vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am writing to formally file a complaint against TD Bank, N.A., regarding their failure to properly investigate and refund multiple fraudulent transactions on my personal account, despite providing extensive documentation and verification of identity theft. 

In XX/XX/year>, I reported several unauthorized transactions that occurred while I was undergoing serious medical treatment and was medically incapacitated. These transactions were not authorized by me, and I immediately notified TD Banks fraud department. I also filed a police report, submitted documentation from my physician confirming my medical incapacity, and provided a letter from my attorney confirming that I was a verified victim of identity theft. 

Despite this, TD Bank has repeatedly denied my claims and failed to credit my account for the stolen funds. Their actions contradict federal consumer protection standards and the obligations of financial institutions under the FDIC and Regulation E ( Electronic Fund Transfers Act ), which clearly state that banks must promptly investigate and resolve unauthorized electronic transactions once reported in good faith.

This failure has caused me significant XXXX XXXX financial hardship, and additional health strain. I am requesting the Division of Consumer Affairs to review this case, investigate TD Banks handling of my fraud claims, and ensure that my funds are reimbursed as required by law. 

Attached for your review are : Copy of the police report filed with the XXXX XXXX XXXX XXXX  Medical documentation confirming incapacity during the time of the transactions IRS identity theft acknowledgment letter Attorney correspondence verifying the ongoing legal review Relevant communications with TD Bank ( case # XXXX ) I respectfully ask that your office contact TD Bank to ensure compliance with FDIC consumer protection laws and that I be made whole for the financial losses resulting from their negligence.

Thank you for your attention to this matter. I appreciate your assistance and will cooperate fully with any investigation or additional documentation you may require.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: NCB Management Services Inc.
State: MD

Complaint narrative:
NCB Management Service at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX, reported opening an account XXXX XXXX for {$3000.00} without my knowledge or permission or signature. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX, reported open two unsecured loans on XXXX XXXX and XXXX XXXX for {$24000.00}. Also {$5200.00} I had no knowledge of and never agreed to any transactions. Someone stole my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint against Experian and XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding inaccurate and improperly verified credit reporting.

I disputed a collection account that was added to my Experian credit report by XXXX XXXX XXXX, serviced by XXXX XXXX XXXX, with an alleged balance of {$1400.00} and original creditor XXXX XXXXXXXX XXXX XXXX. 

I never received a legally required debt validation notice within five ( 5 ) days of the initial communication, as required under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ). The only letter I received from XXXX XXXX XXXX was a Notice of Assignment, which specifically stated that it was not an attempt to collect a debt.

Despite this, Experian completed its reinvestigation and verified the account without providing any documentation proving the validity or ownership of the debt. I am concerned that Experian failed to comply with the Fair Credit Reporting Act ( FCRA ) 611, which requires reasonable procedures to ensure maximum possible accuracy and mandates disclosure of the method of verification.

I am requesting that the CFPB investigate this matter, ensure compliance with federal law, and require Experian and XXXX XXXX XXXX to provide : Full documentation used to verify the debt, Proof of legal ownership and assignment of the account, Removal of the account from my credit file if verification can not be substantiated. 

Supporting documentation ( including the Notice of Assignment and Experian dispute results ) can be provided 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 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I wrote letters to correct errors on my credit report, but no changes have been made yet. Please review the documents and letter I sent regarding the issues.

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 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and USAA Federal Savings Bank Dear XXXX XXXX XXXX Representative, I am submitting this formal complaint against both XXXX  XXXX, XXXX and USAA Federal Savings Bank regarding a defective automotive Engine Control Module ( ECM ) and the improper denial of my billing dispute under the Fair Credit Billing Act ( XXXX ). I respectfully request a full investigation into both companies conduct and a prompt resolution to this matter. 
Attached is a detailed statement outlining the timeline of events, violations, and supporting documentation. Please review this complaint and ensure that both companies are held accountable for their actions. I request that this be treated as a formal consumer complaint under applicable federal consumer protection laws. 

* * Companies Involved : * * XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX. USAA Federal Savings Bank XXXX XXXX XXXX, XXXX XXXX, TX XXXX Summary of Complaint I am submitting this complaint regarding a defective automotive part purchased from XXXX XXXX XXXX XXXX, and USAA Federal Savings Banks improper handling and denial of my dispute concerning that transaction. 
On XX/XX/XXXX, I purchased an Engine Control Module ( ECM ) from XXXX  XXXX for my XXXX XXXX XXXX ( Order # XXXX ). The first ECM failed shortly after installation, despite following all required procedures. XXXX XXXX later shipped a replacement on XX/XX/XXXX, which also failed within months. 
XXXX XXXX refused to honor their warranty or provide a refund, despite numerous attempts to contact them. They also provided false information to the Better Business Bureau ( BBB ) and other agencies. When I filed a dispute with USAA ( the card issuer ), USAA improperly denied my claim without conducting a reasonable investigation, in violation of the Fair Credit Billing Act and Regulation Z. 
Violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Sold a defective ECM that failed twice under normal use. 
- Failed to honor its warranty or provide a refund. 
- Misrepresented warranty coverage and customer service practices. 
- Provided false statements to the BBB and other regulators. 
* * USAA Federal Savings Bank * * - Denied a legitimate billing dispute without proper investigation. 
- Failed to provide documentation or reasoning for the denial. 
- Violated FCBA and Regulation Z billing error procedures. 
- Continued to hold me liable for a defective product purchase.

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 2025-11-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Madison Auto, LLC
State: CA

Complaint narrative:
Subject : Inaccurate credit reporting and missing contract documentation XXXX XXXX XXXX XXXX ARRA Finance I am filing a formal complaint regarding an auto-loan account originally financed by XXXX XXXX  XXXX for a vehicle purchased in XXXX. The vehicle was repossessed, and the account was effectively closed by XXXX. 

I have never had any contract, loan, or agreement with ARRA Finance, yet I recently received notice that ARRA Finance is reporting a charged-off account on my XXXX  credit file, showing derogatory activity through XXXX. 

Public reports confirm that ARRA Finance acquired XXXX XXXX XXXX XXXX in XXXX, which appears to include my account. However, I was never notified of this transfer, never received any proof of assignment, and have not received documentation of the vehicles resale as required under the Uniform Commercial Code and state law.

This continued negative reporting is inaccurate, misrepresents the account status, and violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: CA

Complaint narrative:
Dear CFPB Representative, I am submitting this complaint regarding the credit reporting agencies ( Experian, XXXX XXXX XXXX ) and the furnisher, XXXX XXXX XXXX, regarding an alleged debt reported for {$17000.00}. I am unaware of this debt and was not provided any certified notice or opportunity to dispute it. Each credit bureau continues to report the account inconsistently, with differing statuses and update dates, violating the accuracy and completeness standards required by the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Despite my formal written requests for validation, none of the bureaus or the furnisher have provided verifiable documentation or evidence demonstrating that this account belongs to me. 
I have demanded certified proof with my signature and full correspondence records, but no proper validation process has been disclosed. 
I respectfully request the CFPB to open an investigation into the compliance practices of these entities and require the immediate removal of this account from all credit reports if validation can not be substantiated. Attached will also be the previous letter sent. 
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 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is in violation of FCRA 604 ( a ) ( 3 ) and 607 ( a ) by continuing to report and publish multiple unauthorized inquiries that have no permissible purpose or consumer consent. 
I have never applied for or authorized any of the following inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under FCRA 609 ( a ) ( 1 ), I have the right to request the name and purpose of every entity that obtained my credit file.

Experian has failed to provide any verification or documentation showing these inquiries were authorized. 
Reporting or retaining inquiries without verification is a factual inaccuracy under FCRA 623 ( a ) ( 1 ) and violates Metro 2 Compliance Manual 4.2.2, which requires consumer reporting agencies to maintain verifiable, accurate, and non-duplicative data. 
Additionally, I have repeatedly requested Experian to update my personal information, including my current and accurate name, address, and date of birth. 
Instead of complying, Experian falsely labeled my request as being made through a credit repair company and refused to process it even though the request was made directly by me, the consumer.

This is a direct violation of FCRA 611 ( a ) ( 1 ) ( A ), which requires Experian to conduct a reasonable reinvestigation of disputed personal information.

Experians failure to verify, update, and correct this information after being notified constitutes willful noncompliance under FCRA 616 and 617.

