vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: MS

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge. I have never opened, used, or approved these accounts, and their presence on my credit report is entirely inaccurate and misleading. This misrepresentation of my financial history is unacceptable and must be addressed without delay.

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 2025-07-15 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:
I am reporting a wire fraud incident involving {$72000.00} I sent through TD Bank to an account under the name XXXX XXXX XXXX XXXX. The company falsely advertised a high-yield crypto mining investment promising 48 % annual returns. I wired {$47000.00} on XX/XX/XXXX and {$25000.00} on XX/XX/XXXX to account number XXXX, routing XXXX. The company ceased communication shortly after receiving the funds. 

My concern is that TD Bank failed to perform proper due diligence in opening or monitoring this account, allowing a fraudulent entity to access the banking system. I submitted a written request to TD Bank on XX/XX/XXXX, requesting investigation and reimbursement, but I have received no resolution. 

I am seeking the CFPBs assistance in investigating TD Banks role and requesting that they issue a refund for the full amount lost due to this fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Upon reviewing a copy of my credit report, I have identified the presence of certain inaccurate item ( XXXX ) : XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX LA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX. The following personal information is incorrect Employers : XXXX  XXXX XXXX XXXX. The following personal information is incorrect Employers : 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 2025-07-15 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-07-15 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: NC

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! 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 non-monetary relief
Consumer complaint received 2025-07-15 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: NC

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! 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
In XX/XX/scrub> 2025, my business used our Chase business checking account XXXX XXXX XXXX XXXX to collect {$3500.00} in rental payments via Chase XXXX XXXX 
A few days later, Chase blocked our XXXX access, placed the funds on hold for 3 months in case of disputes. Account had some technical issues and Chase said their tech team was investigating a system issue. We were unable to access or refund the money for over two months.

Three months later, {$2700.00} was refunded to the original senders without our knowledge or permission. Chase later falsely claimed we initiated those refunds, but we could not even access the feature at that point. We never issued any refunds.

A Chase manager promised to return the remaining {$780.00}, but instead the bank closed our account, charged {$62.00} in fees, and never returned the balance. We sent Chase a written demand letter, which they ignored.

This mishandling of funds, false claim, and closure without resolution caused real financial harm to our business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: 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 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XXXX occasions within XXXX months an account has been opened in my name and information at US Bank. US Bank was notified immediately after the first account was opened on XX/XX/XXXX and assured me there would be an investigation. 

On XX/XX/XXXX, US Bank opened another checking account with my information and accepted a {$35.00} deposit into that account. 

US Bank informed me to freeze my credit to ensure this does not happen again. My credit was frozen at all XXXX bureaus before any of this activity happened. It is now also reported at XXXX XXXX. US Bank appears to not be doing its due diligence to prevent fraudulent accounts. 

Wait times to report fraud are XXXX minutes every time I have called. US Bank does not have adequate staff to handle fraud complaints in a timely 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 2025-07-15 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: FL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-15 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: LEXISNEXIS
State: GA

Complaint narrative:
I am writing to formally dispute fraudulent activity on my credit report as a victim of identity theft, as protected under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the Fair and Accurate Credit Transactions Act ( FACTA ). The following accounts or transactions were opened or reported without my authorization and must be removed immediately : Fraudulent Account ( s ) /Transaction ( XXXX ) XXXX XXXX account # XXXX XXXX U.S.C. 1681c-2, I am requesting that these fraudulent accounts be permanently blocked from my credit report. Additionally, under 15 U.S.C. 1681i, I request an immediate investigation into this matter. I have attached a copy of my Identity Theft Report, as required under the FACTA, along with copies of my government-issued ID and proof of address.

Furthermore, under 15 U.S.C. 1681s-2, any creditor or data furnisher reporting these fraudulent accounts must be notified that they are the result of identity theft and that they must cease all collection efforts. If this request is not addressed within 30 days, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue my rights under federal law. 



Please send me written confirmation once the fraudulent information has been removed. You may contact me at if further information is required. 



Thank you for your prompt attention to this serious matter. 



Enclosures : Copy of Identity Theft Report ( FTC & Police Report ) Copy of Government-Issued ID Proof of Address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: MD

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 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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: MD

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 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!

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 2025-07-15 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 letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: IL

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this formal complaint due to numerous and repeated violations on my credit reports that have caused me emotional distress, financial harm, and potential exposure to identity theft. I am disputing incorrect personal address, inaccurate payment history, and multiple unauthorized hard inquiries. These entries are severely damaging my creditworthiness and were not corrected despite previous efforts. 
XXXX XXXX XXXX XXXX XXXX XXXX  Late Payments | Date Opened : XX/XX/XXXX | High Balance : {$590.00} Issue : Late payments are reported inaccurately on this account. I have made timely payments, and the dates of delinquency do not match my records. 
Law : FCRA Section 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or reasonably believe is inaccurate. 
Story : These false late payment entries have caused my credit score to drop, impacting my ability to qualify for loans and better interest rates. I contacted the creditor, but they failed to provide any verification of the alleged delinquencies. I request an immediate deletion or full validation of these entries. 
XXXX XXXX XXXX XXXX | Date : XX/XX/XXXX Issue : I did not authorize this hard inquiry. 
Law : FCRA Section 604 ( a ) ( 3 ) allows a credit inquiry only with a permissible purpose and consumer consent. 
Story : I have never applied for any loan or credit product from XXXX on or around the mentioned date. This inquiry has appeared without my permission and may indicate unauthorized access or fraud. 
I am requesting that the CFPB investigate these violations of the Fair Credit Reporting Act. I have suffered financial harm, emotional stress, and fear of identity theft due to these false, outdated, or unauthorized credit entries. I respectfully demand deletion of the wrong address, removal or correction of inaccurate accounts, and removal of all unauthorized hard inquiries listed above. I am attaching identification documents and supporting dispute materials with this submission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: AR

Complaint narrative:
Ive submitted multiple reports about identity theft. The credit bureaus have blantantly ignored my letters and have not blocked or removed any of the accounts as they do their investigations. They are not following the protocol of the federal 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 2025-07-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: M&T BANK CORPORATION
State: UT

Complaint narrative:
We ( myself and XXXX XXXX ) recently sold our home via XXXX XXXX XXXX with M & T Bank. This sale occurred on XX/XX/year> in the state of XXXX. Addendum XXXX line XXXX of the sales contract states the sellers ( myself and XXXX XXXX ) were to receive the balance of the escrow account upon the sale of the home. These documents were filed with M & T Bank. It is mid XXXX and I found out today they sent all those funds to the buyer. I have been fighting with them since closing to get an escrow check sent out to us and they keep skirting the issue of us not getting it in the mail. M & T Bank has defrauded us and we want the escrow balance plus damages. 

During the transaction ( I also served as the Realtor and am on title to the house prior to the sale ) M & T Bank kept losing our documents, discussing other peoples transactions with us thinking it was ours, and were completely disorganized and unprofessional. This is mortgage fraud. M & T Bank has committed mortgage fraud against a veteran. And this was a VA loan. 

XXXX XXXX is the veteran and his VA loan was associated with this home. I can not include both myself and XXXX XXXX on this form but have included his military info at the end. I am not the veteran, he is. We are both impacted by the actions of M & T Bank. XXXX was the primary on the loan and I was on title with him.

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 2025-07-15 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: GA

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! 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 non-monetary relief