vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am submitting an urgent fraud complaint against TD Bank, N.A., the furnisher for the Nordstrom credit card account reporting on my credit file. TD Bank has wrongfully verified this account as mine despite overwhelming evidence that the application and all associated information is fraudulent.

TD Bank recently mailed me a packet claiming that the information verifies back to me. This is false and contradicted by TD Banks own documents.

The attached application TD Bank mailed to me contains : A Social Security number that is completely incorrect and does NOT match mine in any way An income of {$110000.00} listed, which is wildly inaccurate I made XXXX that year A phone number that is NOT mine An ID section that is completely blank no drivers license, no verification An address that I have NEVER lived at A signature that does not match mine No IP address, no device ID, no in-store identification documentation No proof whatsoever that I applied, signed, or used this account TD Bank is reporting false information that has severely damaged my credit for years.

TD Banks investigation is inadequate and violates multiple sections of the Fair Credit Reporting Act, including : FCRA 623 ( a ) ( 1 ) furnishing information they know or should know is inaccurate FCRA 623 ( b ) failure to conduct a reasonable investigation FCRA 611 ( a ) ( 5 ) ( B ) reinsertion of deleted fraudulent information FCRA 605B failure to block identity theft upon receiving an FTC ID Theft Report XXXX, XXXX, and XXXX  have all previously removed this account as fraud under FCRA 605B.

I am attaching : FTC Identity Theft Report # XXXX All fraud affidavits TD Banks own application proving mismatched SSN, phone number, income, signature, and address My government ID Proof of current address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: CA

Complaint narrative:
This is not my account. Please remove account immediately. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: CA

Complaint narrative:
This is not my account. Please remove account immediately. This is 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 non-monetary relief
Consumer complaint received 2025-12-03 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I was meeting with a guy to sell my XXXX necklace, agreed on {$100.00}. He sent me the money and it didnt show up on my end but I saw the bank notification from his end and since I was waiting in the Cold I said I believe him. Later check my app and still no money has been sent to me. I try and reach out he dosent respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Garrison Investment Group
State: NJ

Complaint narrative:
I currently have a home improvemnet loan with Foundation XXXX XXXX since XX/XX/year>. I feel that I am not being charged interest fairly. I was told my interest rate is 9.9 % which apparently accumlates daily interest. I was never told this information when I signed for the loan. Them along with XXXX XXXX XXXX use predatory tactics to manipulate customers into outrageous loans that can never be paid off. I pay {$580.00} a month and only maybe {$40.00} goes toward the balance. I was also told by the XXXX XXXX XXXX rep that the loan was for 10 years yet my loan is for 15 years. The interest and or fees do not add up and my loan seems to never decrease. Both these companies need to be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: LEXISNEXIS
State: UT

Complaint narrative:
On XX/XX/year>, I applied for the XXXX XXXX XXXX XXXX XXXX credit card which resulted in a decline. I confirmed this by viewing the online application status, which shows the final decision as Declined for Application ID ending in XXXX. 

I recently obtained my LexisNexis consumer disclosures and discovered that the denial was the result of inaccurate and mixed consumer data in my LexisNexis file. LexisNexis is reporting information that belongs to other people, including policies, vehicle activity, claims, cancellations, and other data from time periods in which I did not have a valid license. My file also contains an SSN fragment in an entry that is one digit off from mine, which indicates that my consumer file has been mixed with another individual. 

XXXX relies on LexisNexis data in its application decision process. The inaccurate and mixed information in my LexisNexis file made it appear as if I had negative history and risk factors that do not belong to me, which resulted in my application being denied. 

I previously disputed this inaccurate information with LexisNexis and requested my full consumer file and reinvestigation results. LexisNexis did not provide complete or FCRA-compliant reinvestigation results and has not demonstrated that the inaccurate or mixed information was corrected, which has led to continued adverse decisions and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
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 non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
This complaint is submitted for false residual balance reporting on a closed, charged-off account in violation of 15 U.S.C. 1681s-2.

Huntington National Bank continues to report a {$33.00} balance without lawful accounting or verification. This constitutes material inaccuracy and willful FCRA noncompliance. 
Case Law : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TX

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 2025-12-03 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
As of today the respondent failed to comply with the XXXX demand. XXXX Notice attached. 
These violations resulted in emotional distress, time loss, financial harm, and a reduction in creditworthiness. 
-- - ITEMIZED CHARGES Description Amount Illegal Reinsertion Without Certification ( FCRA 1681i ( a ) ( 5 ) ( B ) ( i ) ) {$1000.00} No XXXX Written Notice ( FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) ) {$1000.00} Failure to Conduct Reasonable Reinvestigation ( FCRA XXXX ( a ) ) {$1000.00} Reporting Inaccurate Information / Failure of Maximum Accuracy ( FCRA 1681e ( b ) ) {$500.00} Score Damage / Credit Harm ( Actual Damages ) {$1200.00} Emotional Distress & Mental Burden {$1500.00} Administrative Burden ( Time, Documentation, Evidence XXXX ) {$400.00} -- - TOTAL BALANCE DUE : {$6600.00} -- - MANDATORY REQUIREMENTS NON-NEGOTIABLE ( Due by XX/XX/year> ) Due to Experians willful FCRA violations, the following actions are required :

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
I am requesting clarification and correction on the CREDIT ACCEPTANCE CORPORATION account reporting under account number XXXX. My XXXX  report shows a repossession for XX/XX/XXXX and several late-payment entries for late XXXX and early XXXX. This information is incorrect. The vehicle was fully paid off, the loan was closed, and I still own the car. There was never a repossession of this vehicle at any time, and there was never an involuntary surrender. Because the account is paid and closed and the vehicle is still in my possession, I am requesting verification of how the repossession code and late-payment history were determined. Please provide the date the vehicle was allegedly taken, any documentation supporting a repossession, and the records used to assign the 30-day and 60-day late marks. If the account can not be verified accurately, please update the reporting to reflect the correct paid-off status with no repossession.

