vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
Over the fall of XXXX, I relocated from XXXX  to XXXX. During the months from XX/XX/XXXXXXXX  through XX/XX/XXXX, I experienced repeated lockouts from my TD Bank online account without explanation or cause. Although I contacted customer service multiple times by phone and temporarily regained access, the issue was never resolved. 

In XX/XX/XXXX, I was once again locked out of my online account. This time, I never regained access. This lockout included my TD Bank checking account and more critically, my TD Bank credit card account. Despite multiple attempts to resolve the issue by phone, I was refused the ability to make payments by phone, which I find unacceptable and unusual for a financial institution. 

As a result, I accrued late fees and received negative marks on my credit report, despite having a strong credit history and always making timely payments to other creditors. The bank also refused to allow me to close the account, prolonging the harm being done. 

I physically visited two different TD Bank branchesin XXXX, XXXX  and XXXXXXXX XXXXseeking resolution. Both branch bankers assured me I would regain access, but I never did. 

Eventually, I returned to the XXXX, XXXX  branch and wrote a personal check to pay off the full balance of my TD credit card. XXXX XXXX I believe is who I spoke with, and he told me that they did not keep records of me ever being on site and no notes from the calls that I have. I can provide call history if needed, but this is absolutely ridiculous. Despite having sufficient funds, TD Bank never processed or cashed this check. This unresolved issue has left me accruing more fees and damage to my credit. 

As a XXXX veteran, making another long trip ( XXXX hours roundtrip ) to a TD Bank branch would be burdensome and unfair. I believe TD Banks failure to provide adequate support, allow alternative payment options, or process my in-person payment constitutes neglect, if not abuse, of basic consumer protections. 

This ongoing issue has caused significant financial harm and emotional distress to me and my family. 

Resolution Requested : Immediate waiver of all late fees and penalties Removal of any negative credit reporting tied to this issue Processing and application of the previously submitted check OR facilitation of an alternative payment method Immediate closure of the credit card account upon resolution Please investigate TD Banks failure to remediate this issue in a timely and fair manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-11 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: OH

Complaint narrative:
Since XX/XX/XXXX, I have made multiple requests from XXXX to provide me with written documentation that I consented to be a co-borrower on the XXXX loan account. However, I was denied written documentation that substantiates I am a co-borrower on the loan. However, there is a signature card stating I am member of the joint checking account. Being a listed as an individual on a joint checking account does not solidify financial responsibility to any loan offered at XXXX. 

All applicants must complete a loan application, and a credit check is performed prior to approval. Additionally, the XXXX XXXX loan information is only listed on my credit history and not my husband 's credit history, and he opened the account prior to our marriage. XXXX is will to remove my name if the account is closed and my husband reapplies for the loan. XXXX has fraudulently listed my name on the account as a co-borrower. Therefore, XXXX should remove my name as requested without me having to seeking legal counsel or my husband having to close the account and reapplying. In XXXX, the checking account was opened with XXXX XXXX XXXX  that became XXXX XXXX XXXX  and is now known as XXXX XXXX. We respectfully seek a resolution to this ongoing issue.

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 2025-07-11 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: FL

Complaint narrative:
I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 ( 7 ).

Linder Section 15 USC 16811 ( 7 ), credit reporting agencies are obligated to provide a description of investigation within 15 days of receiving a consumer 's dispute. 
1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Provide Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately. 
2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Provide Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately. 
3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Provide Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately.

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 2025-07-11 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: FL

Complaint narrative:
I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 ( 7 ).

Linder Section 15 USC 16811 ( 7 ), credit reporting agencies are obligated to provide a description of investigation within 15 days of receiving a consumer 's dispute. 
1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Provide Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately. 
2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Provide Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately. 
3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Provide Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: MA

Complaint narrative:
Qualified Written Request / Notice of Error under RESPA LoanCare Servicing CenterAttn : Customer Service/ RESPA Department [ LoanCare QWR/RESPA Address ] RE : Qualified Written Request / Notice of Error under RESPA To Whom It May Concern : I am writing to formally notify you of an error in the escrow analysis and monthly payment adjustment disclosed in the document dated for the review period XX/XX/XXXX to XX/XX/XXXX, and to request correction under the Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2605 ( e ).

Nature of the Error : According to the Annual Escrow Account Disclosure Statement, the " Current Mortgage Payment '' is listed as : Principal and/or Interest : {$840.00} Escrow : {$560.00} Total Monthly Payment : {$1400.00} However, these figures do not mathematically total {$1400.00}. They equal {$1400.00}, which is a {$27.00} discrepancy. 
This appears to be a systematic or data entry error. I have called LoanCare multiple times regarding this error and referenced XXXX XXXX XXXX. I was told that the system assumes the prior escrow shortage was not paid in full which it was and therefore the payment reflects that assumption. Despite my efforts to clarify this, LoanCare has refused to correct the error. 
Because the Current Mortgage Payment is incorrect, the New Mortgage Payment is also based on a flawed calculation : Principal and/or Interest : {$840.00} Escrow : {$590.00} Prorated Shortage : {$39.00} Total New Monthly Payment : {$1400.00} Requested Actions:1. Correct the error in the " Current Mortgage Payment '' total and verify all components are accurate.2. Provide a full explanation of how the monthly payment amounts ( current and new ) were calculated, including how your system accounted for prior escrow shortage payments.3. Confirm that your records accurately reflect that the prior escrow shortage was paid in full.4. If an error is confirmed, provide a corrected Escrow Analysis and Mortgage Payment Breakdown.5. Provide a full payment and escrow transaction history for the past 1224 months.This is a formal Notice of Error and Qualified Written Request under RESPA. Please acknowledge receipt of this letter within 5 business days and respond with your findings and any corrections within 30 business days as required by law.LoanCares failure to correct the error has left me with no choice but to file a formal RESPA complaint with the Consumer Financial Protection Bureau.Please also be advised that while this matter is under investigation, you may not furnish any negative credit information to any consumer reporting agency regarding this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute a credit inquiry that appears on my credit report. I did not authorize this inquiry, and it was made without a permissible purpose under the Fair Credit Reporting Act ( FCRA ). 

Let me be very clear : I did not apply for credit, services, or any transaction that would warrant this inquiry. Whoever pulled my credit had no legal grounds to do so, and this unauthorized inquiry is a direct violation of my rights under the FCRA, which strictly limits who can access a consumers credit report and for what reasons. 

This inquiry is not only unwarrantedits damaging. Hard inquiries affect my credit score and overall financial profile, and in this case, I am being penalized for something I never agreed to or initiated. Thats unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
Details of the Complaint : I am filing this complaint regarding multiple fraudulent accounts that were opened in my name and reinserted into my credit report without proper legal compliance. Specifically : Two accounts by XXXX XXXX XXXXXXXX ( Account ending in XXXX ) XXXX XXXX XXXX account ( Account ending in XXXX ) These accounts were previously disputed and should have been permanently removed. However, they were reinserted without : 1. Providing me written notice of the reinsertion within 5 business days, as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

2. Disclosing the name, address, and phone number of the furnishers who supplied the reinserted data.

3. Verifying my identity, consent, or authorization for such accounts. 

This is a willful violation of my rights under the Fair Credit Reporting Act ( FCRA ) and has caused significant harm to my creditworthiness and mental well-being. 



Requested Resolution ( Fair Resolution ) : 1. Immediate and permanent deletion of the fraudulent accounts listed above from all credit bureaus ( Experian, TransUnion, and Equifax ).

2. A formal, written explanation identifying the furnishers who reinserted these accounts.

3. A written confirmation from each credit bureau that these accounts will not be reinserted without strict adherence to FCRA 611 ( a ) ( 5 ) ( B ).

4. Compensation for the financial and emotional harm caused by this ongoing identity theft and reinsertion misconduct.

5. That the CFPB investigate and enforce compliance to prevent future violations against myself and other consumers.

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 2025-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ) to report serious violations related to the reinsertion of fraudulent accounts that were previously deleted following identity theft disputes. These accounts reappeared on my credit report without any written notice, as required under federal law.

FCRA Violations : 1. FCRA 611 ( a ) ( 5 ) ( B ) Reinsertion Without Notice When a deleted item is reinserted into a consumers credit report, the CRA must notify the consumer within 5 business days and disclose the furnishers name, address, and phone number.

I was never notified of these reinsertions.

2. FCRA 605B Failure to Block Identity Theft Accounts Once a valid Identity Theft Report is provided, the CRAs must block and exclude fraudulent accounts from further reporting.

Despite my report, these accounts reappeared and remain active.

3. FCRA 609 ( a ) Lack of Disclosure CRAs must provide full access to information in a consumer file, including the source of any reinserted data. 
I was denied that transparency. 



Reinserted Fraudulent Accounts : XXXX XXXX XXXXXXXX Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX XXXX XXXX XXXXXXXX Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX XXXX XXXX XXXX Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX These accounts were opened fraudulently, previously disputed, and deleted. Their reappearance without proper notification is a direct violation of the FCRA. 



Additional Misuse of Personal Information : My credit report also includes false employment information listed as : XXXX XXXX  This is inaccurate and was not provided by me. 



Requested Resolution : 1. Permanent deletion of all fraudulent accounts and misused personal data from all CRAs ( Experian, Equifax, TransUnion ).

2. A written explanation from the CRAs disclosing : The furnishers of the reinserted data, Why I wasnt notified within the 5-day FCRA window.

3. A block on any future reinsertion unless full compliance with FCRA 611 ( a ) ( 5 ) ( C ) is met.

4. A formal CFPB investigation into the furnishers and credit bureaus involved.

5. Optional : I reserve the right to seek monetary damages under : FCRA 616 for willful violations, FCRA 617 for negligent violations. 



Attached Documentation : FTC Identity Theft Report # XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ) to report serious violations related to the reinsertion of fraudulent accounts that were previously deleted following identity theft disputes. These accounts reappeared on my credit report without any written notice, as required under federal law.

FCRA Violations : 1. FCRA 611 ( a ) ( 5 ) ( B ) Reinsertion Without Notice When a deleted item is reinserted into a consumers credit report, the CRA must notify the consumer within 5 business days and disclose the furnishers name, address, and phone number.

I was never notified of these reinsertions.

2. FCRA 605B Failure to Block Identity Theft Accounts Once a valid Identity Theft Report is provided, the CRAs must block and exclude fraudulent accounts from further reporting.

Despite my report, these accounts reappeared and remain active.

3. FCRA 609 ( a ) Lack of Disclosure CRAs must provide full access to information in a consumer file, including the source of any reinserted data. 
I was denied that transparency. 



Reinserted Fraudulent Accounts : XXXX XXXX XXXXXXXX Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX XXXX XXXX XXXXXXXX Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX XXXX XXXX XXXX Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX These accounts were opened fraudulently, previously disputed, and deleted. Their reappearance without proper notification is a direct violation of the FCRA. 



Additional Misuse of Personal Information : My credit report also includes false employment information listed as : XXXX XXXX  This is inaccurate and was not provided by me. 



Requested Resolution : 1. Permanent deletion of all fraudulent accounts and misused personal data from all CRAs ( Experian, Equifax, TransUnion ).

2. A written explanation from the CRAs disclosing : The furnishers of the reinserted data, Why I wasnt notified within the 5-day FCRA window.

3. A block on any future reinsertion unless full compliance with FCRA 611 ( a ) ( 5 ) ( C ) is met.

4. A formal CFPB investigation into the furnishers and credit bureaus involved.

5. Optional : I reserve the right to seek monetary damages under : FCRA 616 for willful violations, FCRA 617 for negligent violations. 



Attached Documentation : FTC Identity Theft Report # XXXX 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 non-monetary relief
Consumer complaint received 2025-07-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX TX XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
The account is showing as a charge off on my credit report, yet theyre still trying to collect the balance from me and they sent it to a debt collector who is now trying to get money from me for the same account {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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:
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  ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: NY

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

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : XXXX 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 response to consumer: Closed with explanation