vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
In XX/XX/XXXX, I attempted to open a checking account with TD Bank, only to be told that I was ineligible due to an existing account under my name. I had never opened any such account and had no knowledge of it prior to this moment. I did not authorize it, I never used it, and I had no idea it existed. 

I have been a documented victim of identity theft since XX/XX/XXXX, which I have actively reported and worked to recover from. I believe this fraudulent TD Bank account was opened using my stolen personal information without my permission, awareness, or involvement. Despite this, TD Bank is now refusing to let me open a legitimate account in my own name, citing the existence of the fraudulent one. 

This situation has been extremely distressing. I was never notified about the unauthorized account. I was never given a chance to dispute it. And now, I am being unfairly denied access to basic banking services through no fault of my own. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and correct inaccurate or fraudulent banking records associated with my identity. TD Bank has not provided me with any formal dispute or resolution process. Furthermore, under the Identity Theft Red Flags Rule, which is part of the Fair and Accurate Credit Transactions Act, TD Bank is legally required to detect, prevent, and mitigate identity theft. The fact that a fraudulent account was opened in my name should have triggered a red flag and a formal investigation. 

Additionally, the Consumer Financial Protection Act ( CFPA ) prohibits financial institutions from engaging in unfair or abusive practices. Refusing to work with me or offer a path forward even after learning I was a victim of identity theft may constitute such a violation. I am not being treated fairly, nor am I being given the opportunity to rectify the situation. 

At this time, I am requesting that : TD Bank investigate and remove the fraudulent account from all internal and XXXX-party systems that are blocking me. 
I be allowed to open a legitimate account in my own name. 
TD Bank provide a formal written explanation of how the fraud occurred, what systems failed to detect it, and what they will do to restore my ability to bank with them. 

I am acting in good faith, and I am simply asking to be treated fairly after already being a victim of a crime. I respectfully ask the Consumer Financial Protection Bureau to review this matter and ensure that TD Bank complies with its obligations under federal law to protect identity theft victims and restore access to basic financial services. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, I paid a {$3700.00} settlement to resolve a timeshare account ( XXXX ) that was serviced by XXXX XXXX XXXX. I was represented by XXXX XXXX, who confirmed the account would be removed from my credit report. 

On XX/XX/XXXX I submitted a dispute to Experian with proof of payment and the signed settlement agreement. Despite this, Experian allowed XXXX XXXX to verify the account and refused to remove or correct it. The account is still showing monthly late payments, which is inaccurate, misleading, and harmful to my credit. 

I have not been able to get any clear resolution from Experian, and the reporting remains unchanged. This is a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which requires deletion of inaccurate or unverified information. I am requesting that the XXXXXXXX XXXX  account be deleted or fully corrected to reflect the settlement. 

I can provide the settlement, proof of payment, certified mail, and recent screenshots from Experian. 

I have attached Proof of payment for my settlement Signed contract for my settlement Negative reporting of my credit report Outcome of my dispute with Experian And a letter that was mailed certified to my lawyer, who never responded ( I have proof of the letter being received due to getting a signature sent back to me I can provide that if needed )

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 2025-07-27 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: CT

Complaint narrative:
Im writing to dispute inaccurate and unauthorized information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( 2 ), my personal information was shared without my written permission. This led to accounts being added that I didnt open or use. This may also be identity theft under 15 U.S. Code 1681c-2. Please investigate and fix these errors to make sure my credit file is accurate.

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I disputed XXXX accounts on my Experian credit report : XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I provided written disputes on XX/XX/year>. Despite the fact that neither furnisher provided proper validation ( and XXXX never responded at all ), Experian has reported both accounts as verified and accurate. 

Under the Fair Credit Reporting Act ( FCRA ), Experian may not continue reporting information that can not be verified.

I am requesting a full reinvestigation and deletion of these unverifiable accounts.

