vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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:
I recently filed a CFPB complaint ( case XXXX XXXXXXXX ) regarding an {$800.00} payment that affected my TD Bank account. While that case was closed, new fraudulent charges totaling {$850.00} appeared on my account shortly after, and I am now dealing with an even more serious security breach. 

These new charges were processed through XXXX XXXX  in XXXX  while I am located in XXXX XXXX, and I do not have my TD Bank debit card linked to XXXX XXXX  or XXXX XXXX 

I reported this to TD Bank, who locked my card and opened a fraud dispute. However, I have not received any written confirmation, no provisional credit, and the lack of timely action has caused my bills to go to collections. 

This is the second security issue Ive experienced in under XXXX months, and I no longer feel secure banking with TD. I am requesting a full refund of the unauthorized charges, reversal of all related fees, and formal documentation of the dispute investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to formally request a copy of my Tenant Screening Report maintained by your agency. As a consumer, I understand that I am entitled to access this information under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and completeness of the data being reported about me. Please consider this letter as my official request to obtain the most recent tenant screening report associated with my name and personal information. If additional verification is required, I am willing to provide any necessary identification documents upon request.

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 2025-05-01 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:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian Dispute XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Credit Information Potentially Related to XXXX XXXX  Data Breach Dear XXXX Dispute Department, I am writing to formally dispute certain information on my credit report that I believe may be the result of unauthorized activity stemming from the XXXX XXXX  data breach. 

As you are aware, XXXX  announced that the personal information of over 140 million Americans was compromised in a data breach disclosed in XX/XX/XXXX. I was notified that my information may have been among that which was exposed, including my name, Social Security number, birthdate, and other personal identifiers. 

Since then, I have identified suspicious activity and/or inaccurate information on my credit report, including the following account ( s ) : - Source XXXX XXXX Opened XX/XX/XXXX {$300.00} - XXXX - XXXX XX/XX/XXXX - XXXX XXXX  XXXX - Opened XX/XX/XXXX - XXXX XXXX - Opened XX/XX/XXXX - XXXX XXXX  XXXX XXXX XX/XX/XXXX I did not authorize the activity associated with these accounts and believe they may be the result of identity theft or fraudulent use of my information. I request that these items be thoroughly investigated, and if found to be inaccurate or fraudulent, removed or corrected immediately in accordance with the Fair Credit Reporting Act ( FCRA ). 

I have enclosed copies of relevant documents to support my claim, including : A copy of my government-issued ID FTC report Please investigate these matters and respond in writing with the results of your findings. Please removed these items within 4 days. I also request that you provide me with a free updated copy of my credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. 

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 explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
I was denied a business bank account at two different Regions Bank branches ( XXXX, SC and XXXX, SC ) on XX/XX/year>, for reasons that were not legal or based on facts. 

I went to the XXXX branch first. I provided all required documents : XXXX XXXX, Articles of Organization, my ID, and a light bill as proof of address. I was told my XXXX XXXX had to be present but that is false under South Carolina law. 

I was then told to go to the XXXX XXXX, even though I called ahead to confirm. There, I was denied again this time for having too many different addresses and because they felt there were red flags since I went to the XXXX branch first. 

I believe the managers and staff involved were not properly trained on business documentation and possibly made assumptions about me that were unfair and discriminatory. One employee at XXXX even claimed she sent it to a supervisor, but she was the manager that appears to be a lie. 

This caused me to lose time, money, and the ability to open my legal business account. I am asking the CFPB to investigate and hold Regions Bank accountable.

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 2025-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting this complaint as a victim of identity theft. My personal information was stolen and misused without my knowledge or consent, which has led to the appearance of a fraudulent auto loan account on my credit report. I am not associated with this account in any way. 

Here are the details of the fraudulent account : Creditor Name : CAP ONE AUTO Account Number : XXXX * * * * Date Opened : XX/XX/year> Reported Balance : {$15000.00} I want to make it clear that I : Did not authorize or open this account Did not sign any documents related to it Have never logged into any system related to this account Have never made payments toward it This account does not belong to me and is a result of my identity being stolen. 

To support my claim, I have already taken the following steps : Filed an FTC Identity Theft Report ( Report Number : XXXX ) Completed an identity theft affidavit Disputed the account with the credit bureaus and directly with the lender

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX  XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
My loans were forgiven with Public Service Loan Forgiveness as of XX/XX/year>. In a recent credit check to appy for a mortgage loan, my student loans STILL showed up. They have had OVER A YEAR to take care of this and they have not. I demand XXXX XXXX out my balance on my credit report.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
My loans were forgiven with Public Service Loan Forgiveness as of XX/XX/year>. In a recent credit check to appy for a mortgage loan, my student loans STILL showed up. They have had OVER A YEAR to take care of this and they have not. I demand XXXX XXXX out my balance on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CORELOGIC INC
State: OR

Complaint narrative:
My loans were forgiven with Public Service Loan Forgiveness as of XX/XX/year>. In a recent credit check to appy for a mortgage loan, my student loans STILL showed up. They have had OVER A YEAR to take care of this and they have not. I demand XXXX XXXX out my balance on my credit report.