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 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-09 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
Gift card was purchased for {$20.00}. Can not be used at any online or in person merchants due to the inability to add a zip code or address to the card. Any reputable retailer is going to at least require a ZIP. I called customer service and they could give me XXXX  companies or stores that this card works with. I have multiple declined transactions for XXXX for {$0.00} where the card is declined no matter what I do. American Express gift cards are a complete scam, purposefully unusable funds for the company to hold on to, hoping you don't complain like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I tried to access my Bank of America online banking and my access had been deleted. I called customer service and they told me that because I hadn't updated certain information on my account, all my accounts had been closed : credit card, debit card, and checking account.Then I contacted the account closure department, and they told me that the bank had made the decision to close my accounts. When I asked them for information, they told me that it was internal bank information and they would not give me any explanations. Additionally, I want to pay off my credit card debt, and they are not giving me any options to do so.

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 2025-11-09 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Best Buy Card Number : XXXX I have been trying on numerous times to get a resolution to my problem. The Citbank Best Buy has the incorrect rewards number for best buy and all my earned certificated were sent to the wrong account number. Citibank has the incorrect account for rewards which is XXXX and it should be XXXX. When I call the XXXX number the agents are unable to assist.

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 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX is furnishing this account as a Collection/Charge-Off yet still marks Account Not Disputed, even though formal disputes have been on record for months. 
This violates FCRA 623 ( a ) ( 3 ) and 611 ( a ) ( 1 ) ( A ), as well as Metro 2 4.3.1, which mandates furnishers apply dispute coding and halt reporting of unverifiable data. 
Further, balances, past-due amounts, and dates of activity differ between bureausclear factual inaccuracies violating FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ).

Under Metro 2 4.2.3, a charge-off with {$0.00} limit and closed status should not continue to report as open or in loss status after charge-off is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THAT YOU CEASE AND DESIST ALL COLLECTION AND REPORTING ACTIVITIES REGARDING THE ACCOUNT REFERENCED BELOW, AS THE INFORMATION YOU ARE PROVIDING OR HAVE PROVIDED TO CREDIT REPORTING AGENCIES IS INACCURATE, UNVERIFIABLE, AND IN DISPUTE.

UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ), 15 U.S.C. 1681 ET SWQ., AND THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), 15 U.S.C . 1692 ET SEQ., I HAVE THE RIGHT TO DISPUTE ANY INACCURATE OR UNVERIFIED INFORMATION AND TO REQUEST THAT SUCH INFORMATION NOT BE REPORTED UNTIL ITS ACCURACY IS CONFIRMED. YOU HAVE FAILED TO PROVIDE SUFFICIENT VERIFICATION OF THIS ACCOUNT ; THEREFORE, CONTINUED REPORTING OR COLLECTION ACTIVITIY CONSTITUTES A VIOLATION OF FEDERAL LAW.

I AM DEMANDING YOU : 1. ) IMMEDIATELY CEASE ANY AND ALL COLLECTION EFFORTS REGARDING THIS ACCOUNT. 2. ) REFRAIN FROM REPORTING OR RE-REPORTING THIS ACCOUNT TO ANY CREDIT REPORTING AGENCY UNTIL THE DEBT HAS BEEN FULLY VALIDATED. 3. ) REMOVE OR DELETE ANY INACCURATE, INCOMPLETE, OR UNVERFIABLE INFORMATION CURRENTLY BEING REPORTED.

FAILURE TO COMPLY WITH THIS REQUEST MAY RESULT IN FURTHER ACTION, INCLUDING FORMAL COMPLAINTS TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ), THE FEDERAL TRADE COMMISSION ( FTC ), AND MY STATE ATTORNEY GENERAL 'S OFFICE. ADDITIONALLY, I RESERVE THE RIGHT TO PURSUE CIVIL REMEDIES FOR ANY VIOLATIONS OF MY RIGHTS UNDER THE FCRA AND FDCPA.

PLEASE PROVIDE A WRITTEN CONFIRMATION THAT YOU HAVE COMPLIED WITH THIS CEASE-AND-DESIST REQUEST WITHIN 15 DAYS OF RECEIVING.

Company response to consumer: Closed with explanation