vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Subject : Fraudulent Bank Accounts Opened Without My Consent Summary : I am filing this complaint regarding fraudulent bank accounts that were opened in my name with XXXX XXXX XXXXXXXX, TD Bank, XXXX, and XXXXXXXX XXXX  during periods when I was incarcerated and could not have opened or authorized such accounts. 

Details of the Complaint 1. XXXX XXXX XXXXXXXX Account fraudulently opened in XXXX. 
2. TD Bank Account fraudulently opened in XXXX. 
3. XXXXXXXX XXXX Account fraudulently opened in XXXX. 
4. XXXX Account fraudulently opened in XXXX. 

At each of these times, I was incarcerated and had no ability to open or authorize any bank accounts. These accounts were opened without my knowledge or consent, which indicates my personal data and identity were compromised. 

Actions Taken 1. I contacted each of the banks to dispute the accounts.

2. Each bank acknowledged irregularities but informed me that I have been placed on a red flag list and am now banned from opening new accounts.

3. Despite explaining that I was incarcerated during these years and could not have been responsible, the banks have failed to clear my name or restore my ability to open a legitimate account.

Current Harm I currently have a job and a pending legal settlement from a car accident lawsuit.

I urgently need access to a functioning bank account to deposit wages and potential settlement funds. 
Being blacklisted from opening accounts is causing severe financial harm and preventing me from handling basic needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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:
This is my THIRD attempt to resolve the fraudulent information on my credit report under FCRA 605B. I previously submitted a valid FTC Identity Theft Report and supporting documents confirming the fraudulent nature of these accounts and inquiries. 
You are LEGALLY REQUIRED to block these items within XXXX business days of receipt : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7400.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Primus Law PC
State: UT

Complaint narrative:
I first discovered that I had a collections when I had my credit report run while attempting a larger purchase. I successfully disputed the collection on all XXXX  major credit reporting bureaus and had it removed as the debt collector could not provide definitive information that I owed this debt. A short time later, Primus Law contacted me to inform me that I owed the debt and that XXXX XXXX XXXX had attempted to contact me, to which I informed them that none of that had taken place as they claimed. I requested under FDCPA that Primus Law hold collections and only contact me through email, stating that I would not speak with them verbally. I asked that they include details and paperwork that indicated that I owed the debt. They only provided me with the bill that XXXX XXXX supposedly sent me, and returned copies of my deleted debt proof with the credit bureaus. I then mailed them a second letter on XX/XX/XXXX, requesting that they contact me through email and demanded more details such as : Documentation of all prior communications sent to me regarding this debt. Proof of all notification attempts before sending the debt to collections, and an explanation for XXXX XXXX  lack of contact until after my credit bureau disputes. An investigation into the credit bureaus findings supporting my dispute, with evidence to the contrary. Evidence explaining the re-pursuit after credit bureau deletions. The Chain of Custody for this debt. Primus Law has yet to contact me to provide me with the information required, however someone from XXXX XXXX  came pounding at my door and left a card. I can only assume this is an escalation by Primus Law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSEND WRITTEN DISPUTES TO: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account #: XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CO XXXX XXXX XXXX XXXXOriginal Creditor: XXXX XXXX XXXXPlaced for collections on: XXXX XXXXriginal XXXX XXXXurrent Principal:\XXXX XXXXnterest DueXXXX XXXXXXXXTotal DueXXXX XXXX XXXXDear XXXX XXXX XXXXWe are pleased to offer you a Payment Plan Agreement (PPA) to help resolve your outstanding debt with Columbia Debt Recovery, LLC dba Genesis. The details of the agreement are as followsXXXX XXXXOption 1:XXXX- Initial Payment: XXXX due upon acceptance of this agreemenXXXX- 12 consecutive monthly payments of XXXX XXXX  afterXXXX Any further interest accrued after the first payment will be waived\n\nupon timely completion of the 12-month consecutive payment plan.\n\n XXXX XXXX  Initial PaymentXXXX XXXX  due upon acceptance of this agreementXXXX XXXX consecutive monthly payments of XXXX XXXX thereafterXXXX Any further interest accrued after the first payment will be waived\n\nupon timely completion of the 18-month consecutive payment plan.\n\n XXXX XXXX XXXXemporary Hardship Agreement: XXXX XXXX  per month for 6 months.XXXX  Continued interest due until a permanent plan is established.\n\n XXXXYou may not qualify for these offers if you are currently or have arranged payments on this account in the past.  We encourage you to contact our office to determine your eligibilityXXXX XXXXTo accept this offer, you must elect automatic payment from your debit or credit account. Payments must be scheduled no later than 31 days apart and cannot miss any calendar month. Any declined, blocked, returned, or reversed charges that you authorize will void any obligation for Genesis to carry out this agreement.  This offer expires if the terms have not been accepted within 15 days of receiving this offeXXXX XXXXPlease contact us at XXXX to discuss or accept this offer.\XXXX XXXXCOLUMBIA DEBT RECOVERY LLC DBA GENESISXXXX XXXXThis is an attempt to collect a debt by a debt collector. Any information will be used for that purpose. As of the date of this letter you owe the amount stated above. Your account bears interest at XXXX percent per annum. Because interest and other charges vary from day to day, please contact us to learn the exact amount you owe as of the date of your payment.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
Company : National Credit Systems , Inc . 
Account : XXXX ( Apartment collection XXXX XXXX, now XXXX XXXX XXXX XXXX  ) Amount reported : {$290.00} I am disputing a collection tradeline reported by National Credit Systems ( NCS ) for an apartment I previously rented at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). At move-out, the property manager emailed me that my balance was {$0.00} ( see attached email with full headers dated [ XX/XX/XXXX | XXXX | Assistant property Manager XXXX XXXX ) XXXX I also had an NDA/release with XXXX XXXX following the final walk-through that excused me from any balance ( see attached email thread referencing my executed NDA/release ). I was never notified that I owed anything after move-out. 

