vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I deposited a check for a settlement, TD Bank decided to hold the check, but then the bank thought it was fraud so they froze my account, placed the funds on a 7 day hold, and then proceeded to tell me after the hold that the account would be closed, but I can not get my money because my account is frozenXXXX XXXX is when I deposited the check, I was told it would be 1-3 days for the funds to be available. 2 days later on the XXXX was told there is a hold on the funds. The funds were put on a 7 day hold until the XXXX, and then the bank proceeded to tell me the account is frozen and I have to wait for the Fraud Department to release the freeze. Since the XXXX, I still keep getting the run around on when I can get my funds, and my family and I are at risk of homelessness if I do not get these funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: MT

Complaint narrative:
ON XXXX, A PAYMENT WAS MADE TO ALLY FINANCIAL PURSUANT TO PUBLIC LAW 73-10 40 stat 411. In compliance with UCC 3-603, and the tender of payment has been dishonored. Is the alleged lender obligated to comply with the Uniform Commercial Codes that govern consumer transactions, particularly UCC 3-603 ( b )? See attached Affidavit of Tender of Payment with Post office Delivery Confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My Bank of America debit card was used for unauthorized transactions.

A fraud claim was filed and later closed before I could submit my police report.

I have since submitted a police report.

I am requesting Bank of America to reopen the closed debit card fraud claim or file a new Regulation E debit fraud claim and refund the unauthorized transactions.

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 monetary relief
Consumer complaint received 2025-12-27 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: MA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XXXX XXXX XXXXUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-12-27 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: LEXISNEXIS
State: FL

Complaint narrative:
I am a victim of identity theft. My personal identifying information was compromised in major data breaches, including the XXXX  and XXXX breaches. As a result, fraudulent credit accounts were opened using my identity without my knowledge, consent, or authorization. 
LexisNexis Risk Data Management maintains consumer files and furnishes consumer information used for credit decisioning and identity verification. Information associated with the following fraudulent accounts is present in or derived from LexisNexis records and is being furnished or relied upon by third parties : 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 I submitted a formal identity theft dispute to LexisNexis, along with a completed FTC Identity Theft Report and proof of identity, Social Security number, and residence. Despite this notice, LexisNexis has failed to delete, block, or suppress data associated with these fraudulent accounts and continues to maintain or furnish inaccurate identity-theft-related information. 
This failure to correct or suppress identity theft data after proper notice violates LexisNexiss obligations under the Fair Credit Reporting Act to maintain reasonable procedures to assure maximum possible accuracy and to correct or delete inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: VA

Complaint narrative:
Iam submitting this complaint because this collection agency is furnishing my personal information without a permissible purpose and without my authorization, which constitutes a breach of my personal data. 

I have never had any business relationship, services, or contractual dealings with these companies. I did not authorize them to obtain, access, store, or furnish my personal identifying information. 

Under FCRA 604, a consumer reporting agency or furnisher may only access or report consumer data for a lawful and permissible purpose. At this time, no such purpose has been demonstrated. This company has not provided documentation showing : A valid consumer transaction involving me Lawful assignment or ownership of the alleged his My consent to access or furnish my credit information A legitimate purpose for accessing my credit file Because no permissible purpose has been established, the continued reporting of this account appears unauthorized and unlawful. 

The appearance of this account on my credit report indicates that my personal data may have been obtained or used without authorization, raising serious concerns of improper data handling and potential data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
have about 5 different Store or Chain branded accounts with Synchrony Bank ( XXXX, Lowes, Care Credit, XXXX, and JCP. The first account openings date back to XXXX and XXXX. 

However, I have 2 issues with the XXXX branded card. First off, I have a late fee they would not waive. I have 3 payments due on the 2nd and all mailed at the same time. The other 2 posted in plenty of time ( including a XXXX branded synchrony card mailed to same city as XXXX branded. The payment posted on the 3rd. However it did not show in their system to I made a second payment once I realized on 3rd it was not posted and going to be late, that then showed posted on 4th. They would not waive the late fee, even though I feel it was a processing delay on their end. I would like the {$30.00} fee waived. I mail all my bills in plenty of time, even with our sucky USPS. 

Secondly, they are charging a fee for providing a paper statement. I personally do not like paperless billing as I tend to get my mailboxes swamped and can overlook and forget about making a payment if they are out of sight and out of mind. I also like a paper copy to go through to make sure there are no false charges or jacked up fees companies are trying to pass through. I contacted Synchrony about this and they were no help. It is very sad as I have not had any service issues or fee issues from them until now. I did not cause any inflation or cost increase to them. And I would think the APRs they are charging would cover any cost to provide me the service of a paper bill so I can pay them money. I would like them to not charge me a fee on all of my accounts with them. This is the second time that I have submitted this issue on the paper statement fees and I would hope the new leadership would be on the side of the American people as we battle price increases and inflation that was a result of the previous administration vs. the old regime that ended in 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 2025-12-27 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: MO

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: OK

Complaint narrative:
A guy came to my door and sold me a home security system. It was monthly payments. A month after getting the home security system, I got a bill from a bank in MO. for almost XXXX. They told me that the home security place opened a credit card in my name for XXXX. I immediately called the home security company and told them NO way she canceled everything. They refused to let me cancel and they called for years and told them that I would see them in court because that was not part of the deal. XXXX, I think it's the creditor. I can't remember the name of the home security company. But they are from Florida... 