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 2025-12-03 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 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 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 2025-12-03 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: NY

Complaint narrative:
I am submitting this complaint because both Experian and TransUnion are reporting information that is inaccurate, improperly verified, and in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ). Experian is reporting accounts and inquiries with incorrect dates, inconsistent data, and questionable permissible purpose, including unauthorized hard inquiries from XXXX XXXX  XXXX XX/XX/year> and XXXX XXXX on XX/XX/year>, which I did not authorize and which violate FCRA 604 ( a ) ( 3 ). Experian is also reporting accounts that appear to be inaccurately aged or outdated, potentially violating FCRA 605 ( a ), and the Date of First Delinquency ( DOFD ) has either not been properly reported or conflicts with the information provided by furnishers, violating FCRA 623 ( a ) ( 5 ) and 605 ( c ). Experian continues to report information that is inaccurate or unverifiable, which violates FCRA 623 ( a ) ( 1 ) ( A ), as furnishers may not report information they know or should know is false or misleading. In addition, TransUnion is reporting several personal identifiers that do not belong to me, including multiple incorrect name variations such as XXXX XXXX, XXXX, XXXX, XXXX and XXXX, XXXXXXXX XXXX as well as inaccurate and unrelated addresses including XXXX XXXX  XXXX, New York, NY XXXX and XXXX XXXX XXXX, XXXX, NY XXXX. These errors violate the FCRA requirement that consumer reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of personal information and prevent file mixing or misassociation. These inaccuracies place me at risk of being associated with someone elses credit activity and undermine the integrity of my credit reports. Despite my disputes, these reporting agencies continue to maintain false information, fail to properly investigate, and allow unverifiable or unauthorized data to remain on my consumer reports.

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 2025-12-03 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: IL

Complaint narrative:
This complaint is submitted for false residual balance reporting on a closed, charged-off account in violation of 15 U.S.C. 1681s-2. 
XXXX XXXX Bank continues to report a {$33.00} balance without lawful accounting or verification. This constitutes material inaccuracy and willful FCRA noncompliance. 
Case Law : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. 2008

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
To whom it may concern, I am writing regarding my XXXX XXXX XXXX Account opened on XX/XX/year>, which is currently frozen due to what your representatives described as a verification issue. I have attempted to resolve this by phone, but I have not been given a specific explanation for the freeze or a timeline for access to my money. 

I currently have {$1400.00} in the account that I urgently need access to. At this time, all external transfers are blocked, and I am unable to withdraw the funds I deposited in good faith. This situation is causing me hardship, especially given that I have already complied with all identity verification requirements during account opening. 

Additionally, a second XXXX  account I opened shortly afterward was closed by the bank before the 30-day funding window, without explanation. This adds to my confusion and concern regarding the handling of my accounts. 

I am requesting the following : 1. A clear written explanation of the reason for the account freeze and/or closure, including what specific information or verification is pending.

2. Immediate release of my available funds. If online transfers can not be enabled at this time, I request that you issue a physical check for the full balance to my mailing address on file.

3. Written confirmation of any documentation you require from me to complete your verification process.

Please consider this a formal complaint and a request for prompt resolution. If I do not receive a response within 3 business days, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and any other applicable regulatory agencies, as I believe I am entitled to a clear explanation and timely access to my funds under federal banking guidelines.

Thank you for your attention to this matter. I am prepared to provide any additional documents immediately upon request. Please respond in writing via secure message or mail.

Thank you.

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 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: OH

Complaint narrative:
Jefferson Capital LLC sent a letter to myself trying to collect on an account. When I called to speak with the company to find out more information the representative offered to " read off '' the social security number listed on the account for me to " verify who I was ''. Since I declined to give out something so personal over the phone and declined to have the number read back to me ( I don't know whos account they had pulled up ), I was not able to verify the account that they alleged I owed them and was sent no information. This gives just cause for suspicious and improper handling if personal information by this debt collector. If someone calls their company with a name, and they pull up a account and read off people 's social security numbers on the phone to unknown individuals, this can cause serious harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: NC

Complaint narrative:
I am submitting to formally express my deep frustration and extreme dissatisfaction regarding the repeated inaccuracies on my Equifax, Experian and TransUnion credit report. Despite submitting prior disputes, I have found that several accounts remain inaccurately reported, unresolved, or unverifiable. The continued presence of these errors is entirely unacceptable and has severely affected my creditworthiness, financial reputation, and peace of mind. I demand an immediate and thorough reinvestigation of the following accounts, with proper correction or removal as mandated under FCRA 611 ( 15 U.S.C. 
1681i procedures for disputing inaccurate information ), FCRA 623 ( a ) ( 2 ) duty of furnishers to correct and update, and FCRA 605 ( a ) prohibition on reporting obsolete information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief