vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against TD Bank , N.A . regarding the improper imposition of international ATM fees on my TD Relationship Checking Account, in violation of the accounts stated terms. 

Complaint Details I hold a TD Relationship Checking Account, which explicitly states that ATM fees should not be charged. However, beginning in XX/XX/year>, TD Bank started charging me a 3 % international ATM fee on transactions conducted outside the United States. 

On XX/XX/scrub> 2025, at XXXX XXXX EST, I spoke with TD Bank representatives XXXX and XXXX regarding these unauthorized charges. XXXX informed me that the fee is being imposed by XXXX, which contradicts my prior experience, as I was never previously charged such a fee under the same account terms. Furthermore, the Fee is disclosed as an Intl. ATM Fee on my statement ( not a third party fee a TD Bank Fee ). Both representatives also stated that TD Bank would not refund these charges, despite my account agreement explicitly stating that such fees should not apply. 

Legal and Regulatory Violations I believe TD Banks actions constitute a violation of federal banking and consumer protection laws, including but not limited to : Electronic Fund Transfer Act ( EFTA ) ( 15 U.S.C. 1693 et seq. ) : Financial institutions must clearly disclose all fees related to electronic fund transfers and adhere to the terms of their agreements. The sudden imposition of this undisclosed fee violates these disclosure requirements.

Regulation E ( 12 C.F.R. Part 1005 ) : Requires financial institutions to provide proper notice of changes in terms related to fees. I did not receive any prior notice from TD Bank regarding the imposition of this new charge.

Consumer Financial Protection Act ( 12 U.S.C. 5531 et seq. ) : TD Banks failure to honor the terms of my account agreement and its misleading explanation regarding the source of the fees may constitute unfair, deceptive, or abusive acts or practices ( UDAAP ).

Requested Resolution I am requesting the following corrective actions : 1. A full refund of all unauthorized international ATM fees charged to my account since XX/XX/year>2025. 
2. A formal investigation into TD Banks imposition of these fees and whether they are improperly altering account terms without proper notice.

3. Assurance that TD Bank will cease imposing these charges in violation of the stated terms of my account.

I respectfully request that the CFPB investigate this matter and take any necessary enforcement actions against TD Bank to ensure compliance with federal regulations. Please keep me informed of any developments regarding my complaint.

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Cascade CISS Holdings, LLC
State: PA

Complaint narrative:
Dates was XXXX2025 To XXXX2025 maybe longer. I tried to contact the bank the lady that I talked to, but she didnt wan na really talk. She just wanted to provide false advertisement and kept telling me different things so I told her until she explained everything to me I do not want her to run my credit because she was acting hesitant of doing business with me. I feel like I was racially profiled, and I really would like this matter looked into. Because the woman that I talk to was very unprofessional, she was acting like she didnt wan na do business with me and shes just a worker at the bank. At the bank. I feel like she committed fraud and thats what XXXX taking this as fraud false advertisement racially profiled by bank. I would like them to take that off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XXXX XX/XX/year> I saw that XXXX XXXX had charged my checking account at Bank of America the amount of {$3700.00}. Since I was traveling, and it was a holiday, I decided to wait until I came back to the XXXX to make my complaint. In XXXX, I calledXX/XX/XXXX to the number provided next to the charge in my account. They said they could not see the charges on their side. That it was probably a mistake. 
I made a then a claim to Bank of America. On XX/XX/XXXX they sent a letter telling me they were unable to approved my claim because " the charge was authorized by you or someone that has permission to use the card or account ''. 
I have tried to contact BOA many times to explain the situation but I have been unable to get a human being to talk. I called the office of XXXX XXXX that handle the insurance of two of my apartments in XXXX. They said that they can not see that big charge on their side. 
Since it is a big amount of money I beg you to help me. I did not authorized this charge. I live alone. Nobody else has access to my account. This charge was made from a new account after the former one was hacked in XXXX. I thought I was secure. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX please add this new complaint to CFBP case number XXXX I need Wells Fargo case number to be reopen and investigate again for case number XXXX because for bonus {$300.00} promotion code XXXX or for XXXX because I have contacted them before XX/XX/scrub> 2025 and all the agents told me over the phone I have meet the requirements for it and around the XX/XX/scrub> 2025 they review the account to see if I have meet the requirements if I did but I already did they would add it to my account but I already meet the requirements for it before my account was closed out by y'all so I am requesting for this case to be investigated again I dont remember the dates of conversations and dont remember the agents names I was talking to and also requesting yall to give me a onetime credit for the bonus because I have meet the requirements for {$300.00} and mail it to me in the mail to XXXX XXXX XXXX XXXX Pennsylvania XXXX and mail it to XXXX XXXX as a check and my account information is checking account number is XXXX and saving account number is XXXX etc.

