vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
To whom it may concern, I opened a checking and savings account with TD Bank in XXXX. When I opened the account, I was made to understand that as long as I had a direct deposit in the checking account, the maintenance fee would be waived. I scheduled my direct deposit to both accounts because I was working a lot and was a single mother. I didn't know that they were taking a {$5.00} maintenance fee from my checking and a low interest rate for my savings account. I received a call late last year that I should not be charged any maintenance fee and that the interest rate on my savings is low. The representative observed that my monthly direct deposit exceeds {$500.00}, indicating that the maintenance fee should not apply to me. He also told me my saving percentage is too low and will adjust it. 

Later, I started paying attention and noticed a maintenance fee of {$10.00}. I know I called the bank to report the issue, and I want all the maintenance fees that have been taken out of my account since XXXX. The lady I spoke to said that as of the time I opened the account, the account required a maintenance fee, but their services changed as of XXXX XXXX and that I should not have been charged a maintenance fee and also that the percentage that I should have been getting in savings has been fixed to get the correct percentage. I have now stated that I want everything that was due to me by XX/XX/XXXX. The lady said she could only go back six months. I just looked at my savings ; I got {$210.00}, whereas before they were giving {$2.00} at most. Please, I would like this case to be investigated so that I can receive all that is due to me. 

Checking account number XXXX XXXX account number XXXX TD bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-01 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: AZ

Complaint narrative:
There are multiple inaccuracies on my credit report that must be removed without delay. Some contain incorrect details that do not match my records, others are entirely unfamiliar, and several have been reported without proper verification. These discrepancies violate the FCRA, which requires all information to be 100 % accurate and backed by legitimate documentation. 

To resolve this matter fairly, I demand that all inaccurate items be permanently removed from my credit report. If the reporting entities can not provide legitimate proof confirming their accuracy, they have no legal right to remain on my file. I expect immediate corrective action to restore the integrity of my credit profile.

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 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: American Collections Enterprise, Inc.
State: AZ

Complaint narrative:
Called at XXXX and left a voicemail identifying themselves as XXXX XXXX  XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I called in with an issue with my pay I borrowed XXXX dollars XX/XX/year> at XXXX an when I woke up the money in my acct was gone so I called chime to see what happened and no help at all they kept making excuses and I spoke to ( 2 ) supervisors an my call dropped so as I was calling back I received an email from the company stating that I requested to close My pay acct which I didnt that was fraudulently done by the supervisor I last spoke to .I called back to see why did they send me an email saying per my request when I never mentioned closing it .So now the agent is saying I cant reenroll u til my balance is paid in full which it was going to be paid on pay day but that also sets me back from having a credit of XXXX to borrow this company is a joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: NY

Complaint narrative:
I am writing to formally notify you that my personal and financial data was compromised in the Equifax data breach that occurred in 2017. As a result, my sensitive information, including Social Security number, birth date, and other private details, may have been exposed to unauthorized individuals.

In light of this breach, I demand that you cease and desist from sharing, selling, or distributing any of my personal and financial information to third parties. This request is based on the fact that my data was unlawfully exposed, and I am taking all necessary measures to protect my privacy and security.

Furthermore, I remind you of the following laws and regulations that support my request : 1. Fair Credit Reporting Act ( FCRA ) - The FCRA mandates that credit bureaus maintain accurate, up-to-date, and secure information. The breach of my data represents a failure to maintain security standards, and under this law, I have the right to dispute the sharing of my data.

15 U.S.C. 1681 et seq. : This statute provides rights to consumers concerning the accuracy and dissemination of their credit information.

2. Gramm-Leach-Bliley Act ( GLBA ) - The GLBA requires financial institutions and credit reporting agencies to safeguard personal information and prevent unauthorized access or disclosure.

15 U.S.C. 6801-6809 : This provision mandates companies, including credit bureaus, to protect consumers ' financial privacy.

3. Right to Data Protection - Under state laws and the General Data Protection Regulation ( GDPR ) ( if applicable to certain businesses operating across states or regions ), I have a right to request the cessation of any further unauthorized distribution of my data.

California Consumer Privacy Act ( CCPA ) : If applicable, the CCPA gives California residents the right to request that businesses stop sharing their personal information with third parties.

GDPR ( if relevant ) : Under GDPR, consumers have the right to restrict the processing and sharing of their data if it has been compromised or exposed.

In addition, I demand that you take the following actions immediately : Cease sharing my information with any third parties or entities, except when explicitly authorized by me or required by law.

Delete any personal data that was acquired through unauthorized access during the Equifax breach, if not already done.

Provide me with written confirmation that my information will no longer be distributed or shared without my consent.

Please respond within 30 days of receiving this notice with confirmation that you have complied with my request. Failure to do so will leave me no choice but to explore further legal actions, including filing a formal complaint with the Federal Trade Commission ( FTC ), or pursuing legal recourse under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2025-04-01 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: WA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifi
able during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 non-monetary relief
Consumer complaint received 2025-04-01 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: FL

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Equifax block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX With a balance of {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX With a balance of {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX With a balance of {$310.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX With a balance of {$3100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX With a balance of {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX With a balance of {$880.00} All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please promptly eliminate the unauthorized accounts from my credit report. I did not initiate or authorize these accounts and do not know their origins. As per USC 1681g, I formally request their removal within 15 days. Relevant documents are enclosed for your examination. Furthermore, each bureau reports varying account 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 non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Reason 15 USC 1681O. Civil Liability for negligent noncompliance.