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 2025-05-01 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: TX

Complaint narrative:
I am writing to formally dispute the inaccurate and inconsistent late payment information being reported by XXXX XXXX XXXX XXXX on my credit report. I am not disputing the account itself and would like it to remain open, but I am disputing the false late payment records being reported. 

The payment history dates have changed multiple timesat least four occasionswhich is illegal under the Fair Credit Reporting Act ( FCRA ). Specifically, this violates : FCRA 607 ( b ), which requires that credit reporting agencies maintain maximum possible accuracy in the data they report.
FCRA 623 ( a ) ( 1 ) ( A ), which states that furnishers of credit information must not report inaccurate or misleading information.

FCRA 611 ( a ), which requires that disputed information must be investigated and deleted if it can not be verified.These false and shifting dates have negatively impacted my ability to qualify for other financial accounts. Since XXXX is not reporting this account at all, and no other verified source confirms the negative data, it is unverifiable and must be removed immediately.If the unverifiable late payments are not removed within 30 days, as required by law, I will pursue all remedies available under : FCRA 616 ( willful noncompliance ) FCRA 617 ( negligent noncompliance ) This includes seeking statutory, actual, and punitive damages, and I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Texas Attorney XXXX XXXX am requesting the immediate deletion of the late payment records reported by XXXX XXXX XXXX XXXX while keeping the account active and open on my report.Please provide a written confirmation of the results of your reinvestigation within 30 days of receipt of this letter.

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 2025-05-01 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: CITIBANK, N.A.
State: TX

Complaint narrative:
In reviewing my credit report in XXXX, I discovered fraudulent activity tied to a Macys credit card account that I was unaware of. The report shows missed payments dating back to XXXX on a card I never actively used. I was never notified of any charges or statements, and the account eventually closed with a balance reported as maxed out on a {$300.00} limit. 

I have maintained a strong credit history ( my score is around XXXX ) and consistently pay my accounts on time. These missed payments were a complete surprise. Between XXXX and XXXX, I was living abroad and can provide supporting documents such as airline tickets, overseas rentals, and bank statements to show I was not in the country during the time these purchases occurred. 

Because I never used or monitored the Macys card, I didnt regularly check the account, and therefore had no way of knowing these charges were occurring. I strongly believe these were unauthorized, fraudulent purchases. 

Ive been in contact with XXXX Citibank XXXX XXXX, but they havent been able to provide me with basic information like what was purchased, where, or when the charges occurred. This lack of transparency has made it very difficult to resolve the issue. Im asking for your help in correcting my credit report and in getting this resolved quickly with Macys/DSNB through Citibank, as the delay is unfairly affecting my credit standing.

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 2025-05-01 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: AZ

Complaint narrative:
Equifax is showing a hard inquiry from XXXX XXXX XXXX dated XX/XX/year> that I did not authorize. I have never interacted with this company nor given permission for them to access my credit report. Under 15 USC 1681b, this inquiry is not legally permissible and may have stemmed from fraudulent or negligent access, likely connected to a prior data breach. The presence of this inquiry on my credit file without consent is a clear violation of federal law and negatively affects my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: EQUIFAX, INC.
State: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: PA

Complaint narrative:
This morning, I found some incorrect accounts listed on my credit report, and I have no idea how they got there. I regularly monitor my report, but this time, unexpected errors appeared. I even refreshed my browser thinking it might be a technical issue, but nothing changed. The incorrect accounts were still visible. Because of this, Im requesting a careful review of the documents Ive submitted to ensure this problem is resolved permanently.

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 2025-05-01 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: MD

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: NV

Complaint narrative:
This debt it's from my ex wife account I never used the card to make any transactions.

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 2025-05-01 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: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-01 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was approved for a credit card through best buy back in XXXX but had never received the credit card in the mail. This causes a bigger issue when I am trying to pay my bill online for they dont let you create an account without the card numbers. I was able to pay for it though without logging in, it was just more difficult to keep track of which led me to making one payment late. This tanked my credit score and most likely hurt my apr with them as well. I also called in XXXX to try and get the card again. They told me that it was sent back to them so I verified my address and was told that I should be getting in in the mail by the end of the month. It still hasnt come.

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 2025-05-01 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: AZ

Complaint narrative:
All three credit bureausTransUnion, Experian, and XXXX inaccurately reporting a late payment on a closed XXXXXXXX XXXX  account ( XXXX ), which shows a balance of {$4200.00}. Despite the account being closed, the reporting still reflects derogatory payment history and a balance, which is not only misleading but also in violation of 15 USC 1681e ( b ) and 15 USC 1666b, which governs how billing statements and account statuses must be maintained and reflected once resolved. No legitimate creditor should report an account as both closed and past due unless there is compelling and validated evidence of nonpaymentnone of which has been provided to me. This incorrect reporting may stem from outdated or misreported data tied to a data breach or systemic credit file error.

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