vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am filing this complaint against TD Auto Finance/TD Bank regarding the continued reporting of a fraudulent account in my name and their failure to respond to multiple written disputes. The latest letter was mailed to the CEO/President of TD Bank/ TD Auto Finance XXXX XXXX XXXX, XXXX XX/XX/year>, which was received and signed for on XX/XX/year>, copies are all attached. TD Auto Finance is reporting a fraudulent account under my name. I did not authorize or enter into any agreement with TD Auto Finance. I mailed several formal dispute letters to TD Auto Finance, as required under the Fair Credit Reporting Act ( FCRA ), demanding deletion of the fraudulent account. Despite my repeated disputes, I received no responses from TD Auto Finance. TD Bank is in Violation of Federal Law : 1. FCRA, 15 U.S.C. 1681s-2 ( a ) : Furnishers of information may not report information they know or should know is inaccurate.

2. FCRA, 15 U.S.C. 1681i : Consumers have the right to a reasonable reinvestigation of disputed accounts. 
TD Auto Finances failure to respond to my disputes and continued reporting of fraudulent information constitutes willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I am disputing unauthorized or excessive hard inquiries appearing on my XXXX  report. 

XXXX XXXX XXXX XXXX XXXXXX/XX/year> Ally Financial XX/XX/year> & XX/XX/year> XXXX XXXX XXXX XX/XX/year> & XX/XX/year> Several of these inquiries were not authorized by me or represent duplicate submissions from auto dealer shotgun applications. Reporting multiple inquiries from the same application misrepresents my credit activity and unfairly harms my score. Under FCRA 604 ( a ) ( 2 ) and 607 ( b ), bureaus must ensure inquiries are reported accurately and only when legally permissible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: VA

Complaint narrative:
Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
ALDOUS Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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 ]

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 2025-09-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am disputing inaccurate hard inquiries on my XXXX  report. 

Capital One NA XX/XX/XXXX XXXX XXXX ( Dealer ) XX/XX/XXXX Cap One Auto Finance via Dealer  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize multiple dealer-related inquiries in XX/XX/XXXX, and these appear to be excessive shotgun applications from a single car dealership visit. The duplicates are misleading and unfairly penalize me. Under FCRA 604 ( a ), only inquiries for which I provided direct consent should remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am submitting this complaint about multiple fraudulent accounts that have been opened in my name due to identity theft. Despite submitting all required documentation, I have yet to receive any resolution regarding the removal of these accounts from my credit report. 

Affected Accounts : Affirm Account Steps Taken : I have already submitted identity theft reports and supporting documentation ( such as a police report, affidavits, and proof of my identity theft claim ) to the credit reporting agencies and the creditors involved. 

I have directly contacted the companies involved to notify them of the fraud and requested the removal of these accounts. 

Despite all efforts, the accounts have not been removed from my credit report, and the issue has not been resolved. I respectfully request that the CFPB investigate this matter and take the necessary actions to have these fraudulent accounts removed from my credit report. This includes ensuring that they are deleted from all major credit reporting agencies ( XXXX XXXX XXXX XXXX  ). 

I trust the CFPB will assist me in resolving this issue promptly, as the fraudulent accounts are causing significant harm to my credit score and financial wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: UPGRADE, INC.
State: AL

Complaint narrative:
After my hardship payment plan ended, my payments correctly went back to {$39.00} on the XXXX of each month. I've made the payment for XX/XX/year> yet I'm receiving late pay for {$78.00}, with an email threatening to charge {$29.00} late fee. My payment is not late. 

I am seeking any late fee charged to be returned back to me, not reported late on my credit report/score. My next payment is not due until XXXX. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: VA

Complaint narrative:
1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: CA

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XXXX XXXX XXXX. XXXX XXXX Date : XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$310.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company 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 2025-09-21 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: CO

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am submitting this formal complaint against Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXXXXXX XXXX XXXX. Despite having received all required documents, Equifax has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was in hospital due to my boa account being used an was denied access to account for a year due to me not having id so since they have just been locking me out account due to fraud .. but won't award the dispute due to fraud when I go inside back every time to verify myself .. because of fraud. I'm so confused with his account

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 2025-09-21 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: FinCo Services Inc DBA Current
State: MO