I need help. I did not open this account.

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 2025-12-27 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:
XXXX XXXX requested detailed accounts. I provided that information attached to this complaint.

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 2025-12-27 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I am submitting this complaint regarding a denied credit card dispute for a hotel cancellation fee charged by XXXX XXXX XXXX. 

I made a reservation using XXXX points for a stay on XXXX XXXX XXXX. I canceled the reservation nearly two weeks before the check-in date, believing there would be no penalty. Earlier in XXXX, I booked several XXXX hotels with the same website layout and booking interface, all of which had a XXXX hour cancellation policy. The XXXX XXXX XXXX booking page appeared nearly identical, leading me to reasonably believe the cancellation terms were the same across XXXX properties. 

At the time I canceled the reservation, the website did not display any warning or notice that a cancellation fee would apply. Based on this, I canceled in good faith, assuming there would be no charge. 

After the cancellation fee was posted, I contacted both XXXX and Chase. XXXX declined to issue a courtesy refund. I then filed a dispute with Chase explaining the circumstances, including that the reservation was made with points, the cancellation occurred well before check-in, and no warning was shown at cancellation. Chase denied the dispute without addressing the lack of warning or the reasonable confusion created by the identical booking interface.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: PA

Complaint narrative:
I have identified several accounts on my credit report that I do not recognize and did not authorize. Based on my review, these items appear to be the result of identity theft or fraudulent activity. I previously notified the credit reporting agency of this issue ; however, the unauthorized accounts continue to be reported. I am formally requesting the immediate removal of all accounts that were opened, furnished, or reported without my authorization. These items are inaccurate, unverifiable, and do not reflect my true credit history or financial responsibility.

The continued reporting of these unauthorized accounts has caused substantial hardship and has negatively impacted my ability to achieve important financial goals, including securing housing and supporting my family. I respectfully request that this matter be resolved promptly and in full compliance with 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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance 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 explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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:
XXXX XXXX, AND TRANSUNION HAS FAILED TO PROPERLY INVESTIGATE THIS FRAUDULENT ACCOUNT OPENED WITHOUT MY KNOWLEDGE OR CONSENT. I HAVE SENT IN POLICE REPORT, FTC REPORT, ALL verification REQUESTED FROM ME AT LEAST XXXX OR XXXX TIMES AND EACH TIME DISPUTES ARE NOT BEING INVESTIGATED, ITEMS ARE BEING REMOVED AND REINSERTED. I HAVE CONTACTED EACH BUREAU TIME AFTER TIME, SENDING INFORMATION RELATED TO THIS XXXX XXXX XXXX XXXX  AUTO LOAN OPENED FRAUDULENTLY WITHOUT MY KNOWLEDGE.

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 2025-12-27 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: TX

Complaint narrative:
EXPERIAN, XXXX XXXX XXXX HAS FAILED TO PROPERLY INVESTIGATE THIS FRAUDULENT ACCOUNT OPENED WITHOUT MY KNOWLEDGE OR CONSENT. I HAVE SENT IN POLICE REPORT, FTC REPORT, ALL verification REQUESTED FROM ME AT LEAST XXXX OR XXXX TIMES AND EACH TIME DISPUTES ARE NOT BEING INVESTIGATED, ITEMS ARE BEING REMOVED AND REINSERTED. I HAVE CONTACTED EACH BUREAU TIME AFTER TIME, SENDING INFORMATION RELATED TO THIS XXXX XXXX XXXX XXXX AUTO LOAN OPENED FRAUDULENTLY WITHOUT MY KNOWLEDGE.

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 2025-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
I got behind on my loan when the XXXX XXXX of XXXX  came around and I was unable to catch up payments of {$680.00} a month. Because of no work and unemployment was not enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
Dear FCO I hope this letter finds you well. I am writing to request a goodwill adjustment regarding my account that was previously in collections. 

I want to acknowledge that I fully understand my financial obligations, and I have since paid the outstanding balance. I am committed to maintaining a positive payment history and improving my creditworthiness. 

I kindly request that, as a gesture of goodwill, you consider removing this collection account from my credit report. This adjustment would greatly help me continue on my path to financial stability. 

Thank you for your time and consideration. Please feel free to contact me at XXXX if you need any further information. 

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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the XXXX and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance. 
XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>, XXXX XXXX XXXX XXXX XX/XX/year> XXXX EXPERIAN XXXX XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, EXPERIAN XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation