vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should be removed.

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 2025-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Supplemental Evidence Regarding Complaint # XXXX To Whom It May Concern, I am submitting additional evidence in support of my ongoing consumer complaint against TD Bank , N.A., originally filed with the CFPB and OCC. Please find attached a denial letter issued by TD Bank on XX/XX/year>2025, in response to my initial complaint. 

This letter confirms TD Bank 's refusal to accept responsibility for a {$72000.00} wire transfer made to a fraudulent account operated by XXXX XXXX XXXX XXXX / XXXX XXXX. Despite my reports and their acknowledgment of the fraud, TD Bank upheld its denial on the grounds that the transaction was authorized and customer-initiated. 

However, since this denial, I have submitted a formal Chapter XXXX Demand Letter to TD Bank ( dated XX/XX/scrub> 2025 ), which outlines their failure to exercise reasonable care and references a nearly identical case in which XXXX XXXX  refunded another investor {$25000.00} after the same fraudulent scheme. TD Banks refusal to act is now a matter of pending legal action under Massachusetts consumer protection law. 

I respectfully request this document be added to my complaint file, and I urge your offices to continue investigation and oversight of TD Banks practices in relation to fraudulent wire activity. 

Thank you for your attention. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: IL

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 2025-07-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: M1 Holdings Inc.
State: MD

Complaint narrative:
I am filing a complaint against M1 Finance due to an unfair and non-transparent business practice related to account closure and withdrawal of funds.

After requesting to close my account, I was informed of an unusually high cancellation fee that was never clearly disclosed at the time I opened the account. I have had funds sitting idle in this account, with no interest accrual, yet I am being charged a substantial fee simply to access my own money. Despite my attempts to engage with M1 Finance to waive this unreasonable fee, the company has not responded directly to my concerns about it. Their refusal to negotiate or provide a fair resolution is unacceptable and, in my view, deceptive.

I am requesting the CFPB to investigate this matter, as I believe it violates basic consumer protection principles.

Company Name : M1 Finance Website : XXXX XXXX XXXXXXXX Issue Type : Bank account or service Closing an account / unfair fees

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Conducting a thorough investigation of the late payments, status codes, and account reporting with the data furnishers mentioned above. Having any incorrect, outdated, or unverifiable negative marks removed or corrected. Holding furnishers accountable for failing to report accurately and in compliance with the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: VA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8300.00} XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8200.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
I am filing a formal complaint against the credit reporting agency Equifax for reporting incorrect information on my credit report. 

The account in question is from XXXX  XXXX XXXX, ending in XXXX. This account is reported as " charged off '' with a {$0.00} balance, but at the same time as " paid '', which is contradictory and violates the accuracy standards required by the FCRA. 

Additionally, this account only appears on Equifax, and not on XXXX  or XXXX, which further increases the inconsistency and unfairly affects my credit history. 

I request that if this information can not be verified with complete and accurate documentation within the timeframe established by law, it be immediately removed from my file. This account damages my credit profile without clear justification or documented support. 

I ask the CFPB to intervene in this case and require Equifax to correct or delete this information in accordance with its obligations under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: OH

Complaint narrative:
To Whom It May Concern : Please be advised I am formally disputing the reporting of multiple XXXX XXXX student loan accounts appearing on my credit reports. This dispute is submitted in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and the Ohio XXXX XXXX Practices Act ( O.R.C. 
1345.01 et seq. ). 
These XXXX XXXX accounts have been sold to a private creditor and are currently the subject of active civil litigation in the XXXX XXXX XXXX, casting doubt on their accuracy, legal status, and validity for continued reporting. 
I. Disputed Accounts The following accounts are reported as of XX/XX/year> : - XXXX XXXX Account XXXX : {$3300.00} - Closed - XXXX XXXX Account XXXX : {$8000.00} - Closed - XXXX XXXX Account XXXX : {$730.00} - Closed - XXXX XXXX Account XXXX : {$10000.00} - Closed XXXX. Legal Basis for Dispute XXXX. The original creditor, XXXX XXXX, no longer holds ownership of these debts. Under 15 U.S.C.

1681s-2 ( a ), a data furnisher may not report outdated or misleading account information. 
XXXX. These accounts are involved in ongoing litigation in the XXXX XXXX XXXX under the following case numbers : XXXX, XXXX, XXXX. 
XXXX. Continued reporting of XXXX or contested debt may constitute an unfair and deceptive act under the XXXX  XXXX XXXX XXXX  XXXX, XXXX. XXXX. 
XXXX. Relief Requested - Immediate deletion of all XXXX XXXX accounts listed above from my credit report. 
- If not deleted, the accounts must be updated to show " disputed '' and " in litigation. '' - Notify all third parties who accessed my credit report in the past XXXX months of these corrections. 
- Provide a full reinvestigation and response within XXXX  days. 
IV. Supporting Documentation Included with this letter are : - Copy of my government-issued ID and utility bill - Court docket information - Screenshot from Credit Karma showing the reported accounts Failure to comply with these obligations may result in formal complaints to the CFPB, the XXXX XXXX XXXX XXXX XXXXXXXX , or legal action seeking damages under 15 U.S.C. 1681n and 1681o. 
You are now on legal notice. Please respond accordingly. 
Sincerely, 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 2025-07-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
I saw a XXXX ad online for XXXX XXXX XXXX and placed a order, quickly realized it was a scam when I needed up calling my local XXXX XXXX XXXX  to ask why I didnt revive a email, the local XXXX said that I was just scammed and its happening everyday. I then called Venmo to report it on XX/XX/XXXX where its been sitting under review for XXXX weeks only to call back and the tell me it might be a total of XXXX  days knowing scammers are not going to respond this is absolutely a XXXX way to take care of the customers. The scam is still being run online and I even explained that to them, the lady made sure she told me there is absolutely no one I could speak to that there weee no supervisor available wow