Complaint narrative:
I had closed my secured credit cards from XXXX XXXX and current banking. I closed my account because I never really used my credit card and it was making my credit score go down. I made all my payments on time I had a XXXX balance when I closed it. On XXXX XXXX i noticed my credit score dropped down XXXX points. My credit score shouldnt have been dropped down this low when I made my payments on time and I have a good payment history and my balances was {$0.00}. Another issue is XXXX said my data had been leaked in a cyberattack so I want to figure out whats going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against WELLS FARGO CARD SER a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute ( attached ) challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Fail notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. WELLS FARGO CARD SER XXXX & WELLS FARGO BANK XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: VA

Complaint narrative:
1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX Please remove it from my credit report.

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 2025-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
XX/XX/XXXXI paid off my car loan in full from Exeter Finance, but my credit report is stating thatXX/XX/4600was written off. Their was no amount that was written off. In seeing this on my credit report I contacted the company and they are still saying the amount was written off. I have asked for a full statement of my account. It was paid off in full 2 1/2 years ago!'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Avant Holding Company, Inc.
State: TN

Complaint narrative:
On XX/XX/year>. I received an email with a loan offer. I already have a credit card through avant, so when they invited me to apply for the loan, I was sure of the company. I applied for an amount of {$3000.00} I was approved and I entered my bank account/debit card information to get the funds to be deposited into my account. 
On the XXXX of XXXX I called to check on my funds, I was informed that funds were deposited on the XXXX of XXXX, yet I didn't receive any money in my account. I verified my bank account information, to which I was told that it was the wrong information. So I emailed my bank statement, which was requested, I received email confirming the receipt. 
I called back several times but to no avail. 
As I mentioned earlier that I have a credit card with the company and I use online services to make my payment and I use different bank accounts to do so. In the past I have used XXXX of the banks that my wife also has a separate account. In the past I have used her account to pay bills. When I go to pay my bills a list of my accounts pops up at the time of choosing which account I want to use. So my guess is that somehow the accounts were mixed up and the money was deposited into my wife 's account. 
I called and informed avant about the mix up. I was told not to worry that they will make it right. Meanwhile my wife had her bank return the money out of her account back to sender. 
Finally I got an email from avant telling me that my loan application had expired and that I was not getting the funds. 
Now I stand here with no funds and an inquiry on my credit report. 
I need this resolved and I'm asking CFPB for any help that is offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: American Credit Acceptance, LLC
State: TN

Complaint narrative:
I am disputing inaccurate hard inquiries on my XXXX  report. 

XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX ( Dealer ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX American Credit Acceptance XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize multiple dealer-related inquiries in XX/XX/XXXX, and these appear to be excessive shotgun applications from a single car dealership visit. The duplicates are misleading and unfairly penalize me. Under FCRA 604 ( a ), only inquiries for which I provided direct consent should remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc
State: VA

Complaint narrative:
I am disputing an alleged XX/XX/XXXX debt that XXXX XXXX XXXX is attempting to collect. Within 30 days of their first contact I mailed a written FDCPA debt-validation request. USPS shows it was delivered on XX/XX/year> at XX/XX/XXXX in XXXXXX/XX/XXXX ( Certified Tracking XX/XX/XXXX XXXX ). 

XXXX has not mailed any validation. Instead, they continue collection activity by sending payment plan emails and asserting the balance ( now {$180.00}, previously ~ {$130.00} ). Under 15 U.S.C. 1692g ( b ), a collector must cease collection ( including emails, calls, portal messages, and credit reporting/verification ) until they mail validation. 

Separately, the underlying charges are disputed. I canceled the XXXX membership and PT agreement on XX/XX/year> due to relocation more than 25 miles from any facility, as permitted byXX/XX/XXXXXXXX XXXX XXXX. I notified XXXX in writing and by certified mail ( USPSXX/XX/9261) with proof of my new address. Any fees assessed after my cancellation notice are invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: VA

Complaint narrative:
1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX accurate. 
XX/XX/XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report.

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 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
NATLCRSYS Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I just applied for a navy credit federal account last week and it was compromised before I could access to it. I havent setup an online account but its currently active and in use. I believe this is the actions of an employee within the branch located in South Carolina.

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