Despite this, NCS began reporting a {$290.00} debt approximately a year later ( first reporting around [ XX/XX/XXXX ] ). When I attempted to dispute, I mailed a certified dispute to the address NCS furnishes on my credit report, but USPS returned it undeliverable ( proof attached ), meaning the furnisher address on file is incorrect and blocked my ability to exercise dispute rights. 

I then called NCS. A supervisor was extremely rude and dismissive. A higher-level supervisor told me to send my evidence and said she would forward it to the client, but cautioned the client might still refuse to dismiss or settle. NCS has not provided proper validation, has not corrected the tradeline, and did not respond substantively to my dispute. I also have call recordings and detailed notes available upon request. 

Requested Relief : Delete the NCS tradeline from XXXX XXXX XXXX XXXX, or correct it to {$0.00} / Closed Paid or Settled, and mark it disputed by consumer. 

Require NCS to conduct a reasonable investigation under FCRA 623/Reg V, reconcile the propertys {$0.00} email and NDA/release with any ledger, and provide documentation ( itemized ledger, move-out inspection/photos, deposit disposition with proof of timely mailing, and client authorization to furnish ). 

Require NCS to update a valid current business address with the credit bureaus so consumers certified disputes are deliverable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: PA

Complaint narrative:
I purchased items from an app called XXXX. When I received the items, they were not what I purchased. I contacted XXXX several times, I even paid a 3rd party Authenticator to authenticate these items, which proved they were fake. XXXX refused to allow me to send the items back for a refund. So I contacted Discover bank, as these purchases were made via my discover bank debit card. Discover is refusing to do anything about it, even though these purchases should be covered under Regulation E as banking errors/ items not as described, but they are refusing to do anything about it, even though XXXX is violating their own XXXX by refusing to refund purchases that were fraud. So from what Discover has told me over the phone is they wont help at all and only XXXX can do anything, even though XXXX has refused to even give me the courtesy of a response besides generic automatic replies that they have received my request. I can not understand how Discover bank can offer no purchase protection to consumers who have got scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have sent numerous emails to credit one bank and XXXX XXXX XXXX, to remove the inaccurate late payments affecting my credit. Credit one sold my account to XXXX funding and has continued to report late payments on a closed false account and the dates on all 3 bureaus all have false dates not matching.

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 2025-08-25 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: FL

Complaint narrative:
I am writing to formally dispute the accuracy and continued reporting of charged-off account listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be inaccurate, incomplete, or unverifiable. I am also referencing the Federal Trade Commission ( FTC ) guidance on consumer rights under the FCRA. 
Please investigate the following account and verify its accuracy, including whether it was reported in compliance with federal guidelines : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-08-25 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: AR

Complaint narrative:
These accounts are being reported under my name without my knowledge or authorization, and I have never opened, authorized, or managed them. This is unacceptable and constitutes a serious misrepresentation of my financial history. I take my credit profile extremely seriously, and the presence of these unauthorized accounts is deeply concerning. I require immediate clarification as to why these accounts are appearing and who is responsible for reporting them.

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 2025-08-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: CASHCALL, INC.
State: CA

Complaint narrative:
I borrowed money from Cashcall years ago. I received an email stating that Cashcall lost a court order and was going to refund me an amount. That was about XXXX years ago. I have not received my refund. I contacted a law firm which said they were involved with the refunds. I have not heard from that law firm as well. Name of that law firm was XXXX XXXXXXXX XXXX XXXX  My wife recently passed away and I need my refund to take care of matters. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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