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-29 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 descovered that someone used my informaction without my permision. i did not apply for any credit or authorize these inquieres from : Experian, Trans Union, Equifax

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 2025-07-29 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: MS

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and XXXX  has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and XXXX  inaction violates federal law and my rights as a consumer. Inaccuracy of this information. See attached document.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax, Transunion, and especially Experian have constantly ignored my request to remove inaccuracies, and have went as far as to falsify verification processes and overall ignore my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Equifax, Transunion, and especially Experian have constantly ignored my request to remove inaccuracies, and have went as far as to falsify verification processes and overall ignore my request.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing a formal complaint against Bank of America for providing inaccurate and potentially harmful information to the credit reporting agency XXXX. 

The account in question, ending in XXXX, has been reported as " charged off '' with a {$0.00} balance and at the same time as " paid '', which represents a direct contradiction in the report. This information is ambiguous, confusing, and does not meet the accuracy standard required by the FCRA. 

Additionally, this account does not appear on XXXX or XXXX, suggesting that Bank of America is providing incomplete or inconsistent information to credit agencies. 

I request that the CFPB investigate this matter, and that if Bank of America can not provide complete documentation supporting this report, it be ordered to immediately remove this account from the affected credit file. 

This erroneous information is unjustly affecting my credit score and financial reputation.

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 2025-07-29 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: NV

Complaint narrative:
Final Notice Formal Demand for Deletion Due to Illegal Reinsertion and Verification Failure FCRA 611 ( a ) ( 5 ) ( B ), 611 ( a ) ( 6 ) ( B ), 616, and 617 To Whom It May Concern : This letter serves as a formal demand under the Fair Credit Reporting Act ( FCRA ) regarding your unlawful reinsertion of previously disputed accounts on my credit report without the required notice or verification. These actions violate my rights under federal law.

Specifically, your agency deleted the following item ( s ) after a prior dispute but has since reinserted them into my file without : Written notice within 5 business days of reinsertion as required by FCRA 611 ( a ) ( 5 ) ( B ) Any documented method of verification or certification from the furnisher, as required under 611 ( a ) ( 6 ) ( B ) These accounts have reappeared on my credit report without my knowledge, and your agency has failed to notify me in writing, identify the certifying party, or provide any evidence verifying the accuracy of the information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-29 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: NV

Complaint narrative:
Final Notice Formal Demand for Deletion Due to Illegal Reinsertion and Verification Failure FCRA 611 ( a ) ( 5 ) ( B ), 611 ( a ) ( 6 ) ( B ), 616, and 617 To Whom It May Concern : This letter serves as a formal demand under the Fair Credit Reporting Act ( FCRA ) regarding your unlawful reinsertion of previously disputed accounts on my credit report without the required notice or verification. These actions violate my rights under federal law.

Specifically, your agency deleted the following item ( s ) after a prior dispute but has since reinserted them into my file without : Written notice within 5 business days of reinsertion as required by FCRA 611 ( a ) ( 5 ) ( B ) Any documented method of verification or certification from the furnisher, as required under 611 ( a ) ( 6 ) ( B ) These accounts have reappeared on my credit report without my knowledge, and your agency has failed to notify me in writing, identify the certifying party, or provide any evidence verifying the accuracy of the information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
b'I sent a certified letter to Equifax on XXXX/2025 with tracking XXXX XXXX XXXX XXXX XXXX XXXX it shows the delivery date of XXXX2025 at XXXX XXXX in XXXX, GA. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts: \n\n XXXX XXXX XXXX XXXX  $XXXX  (account # XXXX)\n XXXX XXXX XXXX (account # XXXX)\n XXXX XXXX XXXX XXXX (account # XXXX\n XXXX XXXX XXXX  ( account # XXXX)\n XXXX XXXX XXXX XXXX XXXX (account # XXXX)\n XXXX XXXX XXXX (account XXXX XXXX)\n\n\nEquifax failed to respond. I sent another letter on XXXX2025 which they failed to respond once again.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I contacted TD Bank about my HELOC. I was offered a Forbearance Plan due to an extreme hardship. The 6 months was coming up so I called them and they assured me the 6 payments were going to be added to the end of the loan. This did not happen and I have since incurred serious harm here. The call was recorded and we relied on this, now we feel like TD will begin threatening foreclosure processes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARINER FINANCE, LLC
State: IL

Complaint narrative:
While looking over my credit report, I see a marina finance with the account number XXXX, it stated that this account was opened XX/XX/year> with the balance of XXXX. I did not give permission for anyone to open up an account under my name. I did not open this account does not recognize it especially going back this far.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NV

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 XXXX 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 explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Incorrect address ; Address never belong to me XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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