vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/year>, a Certificate of Deposit I had with the bank expired. I was unable to manage a planned withdrawal of the funds during the grace period. This was because the bank refused ( over the phone and via any online functionality ) to allow me to move or manage the money out of the account without a physical, branch transaction. I was XXXX  ( in XXXX ) at the time, and was out of the XXXX  for the entirety of the grace period. I was effectively steered into accepting the best available promo rate for a renewal, or accepting the 1 % auto-renewal option while abroad - functionalities which were available on the app. 

When I returned and attempted to withdraw the CD at the XXXX branch, and explained my situation, the branch informed me that due to the " contract '', I was liable for an early withdrawal penalty. When I appealed to the branch manager, he questioned my reasoning for travel and informed me he could not authorize a penalty fee waiver. 

I withdrew all of my CD accounts and the vast majority of my funds from this bank and have entrusted them to another major XXXX bank. I did not feel safe holding them there. In summary, I was steered into accepting a lesser-of-all-evils option ( the best available CD rate ) while abroad, because the bank did not permit me to move the money out of the CD account without a physical branch presence. They then charged me an early withdrawal fee which seems to be arbitrarily derived on this withdrawal, far in excess of the expected interest on this XXXX CD.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
CFPB COMPLAINT IDENTITY THEFT, UNAUTHORIZED ACCOUNTS & FCRA / FDCPA VIOLATIONS Consumer : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Company : Affirm , Inc . 

I am filing this complaint against Affirm , Inc. regarding multiple unauthorized accounts that were opened and reported without my knowledge, consent, or authorization. I am a verified victim of identity theft, and my personal information was exposed in the XXXX  data breach. 
As a direct result of this exposure, fraudulent accounts were opened in my name and are being reported as charged-off obligations by Affirm. 

FRAUDULENT AFFIRM ACCOUNTS ( ALL UNAUTHORIZED ) Affirm, Inc. is reporting the following fraudulent accounts : Account # XXXX Charged off Balance {$800.00} Account # XXXX Charged off Balance {$150.00} Account # XXXX Charged off Balance {$490.00} I never opened, authorized, or agreed to any account with Affirm. I never signed any contract, application, or electronic agreement with this company. 

IDENTITY THEFT & NO CONSENT I never gave written or electronic consent for Affirm to : Open accounts in my name Access my consumer report Furnish information to credit reporting agencies This violates : FTC / FCRA 15 U.S.C. 1681c-2 ( FCRA 605B identity theft block ) FCRA 15 U.S.C. 1681b ( no permissible purpose ) FAILURE TO PROVIDE DEBT VALIDATION I demanded validation of these alleged debts. Affirm failed to provide : Any contract or agreement bearing my signature Proof of authorization or identity verification Complete payment histories Proof of account origination and ownership This violates : FDCPA 15 U.S.C. 1692g ( failure to validate ) FDCPA 15 U.S.C. 1692cc ( continued collection/reporting without consent ) INACCURATE & UNVERIFIABLE CREDIT REPORTING Affirm continues to report these accounts despite : Identity theft being reported No validation being produced Inconsistent reporting across credit bureaus This violates : FCRA 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ) FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( unverifiable information must be deleted ) FORMAL DEMAND I am requesting that the CFPB require Affirm , Inc. to : 1. Immediately cease all collection and reporting activity on the accounts listed above 2. Permanently delete all three Affirm accounts from all credit reporting agencies 3. Provide written confirmation that these accounts have been removed 4. Cease accessing or using my personal information without consent NOTICE OF INTENT If this matter is not resolved promptly, I will pursue : Additional complaints with the FTC and State Attorney General Civil remedies under FCRA 1681n and 1681o for willful and negligent noncompliance CERTIFICATION I certify under penalty of perjury that the statements above are true and correct. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: FL

Complaint narrative:
My cash app was closed on XX/XX/year> for a unspecified reason, the cashapp has a pending balance {$29000.00} and cashapp is supposed to offer us the option to withdraw funds from a closed account however we keep getting error message after error message and we have called customer service every single day and every representative is giving a different reason on why the funds cant be withdrawn at the moment. We submitted an appeal on XX/XX/XXXX and were told we would be contacted in XXXX business days with a resolution via email or phone, neither of which has happened. I called in to see the status of my appeal and they said we will let you know we have no timeframe. I have all the money in my name on this cashapp and they are either very uneducated in their own system or are just not wanting to return the money with XXXX reason I honestly have no idea. I am left out of options and need help by any means.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: RoundPoint Mortgage Servicing LLC
State: MN

Complaint narrative:
I have called RoundPoint Mortgage a total of XXXX  times over the past couple of months regarding my amount owed. 

I am owed roughly {$5000.00}. My loan closed XX/XX/year> and I have still not received my payment. 

I have called on : XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year> and there has been no resolution and my check has not arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
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 theXXXX 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 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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
During XXXX XXXX, my federal student loans temporarily exited in-school deferment because I was not enrolled half-time for the summer term. I resumed half-time enrollment in XX/XX/year>, and my loans are currently deferred with a {$0.00} payment due. 

During the brief enrollment gap and a servicing transition from Nelnet to XXXX XXXX XXXX, a single XXXX delinquency was reported in XX/XX/year>. There is no ongoing delinquency, no repayment pattern, and the account has since returned to compliant deferred status. 

I contacted both Nelnet and the current reporting entity to request review. I was informed that retroactive deferment or goodwill removal was not available under federal servicing rules. 

I am requesting a review of whether continued reporting of this isolated delinquency is appropriate given that it resulted from a temporary enrollment transition and servicing handoff, and that the loan is currently deferred and in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: SC

Complaint narrative:
I am submitting this complaint regarding inaccuracies on my Equifax credit report. I am actively working to improve my credit and ensure that all information is accurately reported in accordance with the Fair Credit Reporting Act ( FCRA ). I request a reinvestigation of the following items : Charged-Off Accounts I dispute the accuracy and balance of the following charged-off accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00} These accounts appear to be inaccurately reported and should be validated or removed. 

Inquiries I dispute the following inquiry as unauthorized or lacking proper authorization : No inquiries to dispute for Equifax at this time. 

Late Payments I dispute the late payment reporting on the following account, as it does not accurately reflect my payment history : XXXX XXXX XXXX XXXX XXXX  This late payment should be reviewed for accuracy and corrected if found to be incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
DEAR BOA ; BANK OF AMERICA ; I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : Original Credit Agreement ( the contract I allegedly signed, if applicable ) Full Itemized Statement ( showing how the balance was calculated ) Forward Flow Agreement ( proving debt transfer from original creditor ) Chain of Title / Assignment Documents ( showing legal transfer of ownership ) Complete Payment History Records ( verifying payments or delinquencies ) Validation Notice ( per FDCPA 1692g ) Notice of Default / Intent to Collect ( as required by law ) Proof of Statute of Limitations ( confirming debt is legally collectible ) Credit Reporting Agreement ( authorizing reporting to bureaus ) Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that unverifiable or misleading data can not lawfully remain on a consumers credit file.

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 2025-12-15 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: NY

Complaint narrative:
I am submitting this complaint with complete certainty and growing frustration. There are multiple errors on my credit report that can no longer be ignored, as they have been negatively affecting my credit score and disrupting my ability to achieve financial stability and independence.

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 2025-12-15 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: FL

Complaint narrative:
My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC. Please see the attached FTC report and remove these unverified accounts from my credit report. XXXXXXXX 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 2025-12-15 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: TX

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$0.00} Inquiries : No disputed inquiries for Equifax. 

Late Payments : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/year>, I deposited a {$56000.00} cashiers check issued by XXXX XXXX XXXX XXXX at a Chase Bank branch in XXXX , North Carolina . Chase provided a written receipt stating the funds would not be available until XX/XX/year>. 

After realizing the transaction was part of a scam, I acted immediately. Within approximately 30 hours, I returned to XXXX XXXX XXXX XXXX and requested a stop payment. XXXX escalated the matter directly to Chase Banks Fraud Department.

Despite being placed on notice : Chase released the funds early on XX/XX/year> at approximately XXXX XXXX  The funds were released before the stated availability date Chase failed to maintain a fraud hold Additionally, XXXX XXXX XXXX XXXX repeatedly contacted Chases Fraud Department over a period of approximately three months, and Chase failed to respond or take corrective action.

A police report was filed ( Case # XXXX ). I am a Disabled Veteran, and the loss has caused financial hardship.

What I want resolved : Full reimbursement of {$56000.00} Written explanation for early release of funds despite fraud escalation Confirmation of corrective action taken by Chase

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: MD

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-12-15 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
I am disputing several accounts listed under Experian that I believe contain inaccuracies. Below are the details of these accounts in dispute : CHARGED OFF XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} INQUIRIES XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/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 2025-12-15 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.

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 2025-12-15 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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