vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
In XX/XX/XXXX, we opened a Certificate of Deposit ( CD ) at TD Banks XXXX branch in XXXX, MA. We were explicitly told by the teller that we would receive the promotional 5 % interest rate without needing to open a checking account. We asked this question directly, and the teller clearly confirmed that no checking account was required. 

After opening the account with {$50000.00}, we checked the TD mobile app and noticed the CD showed only a 1 % interest rate. We brought this to the tellers attention immediately. She told us that the rate would update soon but could not explain why it was displaying incorrectly. She reassured us not to worry and led us to believe we would still receive the 5 %. 

At maturity in XX/XX/XXXX, we received only 1 % interest. When we followed up, we were informed that the higher rate applied only to customers who had also opened a checking account. This critical detail had never been disclosed to us during the account opening. Had we known, we absolutely would have opened a checking account at that time. 

We submitted a formal complaint in XX/XX/XXXX. TD Banks XXXX Customer Service referred our case to the XXXX XXXX XXXX XXXX. They then directed us to contact XXXX XXXX XXXX at TD Bank. We emailed him twice on XX/XX/XXXX and XX/XX/XXXX but received no response. 

In addition to the interest rate issue, we believe a CD-related document was not returned to us when we closed our account on XX/XX/XXXX. We requested that TD Bank XXXX XXXX footage from the XXXX branch between XXXX XXXX and XXXX XXXX that day to verify whether the document was returned. 

We are seeking a full explanation, compensation for the lost interest, and a formal response to our complaint. We also request that this matter be handled at the corporate level, as we are uncomfortable returning to the branch where the misinformation occurred. 

Communication Timeline : XX/XX/XXXX Email sent to TD Bank Customer Service ( XXXX ) XX/XX/XXXX Follow-up email to Customer Advocacy and Insights at TD Bank XX/XX/XXXX Second follow-up to Customer Advocacy and Insights at TD Bank XX/XX/XXXX ( XXXXXXXX XXXX ) Email to TD Bank Customer Service ( XXXX XXXX XX/XX/XXXX ( XXXX XXXX ) Response from Chairman 's Service Center XX/XX/XXXX ( XXXXXXXX XXXX ) Email to XXXX XXXX at TD Bank XXXX XXXX XXXX XXXX XXXX email to XXXX XXXX at TD Bank XXXX XXXX XXXX XXXX Final follow-up to Chairman 's Service Center

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2025-04-09 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. Accounts in Question : ( List accounts ) XXXX XXXX  Account Number : XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. 2. 15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 3. 15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 4. 15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 5. 15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 6. 15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX : {$2100.00}

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 2025-04-09 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: LA

Complaint narrative:
XXXX # XXXX Account does not meet requirements of the Fair Credit Reporting Act. XXXX reported inaccurate information. They had WRONG ADDRESS, which resulted in failure to notify or communicate properly. The Address reported is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA. XXXX. I have never lived here or been associated with this address. Therefore, I did not receive any attempt to collect this debt or any other relevant documentation. Attached is proof of previous and current address. Account is Paid in full after noticing on credit report. Please Remove account from credit reports.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX # XXXX Account does not meet requirements of the Fair Credit Reporting Act. XXXX reported inaccurate information. They had WRONG ADDRESS, which resulted in failure to notify or communicate properly. The Address reported is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA. XXXX. I have never lived here or been associated with this address. Therefore, I did not receive any attempt to collect this debt or any other relevant documentation. Attached is proof of previous and current address. Account is Paid in full after noticing on credit report. Please Remove account from credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: AZ

Complaint narrative:
XXXX has unjustly taken my account XXXX and wont allow me to withdrawal funds to my verified bank account and or debit card even though that debit card has been linked to my account consistently for months and Ive never had any issues with it. XXXX wont let me open any new positions or withdrawal any funds to my verified bank account or debit card. XXXX is stealing my money, holding it XXXX, and restricting my account so I have no access even though my funds are still in the account with no way to get them out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: IN

Complaint narrative:
I am disputing these accounts and inquiries because they are fraudulent and unauthorized. I did not open these accounts nor did I apply for any credit that would justify these hard inquiries. This is a clear case of identity theft. I demand that these items be investigated and permanently removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX # XXXX Account does not meet requirements of the Fair Credit Reporting Act. XXXX reported inaccurate information. They had WRONG ADDRESS, which resulted in failure to notify or communicate properly. The Address reported is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA. XXXX. I have never lived here or been associated with this address. Therefore, I did not receive any attempt to collect this debt or any other relevant documentation. Attached is proof of previous and current address. Account is Paid in full after noticing on credit report. Please Remove account from credit reports.