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 2025-07-27 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 disputed XXXX accounts on my Experian credit report : XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I provided written disputes on XX/XX/year>. Despite the fact that neither furnisher provided proper validation ( and XXXX never responded at all ), Experian has reported both accounts as verified and accurate. 

Under the Fair Credit Reporting Act ( FCRA ), Experian may not continue reporting information that can not be verified.

I am requesting a full reinvestigation and deletion of these unverifiable accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
Hi sofi wont close out my account they said they had to wait for the disputed to get done ok they are now there still refusing. To close out my account and send me a refund check my XXXX funds are in there

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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:
Consumer Financial Protection Bureau ( CFPB ) Complaint Subject : Complaint Against Student Loan Servicer for Misconduct Loan Servicer Information : Servicer Name : XXXX Loan Account Number : [ Your Loan Account Number ] Type of Loan : Federal Loan Nature of Complaint : Select all that apply : Incorrect loan balance reported Misapplied or missing payments Wrongful denial of repayment plan ( e.g., Income-Driven Repayment ) X Failure to process loan forgiveness or discharge requests X Inaccurate reporting to credit bureaus X Unlawful collection practices Other : [ Describe ] Description of the Issue : I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : XXXX. My academic records and personally identifiable information ( PII ). 
XXXX. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. I am filing this complaint against XXXX due to errors in my student loan account. On XX/XX/year>, I noticed that my loan servicer was no longer servicing my loan. They never informed me of this in writing. Prior to that I filed for loan forgiveness. They denied me of employments. I contacted customer service, but they failed to correct the issue. Now, I am being told that my loan servicer gave my information to another provider without my consent.

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 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 
Accounts : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 
Sincerely, XXXX A XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX EMAIL : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute and request corrective action regarding serious and adverse credit report entries that I believe are directly connected to the recent data breach involving XXXX XXXX XXXX, disclosed in XX/XX/year>. 
As reported, the breach involved unauthorized access via a XXXX-party software platform, exposing personal data such as Social Security numbers , dates of birth, drivers license numbers, and other sensitive identifiers. I was among the impacted individuals and have received confirmation of my involvement from XXXX. 
Since the breach, I have experienced financial and reputational harm, including the sudden appearance ( or continued reporting ) of a XXXX  filing and other questionable derogatory accounts on my credit report, which I now suspect may be inaccurate or triggered by identity compromise. 
I am respectfully requesting the XXXX  support and intervention in the following actions : Investigating how XXXX handling of consumer data may have led to the inaccurate reporting of credit accounts and XXXX. 
Assisting in the removal or correction of erroneous information on my credit report, specifically the XXXX  and associated affected accounts. 
Ensuring XXXX and affiliated credit reporting agencies conduct a thorough reassessment of impacted individuals reports. 
Ive taken personal steps including placing a security freeze on my credit, enrolling in identity protection services, and contacting credit bureaus directly but the process has proven difficult without regulatory oversight. These issues continue to harm my financial standing, job prospects, and access to credit. 

Please find attached an FTC XXXX Report supporting my claim. 

I appreciate your time and effort in addressing this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
They have sued me and I have no proper knowledge of the account!

Agreement with the creditor that authorizes you to collect this alleged debt The agreement bearing my signature that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired. ( 15 USC 1692g Sec. 809 ( b Im also using XXXXXXXX XXXX XXXXXXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I am disputing an auto loan account being reported by XXXX XXXX. 

On or about XX/XX/year>, I sent a debt validation request to XXXX XXXX via mail. On XX/XX/year>, they responded in writing stating they are a firstparty creditor and therefore not obligated to validate the debt under the FDCPA. Despite refusing to validate, they continue to report a derogatory open auto loan account with a current balance of {$21000.00}, which exceeds the highest balance ever reported.

This continued reporting without providing proper documentation of the debt is a violation of the Fair Credit Reporting Act ( FCRA ). It is negatively impacting my credit profile and preventing me from obtaining fair housing and credit opportunities.

I am requesting that XXXX XXXX provide full documentation validating this account or immediately remove the reporting.