This account is Not reporting completeness and accuracy. Your company is not assuring maximum possible accuracy.

Please delete this account from my consumer report.

1. Date of last payment inaccurately reported.

2. Account showing open but is charged off 3. 2 bureaus showing paid 1 showing derogatory 4. 2 bureaus showing no payment history and Equifax showing ok

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: FL

Complaint narrative:
Reason 15 USC 1681O. Civil Liability for negligent noncompliance.

This account is Not reporting completeness and accuracy. Your company is not assuring maximum possible accuracy.

Please delete this account from my consumer report.

1. Date of last payment inaccurately reported.

2. Account showing open but is charged off 3. 2 bureaus showing paid 1 showing derogatory 4. 2 bureaus showing no payment history and Equifax showing ok

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 2025-04-01 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-01 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX 
Subject : Request for Investigation and Removal of Unauthorized Hard Inquiry Dear Equifax, I am writing to formally dispute an unauthorized hard inquiry that appears on my credit report. I recently reviewed my credit report and noticed an inquiry from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX which I did not authorize. 
Under the Fair Credit Reporting Act ( FCRA ), a company must have permissible purpose and my explicit consent to perform a hard inquiry on my credit report. Since I do not recall authorizing this inquiry, I am requesting that you provide proof of my authorization or immediately remove this inquiry from my report. 
Please conduct an investigation and provide me with a written response confirming the results of your investigation. If this inquiry was made in error or without my authorization, I expect its removal and an updated copy of my credit report reflecting this correction. 
For your reference, I have enclosed a copy of my ID and a recent utility bill to verify my identity.

Please respond to this request within 30 days, as required by the FCRA. You may contact me at the information provided above if you require any further information. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: PA

Complaint narrative:
There are multiple inaccuracies on my credit report that must be removed without delay. Some contain incorrect details that do not match my records, others are entirely unfamiliar, and several have been reported without proper verification. These discrepancies violate the FCRA, which requires all information to be 100 % accurate and backed by legitimate documentation. 

To resolve this matter fairly, I demand that all inaccurate items be permanently removed from my credit report. If the reporting entities can not provide legitimate proof confirming their accuracy, they have no legal right to remain on my file. I expect immediate corrective action to restore the integrity of my credit profile.

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 2025-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
In XX/XX/XXXX, I looked into purchasing an income property, After review of my credit I was completely appalled by the discovery of a collection on my credit repport. Previously my credit score was usually close to being perfect, approx. XXXX or better. Now my score has dropped to around XXXX due to this collection that I do not owe now. Nor have I ever made the purchase referred to on my credit report from an alleged purchase from the Wayfair Company, ( see enclosed ) Aftter review of my credit report I found that " XXXX XXXX Services '' had placed a collection on my credit report from the " Wayfair Company '' for a debt balance of {$150000.00}. This debt was supposedly from a purchase I made in " XX/XX/XXXX '' ... 
That was the XXXX XXXX XXXX. The fact that my character was being defamed for a supposed debt that was sent to or sold to the XXXX XXXX XXXX collection agency, where they have the audacity to place my good name and my character in XXXX numerous time and requested documenrtation about this supposed debt. During the XXXX or XXXX call I was finally given a copy of the Invoice for this supposed purchase by me. 
I immediately contacted The Wayfair Company. After much research by a Wayfair  Customer Service Rep. I was told in no uncertain terms that they were pursuing payment for a different item then the one discribed on the documentation sent to me by XXXX. To Wit : On the invoice sent to me with the Wayfair invoice # XXXX. The item on their ( Wayfair  ) invoice with the same number as listed above discribes a small refrigerator with over XXXX can capacity. Now the problem with that is that the small refrigerator on my invoice states XXXX can capacity. And it clearly swtates om my invoice that the item was " RETURNED '' Thus, I believe that this item was added to this invoice by mistake and never delivered. Therefore, returned into stock by the company and never actually leaving the company. 
Whatever the case may be, Wayfaifr is at fault for allowing this Debt Collection company to place my name in collection for a debt they know full well I NEVER OWED. FOR A PURCHASE I NEVER MADE ...... 
This defamation as would wind up costing me about $ XX/XX/XXXX XXXX dollars over the course of a mortgage due to the low credit score and higher interest rate I would have to pay for a loan because of it...

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

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

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 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JPMORGAN Chase bank in XXXXXXXX XXXX XXXX  refuses to accept a legal Durable Power of Attorney. It keeps giving excuses. I am a XXXX XXXX XXXX XXXX XXXX XXXX, who wishes to assing my own adult son to be my " Agent '' or Attorney-in-Fact. Chase bank is making this quite imposible. 

Can you please help me? Thank you! 
XXXX XXXX.

Company response to consumer: Closed with explanation