vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: CA

Complaint narrative:
Our company in CA became victim to a type of cyber fraud. Fraudsters hacked one of our vendors emails and jumped in mid email conversation to ask us to wire transfer our payment to a different bank. They asked us to send our money from our bank XXXX bank in CA to TD bank in Florida. 

After we made XXXX wire transfers XXXX on XXXX  XX/XX/25 for the amount of {$44000.00} and a second wire initiated the day after Thursday XX/XX/25 for the amount of {$300000.00} for a total amount of {$340000.00}, we realized this was fraud and the money should not have been wired to TD bank at all. 

Since then, immediately we completed a submission via IC3.gov the FBI website, and our bank reached out to TD bank to initiate a wire recall. We gave ample notice to TD bank that the transaction was fraud and the money should never have left the TD bank account especially if they received the stop signal from the IC3 from the FBI.

Since then, we did not want to just wait standard protocol days with our funds potentially already having left the TD bank account to elsewhere, so we called and contacted TD bank over XXXX times to ask and remind them of the case and to make sure the funds don't leave and to ask if they can let us know if the funds already left or not. 

We wanted to know if the funds left, so that if they did, we would not waste more time but we would then contact the next institution the money was sent to, in order to try to recover the money. However TD bank members and employees keep giving us a standard protocol response and they say we can not get that information without a court order or subpoena and we just need to wait. 

This is unbelievable that they wouldn't let us know if the money already moved or not so that we can chase the money down at the right institution if it did.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously submitted a dispute for this account, but it still reports inaccurate and incomplete information. I am now formally requesting a detailed explanation of the investigation process you used. By law, you must send this within XXXX  days of receiving this letter. If the information cant be verified or you dont reply, the disputed items should be deleted. Ive included a copy of my written request for your reference. I appreciate your timely response.

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 2025-06-12 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: OH

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: OH

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: CA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-12 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: CBC Companies, Inc.
State: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: NJ

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: NY

Complaint narrative:
Upon reviewing my consumer credit report, I have identified multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2, 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ), and 1681n ( b ) ( 2 ).

Your agency furnished reports in connection with credit or insurance transactions that I did not initiate or authorize. The law clearly states that such reports must either be authorized by the consumer or be part of a firm offer of credit or insurance. Any inquiry not initiated by the consumer, and not meeting those conditions, violates federal law.

According to 15 U.S.C. 1681n ( b ) ( 2 ), any entity that obtains or furnishes a consumer report without a permissible purposeor under false pretensesis liable for actual damages or {$1000.00} per violation, whichever is greater, and may also be subject to punitive damages awarded by the court.

I did not authorize the following inquiries. If you claim otherwise, I demand that you immediately provide written proof of my consent for each one.

Unauthorized Inquiries Due to Aggravated Identity Theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Each of these inquiries occurred without my knowledge or authorization and involved the unlawful use of my personal information. This is a clear case of identity theft, and I demand the permanent deletion of these entries from my credit report under 15 U.S.C. 1681c-1 and 1681n ( b ).

I have already reported this matter to the : Consumer Financial Protection Bureau ( CFPB ) State Attorney Generals Office XXXX XXXX XXXX ( XXXX  ) Federal Trade Commission ( FTC ) This issue is urgent. I expect your agency to fully delete these inquiries and provide written confirmation of the actions taken. If you require additional information or documentation, contact me directly at the address listed above.

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 2025-06-12 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: Klarna AB
State: NY

Complaint narrative:
I had initiated a refund on XX/XX/XXXX for a purchase I made with Klarna, it was XXXX refunds, XXXX for {$25.00} and the other was for {$29.00}, i happened to get the refund for {$25.00} but the refund for {$29.00} havent came so I asked them why it didnt and they said it would take XXXX business days. But now its been over XXXX business days. I had contacted them a few days earlier about it and they said it would come Monday or Tuesday this week but its already Thursday almost about to be Friday and theres no signs of the refund. This caused me to slack on my bills so now Im behind on bills a little because I thought I would get my refund back in time as Im also not employed. Now I just want my refund back and extra too because they false advertised and mislead me and caused me to get into trouble.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: TX

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Company : JPMorgan Chase Product : Credit card Issue : Account closed without notice / improper hard inquiries What happened? 

I am a Texas resident and had XXXX credit card accounts with Chase, totaling approximately {$25000.00} in available credit. Recently, all XXXX accounts were closed by Chase without prior notice. Only XXXX of the accounts had a balance ( approximately {$2500.00} ) ; the others were in good standing with XXXX balances. I was not behind on any payments, and no fraud or unusual activity had occurred. 