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 2025-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2025, my phone was physically stolen by someone who observed me entering my passcode. That same day, over {$13000.00} in fraudulent charges occurred across my debit, credit, XXXX, and ACH accountsincluding nearly {$1900.00} in unauthorized charges to my Bank of America credit card.

I immediately reported the theft to BofA and filed a police report with the XXXX XXXX Police Department ( XXXX Case # XXXX ). I also provided documentation showing my phone was replaced via XXXX. 

On XX/XX/2025, I received an email from Bank of America stating that {$37.00} would be reimbursed, but the remaining {$1900.00} would not be. Their only explanation was : We confirmed the charge ( s ) was made using one of your verified devices, like a cell phone or tablet.

This reasoning ignores the core fact : the verified device in question was stolen and used by someone other than me. Bank of Americas denial letter did not dispute that the device was stolennor did it acknowledge the supporting evidence I submitted.

Its also troubling that I was never sent a mailed denial letter, and I did not realize the claim had been closed until I checked the portal many weeks later. I got a voicemail from their Resolution Specialist and tried to follow up with multiple multiple calls but received no response.

Most importantly, Bank of America has already reimbursed me for XXXX and ACH fraud from the same stolen phone and same timeframe. Denying the credit card charges while crediting others shows inconsistent handling of fraud across products.

This suggests that Bank of America is applying different fraud standards depending on the payment methodnot the facts of the case. This inconsistency is not only unfair, it may violate internal fraud reimbursement policies and raises serious regulatory concerns.

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-07-27 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: CT

Complaint narrative:
Im sending this letter to dispute wrong and unauthorized information on my credit file. My info was shared without my permission, violating FCRA rules under 15 U.S. Code 1681b ( 2 ), and there are accounts listed that Ive never used. This might be identity theft under 15 U.S. Code 1681c-2. Im asking for these mistakes to be corrected quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
I requested a formal debt validation of the alleged account Pursuant to 15 U.S.C. 1692g & 15 U.S.C. 1681s-2. Eastern Account Systems , Inc picked the certified letter up on XX/XX/year>, at XXXX. As of today XX/XX/year>, they have failed to respond to my request. According to TransUnion, Eastern Account Systems , Inc. has verified this account as being accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
XXXX Car Theft XX/XX/XXXX my entire business car was stolen with all of my PII inside. 
I received a call from XXXX XXXX that my information is still being compromised now also my XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Business Address Was : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX where all my personal/ business information had been again compromised in XXXX, & now XXXX. 
Multiple account attempts has been made & opened accounts under my name or my business name the banks that I know of is XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  maybe many more accounts i am unaware of or business loans or properties. Ive also been apart of many data breaches due to my information being compromised so badly. I have proof of all data breaches. 
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

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Credit Control, LLC
State: CA

Complaint narrative:
XXXX Car Theft XX/XX/XXXX my entire business car was stolen with all of my PII inside. 
I received a call from XXXX XXXX that my information is still being compromised now also my business XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Business Address Was : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX where all my personal/ business information had been again compromised in XXXX, & now XXXX. 
Multiple account attempts has been made & opened accounts under my name or my business name the banks that I know of is XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  maybe many more accounts i am unaware of or business loans or properties. Ive also been apart of many data breaches due to my information being compromised so badly. I have proof of all data breaches. 
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

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Financial Assistance Inc
State: CA

Complaint narrative:
XXXX Car Theft XX/XX/XXXX my entire business car was stolen with all of my PII inside. 
I received a call from XXXX XXXX that my information is still being compromised now also my business XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Business Address Was : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX where all my personal/ business information had been again compromised in XXXX, & now XXXX. 
Multiple account attempts has been made & opened accounts under my name or my business name the banks that I know of is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX maybe many more accounts i am unaware of or business loans or properties. Ive also been apart of many data breaches due to my information being compromised so badly. I have proof of all data breaches. 
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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation