vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My checking account with TD Bank was frozen in XXXX. From that time until XXXX, while the account remained completely inaccessible to me, TD Bank continued to deduct {$25.00} per month in maintenance/service fees. In total, about {$1500.00} was taken from the account during this frozen period. 

I only discovered the extent of these charges much later. I had no way to access the account, and I was never properly notified. Because I was living XXXX, I no longer used my XXXX phone number and could not receive mail at the XXXX address on file. I genuinely believed the account was frozen and inactive, not that monthly fees were still being deducted. 

During this period, my ability to deal with the matter was further limited by the XXXX pandemic, the death of a close family member, and related estate legal proceedings XXXX. These extraordinary personal circumstances made it impossible to resolve the account issue sooner. 

Over the years I made many attempts to resolve this with TD Bank : I called XXXX customer service, visited XXXX TD Bank branches, and sent emails. Each time, I was told to come to a local Us TD bank. In XX/XX/XXXX, I finally came back to the XXXX to resolve this issue. However, when I spoke with TD Bank, they told me they could only view two months of fee history in their system, and therefore they could only refund a very small portion ( around {$250.00} ). I requested a full statement of all fees charged since XXXX, but they refused to provide it, even though I know the bank must keep years of account records. 

I have always approached the bank politely and in good faith, but despite my repeated efforts, I was never given a fair resolution or a full record of the charges. This is why I am now requesting assistance from the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I have reach out to Wells Fargo every week in XX/XX/XXXX 2 to 3 times about my tittle every agent I talked to has gave me different stories regarding my title, or agents hang up on me. I have left complains and when I call I get no update on my tittle. I am trying to sell my vehicle and am loosing out on {$17000.00} for the buyer because I dont know have the tittle and it has been over a month. I get representatives from Wells Fargo saying they cant help me, that there is a process to getting my tittle. Vehicle was paid off XX/XX/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
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX - XXXX - Account not mine XXXX  - XXXX - Account not mine XXXX  - XXXX - Account not mine XXXX XXXX  XXXX XXXX - Account not mine XXXX  - XXXX - Account not mine XXXX - XXXX - Account not mine

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 2025-09-04 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: TX

Complaint narrative:
I formally state that I neither authorized nor opened these accounts. They are fraudulent, and I request their deletion and a comprehensive investigation. Documentation supporting my position is attached.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: LEXISNEXIS
State: NY

Complaint narrative:
I am a XXXX undomiciled public assistance client in New York. A Supervising caseworker at XXXX is making unauthorized mortgage deductions of {$510.00} monthly from my benefits under the false pretense of a mortgage expense, despite the fact that I have never own a property, no mortgage has ever been signed or serviced by me. The deduction appears to be falsely attributed through XXXX XXXX, most likely linked to XXXX property transfer mechanisms. I request an investigation into improper benefit reduction and restitution of lost funds, if you may. 

In addition, XXXX XXXX knowingly enters Phantom Shelter Payments of {$2200.00} since XXXX knowing that i was expelled from the system by contracted staff in XXXX. This misclassification has resulted in significant financial harm and denial of basic needs. Moreover, she made false entries of HEAP payments as insult to injury of {$7.00} knowing that I became homeless on XX/XX/year>. 

The deduction appears to be falsely attributed through XXXX XXXX, possibly linked to XXXX property transfer mechanisms. I am requesting restitution of lost benefits and investigation into fraudulent deduction practices and systemic fraud. None of these funds are going into my bank account, public benefit card or for shelter, hotel accommodations or apartments to end this homeless spell. Thank you for daring to investigate.

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

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I am exercising my right to dispute the accuracy and completeness of the reinvestigation results provided. The information remains inaccurate and misleading despite your update. I request a further reinvestigation and ask that the disputed account be removed or corrected accordingly. Please also provide the method of verification used, the name and contact information of the furnisher, and a detailed explanation of your reinvestigation process as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am filing a complaint regarding unauthorized hard inquiries that have appeared on my credit report from XXXX XXXX XXXX and XXXX XXXX. 

I did not apply for credit, authorize, or give permission to either of these companies to access my credit file. Under the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ), a company must have a permissible purpose such as a valid credit application or written authorization from the consumer before obtaining a consumer report. Since I never applied for any loan, line of credit, or other service with XXXX XXXX XXXX or XXXX XXXX, these inquiries are not authorized and therefore violate the FCRA. 