Upon learning of the closures, I called Chase to inquire about the decision and attempt to reopen the accounts. During XXXX separate calls, Chase representatives attempted to submit reinstatement or reconsideration requests. However, both times the system reportedly " froze '' during the process. Despite the failed attempts, each triggered a hard inquiry on my credit report. 

As a result, my XXXX XXXX was negatively impacted in XXXX major ways : Significant loss of available credit ( impacting credit utilization ) Multiple accounts marked as closed by creditor XXXX unauthorized hard inquiries were posted to my credit report These actions were taken without proper notice, consent, or successful processing. I am requesting the following : Removal of the XXXX hard inquiries from all credit reports A written explanation from Chase for the sudden closures Consideration of reopening the closed accounts or at minimum recoding them as closed at consumers request I believe this XXXX violate consumer protection regulations including the Fair Credit Reporting Act ( FCRA ), and I am requesting CFPB assistance in resolving this matter. 

What do you think would be a fair resolution to your issue? 

XXXX removal of the XXXX unauthorized hard credit inquiries Formal written explanation for the closures Correct any inaccurate credit reporting ( e.g., change to closed by consumer if appropriate ) Reopen the accounts or allow reconsideration without additional hard inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under 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 explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Medical Recovery Services, LLC
State: ID

Complaint narrative:
So I have a debt with XXXX XXXX XXXX XXXX. I hadn't seen a bill from them so I decided to reach out to them regarding financial assistance and getting on a payment plan. They agreed to waive XXXX XXXX of the debt due to me being poor and informed me they would send it on to the collection agency that it's been turned over to. I have never once received a call, email, or letter from the collection agency - XXXX XXXX Services. I reached out to them after Googling them and finding them to be extremely sue happy even without a legal reason to. I tried to cooperate with them and try and make this process easy, but they were unhelpful the entire time. Refused to validate the debt, refused to tell me my account number, never called, emailed, texted or sent a letter regarding the debt. Since I reached out and did not want to be sued I began making payments ( Mind you no agreement was signed - they refused that too ) in a total of $ XXXX and today I was issued a summons and was informed that this fraudulent company is suing me. No warning, no communication. I've had to hunt them down and get ANY type of information and they fought me the whole way. Doing a quick XXXX search will tell you that this company sues anyone whose name crosses their desk and most of them they had no legal standing to do so. Today when I got the summons for the suit, I called them and the XXXX there " XXXX '' hung up on me XXXX XXXX  and refused to talk to me. At first, she said that she had a number for the law office that I can call, then hung up on me. I called back she said she can't give it to me and refused to transfer me to anyone else. I want something done as this " company '' is wildly fraudulent and a scam company clearing doing severe damage and ruining people 's lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am complaining about the U.S. Bank. regarding the business checking account. 

In XX/XX/year> I signed up the business checking account with the advertising {$500.00}. 

I followed the terms, deposited {$5000.00} very quick, and maintain the balance over {$5000.00} all the way over 90 days. I also made more than XXXX transactions. 

I haven't seen the advertising bonus sent to me in XXXX. I called and the agent verified that I did have over {$5000.00} maintained and XXXX qualified transactions. She filed the investigation for me and promised I will be contacted, but there was NO emails/callings back to me. 

On XX/XX/XXXX I called again and the agent submitted a dispute for me, She said the business product group will reach out to me in XXXX business days. NEVER got a contact back. 

On XX/XX/XXXX, I had to call again, and the agent was very slow, she did not see any record or notes on my account, she said she did not know what the previous agents had done, but she would submit a request to the business deposit reserved department for me. 

I have no faith with the service. I have completed my qualified activities and the U.S. Bank is playing the tricks. Moreover, on the U.S. Bank app, there is no friendly way to reach out to livechat and they tried to hide the phone number.

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 2025-06-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I canceled my and my XXXX  's account with XXXX, around XX/XX/year> my XXXX  and myself had a phone conversation with XXXX transferring the account to her name only. My XXXX  and I went with a different XXXX the same time. Approximately XXXX  months later I see a large sum of XXXX on my credit report. Several calls to att have not supplied proof or reason behind this. As I paid all remaining balances when I canceled. They have now sold it to Credence resource management collections. I owe nothing to XXXX. I want it off of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: MD

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with non-monetary relief