vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
When opening my checking and savings accounts : 1. There was supposedly mention of linking accounts ( checking to savings ) which was not clear, nor mentioned and easily accessible during account opening, nor post account opening therefore I was charged Account Maintenance fees because my two accounts weren't " linked '' although they are both under my name, social security number, and visible together on my mobile app.

2. Overdraft protections were not clear at account onboarding. It was not clear to me that there were several different overdraft protections available, as they provided Debit transaction overdraft protection which I though was simply overdraft protection. Turns out TD Bank makes the determination when they want to provide Overdraft Protection, which they didn't in my cases for credit card payments, leading to hundreds of dollars in interest needing to be paid even though I had enough funds in my other non-debited account.

3. I received an email about a " Grace period '' and that I might incur overdraft fees if not funded by XXXX of the current day - and dealing with some duplicate payments to a credit card company, I was unable to clean up the accounts in time- but the overdraft protection nor fees never happened with TD. When speaking with the TD rep and raising a complaint, she mentioned the company has a system that determines if they extend OD protections or not based on length of time with the company, etc. Sounds to me like an unfair and inconsistent process.

4. Given the overnight batch process for their ACH debiting approach, I am currently stuck in limbo between credit card companies auto-debiting, TD extending a grace period, the grace period seemingly not allowing the payment to be processed, then being charged interest from the credit card companies because I don't see where I'm short funds until another overdraft happens in one of my accounts.

5. The grace period is seeminly not a grace period! It seems TD offers a grace period, but the credit card companies see insufficient funds balance so they reject the payment even though TD has communicated a grace period. 

Overall, I have been charged over {$700.00} in interest over the past several months due to this issue. I will be logging a complaint about XXXX and XXXX as well for their credit card processing as the lack of information during this limbo period causes consumers to pay exhorbitant fees almost by design! Furthermore, XXXX does not allow me to use my TD savings account to pay my bill, so I have to split XXXX for XXXX ( higher interest rate ) and XXXX through checking- which causes much challenge. Why do they not allow connectivity to a savings account? Seems inconsistent, and a decision made my a corporation to challenge consumers!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is a formal dispute regarding fraudulent accounts listed on my credit report. I had no knowledge of or involvement in the creation of these accounts. Pursuant to 15 U.S.C. 1681g, I am asserting my right to have them removed within 15 days. Relevant documentation is provided herein.

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 2025-09-19 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: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is a formal dispute regarding fraudulent accounts listed on my credit report. I had no knowledge of or involvement in the creation of these accounts. Pursuant to 15 U.S.C. 1681g, I am asserting my right to have them removed within 15 days. Relevant documentation is provided herein.

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 2025-09-19 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$27000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$490.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX -- {$73.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$2100.00} INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: SC

Complaint narrative:
I sent a identity theft report and the accounts information and proof of identity to equifax transunion and experian and they keep stating its verified and not doing a thorough investigation and providing proof of my signature attaching me to these negative accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Bank of America changed the way clients paid their Bank of America credit card accounts and sent them XXXX emails saying that their XXXX payments would be cancelled by the bank and you had ti remake them. They did not send a letter. 

I had proof I sent it in on time and I did not see the Email. 
When my account was posted as overdue, I called the bank who replied because of my good credit history they would waive the interest. They did not tell me that I had made a payment that THEY cancelled, nor did they mention it was their fault the payment was not honored. 
When I discovered I had my confirmed printout and called again they told me the truth. 
Problem # 1 XXXX E-mails without a letter is inadequate. 
Problem # 2 thousands of clients who paid their XXXX statement on time and those payments were cancelled by the bank is BIG. They stand to gain substantial payments through late fees on clients who had paid on time. 
Problem # 3When you set up an online payment, it is counterintuitive to think the payor is going to cancel it.

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 2025-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, two unauthorized teller withdrawals were made from my Citibank checking account : {$200.00} at XXXX XXXX  {$530.00} at XXXXXXXX XXXX  These transactions were not authorized by me and caused a check to be blocked for insufficient funds. Around the same time, I discovered that Citibank had also opened a new account in my name without my knowledge or consent. 

I reported these issues immediately and have spent over three months trying to resolve them. Each time I visited the branch, I was told to make an appointment and come back, and the branch manager refused to meet with me. On phone calls, I was treated disrespectfully, hung up on, and denied a XXXX interpreter despite my request. One time, I was told an interpreter would call me back, but no one ever did. 

Citibank has never provided me with a provisional credit or investigation results, even though Regulation E ( 12 C.F.R. 1005.11 ) requires banks to investigate within 10 business days and provide provisional credit by that time. If more time is needed, the bank can extend the investigation to 45 or 90 days, but provisional credit is still required by day 10. It has now been well over 90 days with no resolution. 

I am requesting : Full reimbursement of {$730.00} and all related fees. 

Written results of Citibanks investigation.

Closure of the unauthorized account opened in my name.

Assurance that Citibank will provide language access and interpreter services when requested.

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 2025-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northwest Collectors Inc.
State: IL

Complaint narrative:
I was approved for 100 % financial assistance through XXXX XXXX XXXX. Apparently, their billing department is separate from financial aid. Billing kept telling me they couldnt internally access my financial aid letter and requested I send it to them. I tried submitting it to their website, through XXXX, and fax. Everytime I called they said theyd put a 30 day hold on my account and wait. Well I just got a letter from collections after going back and forth with the XXXX for months. I have all my documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
on XX/XX/year> i was paid from my company through direct deposit. when i checked with XXXX XXXX XXXX they said that they did receive the funds but because of an internal issue they would not be available. This lead to missed payment marks and late fees being charged dude to scheduled bill payments being set for this same date of pay. when i asked when they would be available i was told they are aware but unable to provide a time frame. they offered no solution for missed payment marks or late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
This is to request escalation and continuation with Equifax prior to a previous submission. New evidence has emerged showing Equifaxs contradiction in response to CFPB while still continuing to misrepresent my identity status in writing. 
XXXX Equifax claims still working on case XXXX- Equifax mails me letter claiming still no location of my credit file XXXX- Equifax sends credit file along with correct information they come deny I even have a file. 
XXXX- Equifax sends letter stating the addition to a fraud alert added and passed on to the two other bureaus. 
XXXX Eq

uifax sends confirmation of Data Breach Settlement Email and two voicemails as well acknowledging the Equifax data breach . It is my belief that this shows a type of behavioral that is intentional obstruction with obvious contradictions. This now need real investigation and they be held accountable for misleading and given false statements while mishandling my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Future Judgement Solutions
State: KY

Complaint narrative:
Future Judgement Solution contacted me by phone on XX/XX/XXXX and XX/XX/XXXX advising that I owed an amount of XXXX for a loan I got from XXXX Checking Cash in XXXX. Stated that a letter was sent to XXXX of my old addresses 3 years ago. Said that if I didnt take action they would take me to court. I proceeded to work with them they have already taken XXXX, when I asked to receive mailed documentation they stated they could not send but could only email me. They advise taking care of this matter would help my credit stay positive as they dont want to have to report it. So once I did more investigation on the company I see that many have been scammed by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: GA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: PA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My credit report includes collection accounts that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate and complete credit report. I request a thorough review of these accounts, and if they can not be verified, they should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: SC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

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 2025-09-19 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: SC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: PENNYMAC LOAN SERVICES, LLC.
State: DE

Complaint narrative:
This is the second complaint regarding this issue. When initially contacting PennyMac to change my due date because my income was received after the grace period mortgage due date. I was informed that was not an option. My account was current and never late nor have I had any late payments on my credit in over XXXX  years and my credit with all three bureaus was in very good standing, my score being in the low XXXX 's which is very important and necessary these days. I was offered a forbearance program, due to some financial hardships. I asked if this would affect my credit and was told that my status would be reported current. After the forbearance program ended I was offered a Loan Modification and was never informed that this would affect my credit and they never informed me that after the forbearnce if I didn't pay the back mortgage that would affect my credit as well. This information was pertinent and should have been disclosed so I would have made a better informed decision. Should I have known the effects on my credit I would I have never entered into any agreements. My house was not in jeopardy of foreclosure. Now PennyMac 's response is that this information was included in the documents that were sent to me after the fact, which is not helpful and not easy to understand. Also every agent that I spoke with was off shore and very hard to understand. This is a very deceitful practice and because of this my credit score is now in the XXXX 's. They removed it once then entered it again on the credit bureaus. I am very stressed about this because I have worked very hard to keep my credit in good standing. I can not sleep, it is hard for me to focus I am seeing my physician for the stress. This is also affecting a family member that is also on the loan with me. This has severly impacted my life and has caused my enormous stress. All PennyMac representatives do not provide the same information which is another issue. I am hoping that this issue is resolved ASAP. I no long want them as a mortgage lender as they can not be trusted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$7100.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$16000.00}

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