These inquiries are negatively impacting my creditworthiness and causing me harm. I am requesting that these unauthorized inquiries be investigated and deleted from my credit reports immediately. 

I am also requesting confirmation that these companies provide proof of permissible purpose to access my credit file. If they can not provide such proof, the inquiries must be removed. 

Thank you for your assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

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

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

Complaint narrative:
The following accounts are fraudulent and I want this removed from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX. The following inquiries are not authorized. Please remove it from my credit report immediately 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 XX/XX/XXXX

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

Complaint narrative:
The following accounts are fraudulent and I want this removed from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX. The following inquiries are not authorized. Please remove it from my credit report immediately 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 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 2025-09-04 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: NC

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9900.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
TRANSWORLD SYSTEMS INC is falsely reporting on my credit. I have never had any accounts with them. Per my research TRANSWORLD SYSTEMS INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: OH

Complaint narrative:
Got a XXXX  room at XXXX XXXX XXXX in XXXX Florida went in room and it was disgusting demanded refund and XXXX weeks later I still don't have my money cash up says the hotels fault and the hotel says it's catch app fault

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

Complaint narrative:
PLEASE BE ADVISED SOMEONE HAS OPENED AN ACCOUNT IN MY NAME AND HAS ALSO PLACED A NUMBER OF INQURIES IN MY NAME PLEASE SEE BELOW AND PLEASE ATTACHED FTC REPORT XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX NONE OF THESE ACCOUNTS BELONG TO ME MY NAME IS ALSO VERY COMMIN, IVE NEVER DONE BUSINESS FOR SIGNED A WRITTEN CONTRACT WITH ANY OF THESE COMPANIES

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 2025-09-04 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: MD

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXXXXXX 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 XXXXXX/XX/XXXX, Balance : {$850.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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

Complaint narrative:
Urgent : Unresolved Credit Report Disputes Dear representative I am writing to formally address the unresolved disputes I submitted concerning inaccuracies on my credit report. I submitted dispute requests XXXX Experian, and XXXX  on, XX/XX/year>, regarding the following items : 1. Charge off 2. Collection items, unaware of hard inquiries that were done multiple times without my consent.

3. Late payments on accounts, accounts resubmitted to my credit file after being bought from a different agency, all accounts that shouldve been removed accounts that are also reported as fraud waiting to be removed. 

Despite providing documentation supporting my claims, I have not received any updates or corrections and the inaccurate information remains on my credit reports. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputes, correct inaccuracies, and notify consumers of the results within 30 days of receiving a dispute. 

This continued inaction is unacceptable. I am requesting : 1. Immediate investigation and correction of the disputed items.

2. Written confirmation of the actions taken, including an updated copy of my credit report reflecting any corrections.

3. A full explanation if any disputed item is not removed, including the supporting documentation used to verify the accuracy.

Please treat this matter as urgent. If the disputes are not properly resolved within a reasonable time frame, I will be forced to escalate this issue, to consider seeking legal remedies under the FCRA. 

I am enclosing copies of all relevant documentation previously submitted. Please confirm receipt of this letter and provide a timeline for resolution. 

Thank you for your immediate attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: CA

Complaint narrative:
Our organization has been repeatedly contacted by Jefferson Capital LLC ( www.jcap.com ), a debt collection agency, despite our attempts to clarify that they are calling incorrect phine number and the fact this is business phone number. We have requested cessation of these calls on multiple occasions, and have documented these requests via recorded lines. However, the calls persist, occurring at a frequency of XXXX to XXXX times daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA

Complaint narrative:
Dear PENNYMAC LOAN SERVICES : When I reviewed my credit report recently, I was surprised to see late payments XX/XX/year> reported on my account ( Account number XXXX ). I believe these reports are inaccurate, and unfair. At the time, I never received proper billing statements, and I was also dealing with personal and financial challenges that may have caused confusion with my account. My only thought also is that my monthly statement did not get to me. In some cases, my bank account access was restricted due to suspected activity, which may have prevented payments from being applied correctly. I never intentionally missed payments, and I dispute the accuracy of these negative entries.

Company response to consumer: Closed with explanation