please have this remove from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-16 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: MI

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MA

Complaint narrative:
I contacted Jefferson Capital about a debt that does not belong to me. They have not provided me with a right to dispute nor have the provided ne with an Application with my signature or a request for financing. I did not open an account with the company they are claiming. They have provided false information to the credit bureaus about this debt. They have email addresses and addresses that don't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been XXXX  in my life and credit health.

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 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: TN

Complaint narrative:
I am contacting you regarding the Discover Bank account ending in XXXX, which is being reported as closed and charged off on my credit reports. I am also receiving collection letters from XXXX, a third-party collection agency, yet to date no proper debt validation has been provided.Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, furnishers of information to credit bureaus must only report complete and accurate information and must investigate disputes filed through the bureaus.The payment history, balance, and reported delinquency date may be incorrect and unverified. I am formally requesting that you : - Investigate the accuracy of this account and the data furnished to the credit bureaus- Provide documentation verifying the reported information- Correct or remove the account from my credit file if it can not be verifiedThis is a formal dispute under FCRA, and I expect your written response and documentation in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: GA

Complaint narrative:
These inquiries are unfamiliar to me, and I believe they are unauthorized. I urge you to take swift action to address this issue. Supporting documents are attached for your reference.

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 2025-05-16 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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