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 2025-04-01 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:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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:
I am writing to report identity theft. While reviewing my credit report, I discovered several fraudulent accounts that I did not authorize. These accounts are not mine, and I have no connection to them. These inaccurate accounts are negatively impacting my credit score, limiting my ability to obtain credit, and causing significant inconvenience. I request the immediate removal of these fraudulent accounts from my credit report.

Thank you for your prompt attention to this matter.

15 U.S. Code 1681c2 states Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding the outcome of a fraud investigation conducted by JPMorgan Chase on my business account ending in XXXX. I submitted a fraud report to JPMorgan Chase on XX/XX/XXXX On XX/XX/XXXX, the bank determined I was responsible for unauthorized transactions that occurred while I was the victim of identity theft and medically incapacitated. I strongly dispute this decision. 

The credit card tied to my account was lost or stolen, and I did not authorize the transactions in question. I promptly reported the suspicious activity to Chase and submitted medical documentation showing I was XXXX  and therefore physically and cognitively unable to access or use the account during the relevant period. This is a clear case of identity theft. 

Despite this, Chase concluded its investigation and held me liable for the charges without proper consideration of the documentation I provided. I believe this violates fundamental principles of consumer protection and good faith investigation. 

While the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., and Regulation E ( 12 CFR Part 1005 ) technically apply to personal accounts, their standards for fair and timely resolution of fraud claims have been used as guidance in evaluating similar disputes involving small business accountsespecially where unauthorized electronic fund transfers are concerned.

Additionally, under the Gramm-Leach-Bliley Act, financial institutions are required to implement reasonable safeguards to protect sensitive customer information. In this case, I believe JPMorgan Chase failed to exercise reasonable diligence by overlooking clear evidence of identity theft and medical incapacity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: IL

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
Company reporting information on my credit without ever contacting me or verifying/validating information i have no knowledge of this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Credit company charged me interest on merchandise I received damaged or didnt receive I made payments to cover the interest and other purchases and overpaid Company finally after filing a dispute with this company FINALLY credited my interest charges back, but NEVER, issued a refund for my overpayments

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-01 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:
" 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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report 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 explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MI

Complaint narrative:
I purchased XXXX gift cards ( XXXX VIRTUAL AND XXXX PHYSICAL ). Virtual - {$240.00}, {$500.00} XXXX- {$500.00} After attempting my first purchase on all three, XXXX blocked the card completely and made it unavailable for use and would not activate it under any circumstances. I had asked for replacement virtual card to be sent but they said it was not possible. I also asked if they refund me back to my original payment method and they said that also was not possible. They stated a REFUND CHECK was the only way to receive my funds back. I was told I had to XXXX  days for review ( I dont know why it was take that long ) XXXX XXXX XXXXays shipping. It has now been almost XXXX MONTHS and I have yet to receive anything. I have been calling them XXXX and they tell me XXXX days and the check is being processed. I have been told XXXX days for the past XXXX  months. THIS IS A SCAM!! This is very surprising for a company like XXXX to conduct business like this. For my physical card it was the same situation but a replacement card was going to be mailed out which I have YET FO RECEIVE. THEY WILL BLOCK YOUR CARD AND KEEP YOUR FUNDS AND WILL NOT REIMBURSE YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My personal information is viewed in a date of breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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:
I have attached documentation from the appropriate authorities to support my claims. I would be grateful if you could promptly remove the fraudulent entries from my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities because I already file a complaint again for these items.

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 2025-04-01 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: GA

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
I am filing a complaint regarding identity theft that has resulted in unauthorized accounts and credit inquiries appearing on my credit report. These actions violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 609, 604, 611, and 605A.

Section 609 of the FCRA requires that credit reporting agencies ensure the accuracy of the information in my credit report and make it available to me upon request. The fraudulent accounts that have been opened in my name are inaccurate, and the credit bureaus have not removed them after my disputes. 

Section 604 of the FCRA states that credit reports may only be accessed with my consent or for certain permissible purposes. Unauthorized credit inquiries have been made by companies I do not recognize or have not authorized.

Section 611 of the FCRA mandates that credit reporting agencies investigate disputes in a timely manner ( within 30 days ) and correct any inaccuracies. Despite my attempts to dispute these fraudulent accounts and inquiries, they remain unresolved. 

Section 605A of the FCRA allows consumers to place fraud alerts or credit freezes to prevent further unauthorized access to their credit reports. I have taken these actions, but the fraudulent information continues to persist.

Despite my efforts to resolve this issue, these fraudulent items remain on my credit report and continue to harm my credit score and financial stability. I am seeking assistance from the CFPB to enforce my rights under the FCRA and ensure the credit reporting agencies comply with their legal obligations to correct theseinaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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:
I recently check my credit report I notice a fraudulent account reporting on my credit report, this is the account XXXXXXXX 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