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 2025-04-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Obstruction by Experian to remove fraudulent things off credit report please see attached letter in files

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
Account has been on auto payment for duration of loan XXXX. 
Every payment i make is reversed back to my bank account. Have tried to pay off loan entirely. Does not work. All account information is correct. 
They have now reported to the credit agencies that I am past due. However I have been trying to pay for XXXX years. Can not make a payment

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 2025-04-09 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. Accounts in Question : ( List accounts ) XXXX XXXX Account Number : XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : XXXX. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. 2. 15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 3. 15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 4. 15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 5. 15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 6. 15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: NJ

Complaint narrative:
XXXX is breaking FCRA rights. They broke the consumers right to privacy, they're reporting incomplete and inaccurate information on the equitable consumer reports. Credit reporting agencies must follow reasonable procedures and must be fair and equitable to the consumer. There has been many violations in the FCRA section 1681. They are reporting accounts that are not Metro 2 compliant and that are 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 non-monetary relief
Consumer complaint received 2025-04-09 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: MA

Complaint narrative:
My credit report reflects multiple unauthorized hard inquiries that I did not approve. These entries are actively damaging my credit standing and raising serious red flags regarding potential identity theft. Despite previous assurances from XXXX that these inquiries would be removed, they remain unresolved. 

This is an alarming violation of my rights under the Fair Credit Reporting Act ( FCRA ) and a direct breach of my privacy. The continued presence of these unauthorized entries is unacceptable and is causing me significant emotional distress and financial harm.

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 2025-04-09 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: FL

Complaint narrative:
Ive been trying to get XXXX fraudulent accounts removed from my credit report for months from XXXX XXXX XXXX. I submitted everything Experian requested, including a FTC report, ID, and a utility bill but they keep saying its not sufficient without explaining why. Theyve already removed other accounts related to this case, so I dont understand why these XXXX remain. I feel like XXXX getting the runaround, and this is impacting my credit and peace of mind. These accounts have already been proved as fraudulent and removed from XXXX and XXXX and the collection agency.

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 2025-04-09 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:
IM A VICTIM OF IDENTITY FRAUD THE ACCOUNTS IVE DISPUTED AND PUT THE CREDITORS AND CREDIT BUREAUS ON NOTICE OF THE FRAUDULENT ACCOUNTS, ARE IN THE XXXX REORT ATTACHED. THE METHOD OF VERIFICATION OF EACH ACCOUNT IS BEING REQUESTED ALSO.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing a complaint against Equifax regarding their failure to respond to my dispute letter. On XX/XX/XXXX, I mailed a dispute letter to Equifax via certified mail ( tracking # XXXX ), requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my report. 

To ensure my identity was properly verified, I included the following documents with my dispute : A copy of my government-issued ID A copy of my Form XXXX A recent bill showing my current address Despite this, I did not receive any response or investigation results from Equifax. Subsequently, I sent another dispute letter to Equifax dated XX/XX/XXXX. Despite my clear and thorough request, I did not receive any response from Equifax with investigation results. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to conduct a reasonable reinvestigation when the accuracy or completeness of information in a consumer 's file is disputed. It appears that Equifax has violated my rights as a consumer by failing to conduct such an investigation upon receipt of my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Multiple times has big sums of money been taken out of my account with no information on what its for and Im not able to get it back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My credit report contains incorrect address information that needs to be removed. I have attached supporting documents to verify my request, and I urge you to update my records accordingly. Please prioritize this matter and remove these inaccurate addresses as soon as possible.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry XX/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 2025-04-09 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: MA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-09 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: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My account was set up for auto pay and when it was time to go thru it didn't work. Called multiple times to set it up and have payment go thru was told everything went thru only to find out I was behind when I went to make the new months payment. They showed we did try to make payment multiple times. Called to try to resolved it and they said they could not add any comments that it was their fault because they keeped messing up on our payment. Ended up calling again to make the past due amount and the new payment at the same time. Finally went thru but now shows a late payment on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation