vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, I walked into a TD Bank waited an hour to set up a new account. I deposited a large check. The funds were made available to me on XX/XX/XXXX in full. On XX/XX/XXXX, I went to the ATM to withdraw more money but my card was declined. I called the customer representative and the person who picked up the phone was rude and started yelling at me calling me a fraudster. The exchange was so vile that I hung up the phone. After composing myself, I called back and I was told that based on TD procedure, I had to wait XXXX business days for the funds to be available. I also received written communication to that effect. I came back to XXXX without my medical procedure. On Tuesday XX/XX/XXXX, I walked into a branch and was told that I didn't have all my names on my account to provide verification that the check was mine. I sent them the letter stating that I would be receiving the check which includes a phone number and address of the issuing party as well as ID that had all my names on it. On Friday, XX/XX/XXXX, I went to the bank and my funds were still not available. I was told that I was being put on an extended hold til XX/XX/XXXX. When I called the TD Customer service, I was told the only way to verify the check is to go back into TD Branch. I made the phone call after visiting the branch. When I sent an email to the TD Bank Branch President, I was told " There is no extended hold on your account. I advised you, the name on your profile had to be ammended. I expedited, which takes about 3 days. I also advised that once that is updated, then I will be able to have them remove the block. As of today, the name change has not been updated. Once it is, I will proceed with the process TD has in place to have the check updated. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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:
I did not establish these accounts, which are fraudulent. Kindly investigate and delete them from my credit file. Documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Paypal decided, without my express permission, to open a credit card ( XXXX ) in my name. They sent the credit card to my address on file. I spoke with a Paypal customer rep supervisor. We will call her Mrs . Attitude. Mrs . Attitude explained that the card was sent to all people who have a virtual Paypal payment account. This was done so that they can have a physical card, instead of just virtual one, that they can use anywhere XXXX is accepted. 

As it was explained to me. This was all an effort to move everyone towards a physical card, while still being able to use their virtual payment account as well. 

All said, I never requested this. They opened a card in my name, without my permission. Lastly, Mrs . Attitude refused to answer my question : " is this all you need from me to close my account and never do business with Paypal again ''. It was a simple yes or no and we would be done. Instead, she answered my question with " Is that all you need ''? Back and forth argument ensued from there. What a fine specimen indeed. 
In the end the account was, by Mrs . Attitude 's own words " Closed ''. And I had her confirm the credit card is " not usable at all '' anymore.

Well, EXCEPT, 27 Minutes after the phone call ... I CAN STILL LOGIN. My account still exists. Clearly she didn't do her job. Enjoy this report lady. Thanks for violating the Truth in Lending Act. Incase anyone reads this ... that was sarcasm.

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 2025-09-05 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: IL

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

1681c2 ) that you, the TransUnion 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 : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$2300.00} 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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of unauthorized inquiries that appear on my credit report.

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may only furnish my credit report when there is a permissible purpose, such as when I have initiated a credit transaction, applied for employment, or given explicit authorization. I have not authorized the following inquiries, and therefore, they are unlawful : [ List unauthorized inquiries, creditor name & date ] Under 15 U.S.C. 1681i, I have the right to dispute information on my credit report, and you are required to conduct a reasonable investigation of my dispute. If you can not verify that these inquiries were made with my explicit written consent or for a permissible purpose, you must delete them from my credit file. 

Please provide me with written confirmation of your investigation results and a corrected copy of my credit report once these unauthorized inquiries have been removed. 

If you fail to remove these inquiries, you will be in violation of the FCRA, and I will not hesitate to pursue all remedies available to me under federal law, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

Thank you for your prompt attention to this matter. I expect your full compliance within the 30-day investigation period as required by law. 

Sincerely, XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: GA

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 XXXX Date : XXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$620.00} 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 2025-09-05 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: MO

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-09-05 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-09-05 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: 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-05 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:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: FL

Complaint narrative:
I recently reviewed my consumer credit reports and noticed that two late payments are being reported on my account, which is factually inaccurate. I have never been late on this account, yet it continues to reflect derogatory marks that are harming my credit standing. 

Account Information : Name : XXXX XXXX Account Number : Ending in XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ) Vehicle : XXXX  XXXX XXXX Inaccuracy and Violation of Reporting Duties Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers of information have a legal responsibility to ensure that the information they report to Consumer Reporting Agencies is complete and accurate. Reporting late payments when no late payments ever occurred is a clear violation of this requirement. 

Request for Investigation and Proof I respectfully request that you conduct a full investigation into these alleged late payments. Please provide documentation or account statements proving that the reported payments were, in fact, late. 

If you are unable to provide such proof, I demand that these inaccurate late payment notations be immediately corrected to on-time as they should have been reported from the beginning.

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 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
Urgent Request for Full Investigation and Documentation To Whom It May Concern, This email serves as a formal notice regarding the ongoing issues with my credit report that I have been attempting to resolve for the past eight months. Despite my repeated requests for a full investigation, I have yet to receive a satisfactory response or resolution concerning the errors I have reported, as required by federal law. 

According to the Fair Credit Reporting Act, I am entitled to a thorough investigation of any inaccuracies on my credit report. I have previously provided detailed information regarding the errors, along with the grounds on which I believe these inaccuracies exist. Additionally, I requested a copy of the original contract containing my wet signature so that I may verify it against my records. Unfortunately, this information has not been provided. 

The failure to correct these errors has significantly impacted my life and my ability to manage my financial responsibilities. The stress and emotional toll this situation has caused are considerable, and I am now compelled to escalate this matter. I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and am actively exploring the possibility of a class action lawsuit. 

All I am asking is for you to fulfill your obligations by providing the required documentation and correcting or deleting the erroneous entries on my credit report. I believe I have allowed ample time for these issues to be addressed, and I am prepared to pursue every available avenue to rectify this situation. 

Please note that I do not wish to be contacted by phone. All correspondence should be conducted via mail, as this is my preferred method of communication. If I receive any calls following this notice, I will seek legal counsel to protect my rights. 

Thank you for your immediate attention to this matter. I expect a prompt response to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: NY

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

1681c2 ) that you, the Equifax 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 XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} 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, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: OH

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-09-05 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXXXXe XXXXe ) for deceptive and misleading 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 explanation