vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My rights were violated as a consumer under 15 USC 1681B and I need them blocked and deleted from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TD BANK US HOLDING COMPANY

Complaint narrative:
Hello here is what I shared with TD Bank US. The maintenance fees continue to be charged and are eating away at the remaining balance. These fees are way too large.

I just reviewed my account and noticed that most of the account balance has been consumed by monthly service charges totalling {$550.00}. This is very bad its unfair that every month there are such high charges. I have included the dates and years in the below. I would appreciate if someone can help assist by reversing these charges and putting the account into a service tier that wouldn't have service charges as I don't maintain a large balance. I have a long standing relationship with TD going
back to the late 1980s and all of my banking business with TD, I am a loyal client and don't think this is fair treatment. Pleas reach out if you have any questions or need to discuss this to get it resolved. 

XXXX : Maintenance fee - {$25.00} XXXX : Maintenance fee - {$25.00} XXXX : Maintenance fee - {$25.00} XXXX : Maintenance fee - {$25.00} XXXX : Maintenance fee - {$25.00} Total : - {$120.00} XXXX : Maintenance fee - {$25.00} XXXX : Maintenance fee - {$25.00} XXXX : Maintenance fee - {$25.00} XXXX : Maintenance fee - {$25.00} XXXX : Maintenance fee - {$25.00} XXXX : Maintenance fee - {$25.00} XXXX : Maintenance fee - {$25.00} XXXX : Maintenance fee - {$25.00} XXXX : Maintenance fee - {$25.00} XXXX : Maintenance fee - {$25.00} XXXX : Maintenance fee - {$25.00} XXXX : Maintenance fee - {$25.00} Total : - {$300.00} XXXX : Maintenance fee - {$25.00} XXXX : Maintenance fee - {$25.00} XXXX : Maintenance fee - {$25.00} XXXX : Maintenance fee - {$25.00} XXXX : Maintenance fee - {$25.00} Total : - {$120.00} Total service charges from XXXX Year to date - {$550.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: MS

Complaint narrative:
Consumer Name : ( Strawman Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft due to several DATA BREACHES I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the credit reporting agencies block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( private email address ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
I am formally disputing the {$740.00} collection item listed on my credit report. This account does not appear to be accurate, and I believe it may not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I request that the credit bureau conduct a thorough investigation into the validity of this debt. Please provide documentation supporting the debts accuracy, including the original creditor and proof of any transactions or agreements. If the information can not be verified or is found to be inaccurate, I respectfully request the immediate removal of this entry from my credit report. If this dispute is not resolved satisfactorily, I will consider pursuing further actions under my rights provided by the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: MS

Complaint narrative:
This is a continuation of my previous complaint. Over the past two to three years, I have been repeatedly targeted by individuals impersonating companies like toll agencies, XXXX XXXX XXXX XXXX in attempts to gain access to my personal information. These impersonation attempts have continued even after the data breach and identity theft incident already documented in my FTC report. 

Because of my remote work situation, I did engage with some of the toll-related messages, as they initially appeared legitimate. Since then, Ive also had several unauthorized international charge attempts on my checking account, which were fortunately blocked. These ongoing events show that my personal information is still being targeted and misused. 

I am requesting that this statement be added to my existing case and that further protections be applied under the FCRA to ensure Im not held responsible for any resulting fraudulent activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My JPMCB CARD XXXX XXXX is not reporting to my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken
State: CO

Complaint narrative:
I am submitting this complaint against Kraken ( Payward , Inc. ) due to a lack of resolution and response following the fraudulent takeover of my cryptocurrency account and a resulting {$5000.00} unauthorized charge attempt and the loss of funds in my Kraken account.

Summary of the Issue : In XX/XX/2025, my Kraken account was compromised after my email was breached. The attacker used my email access to reset my Kraken password and take control of my account. 

Although I had biometric ( fingerprint ) 2FA enabled, Kraken did not require or enforce 2FA, allowing full access to my funds without my approval. 

The attacker initiated a {$5000.00} withdrawal from my linked bank account and removed XXXX XXXX  and bought XXXX with {$500.00} of cash in my account. I intervened in time and issued a stop payment via my bank for the {$5000.00} to leave my bank account. 

As a result of the payment failure, Kraken closed my account, and is attempting to collect the {$5000.00}, and has locked access to approximately {$4700.00} in assets that were in the account due to the unauthorized transactions. 

Removed my from my account with not authorization was : XXXX units of XXXX  {$500.00} in USD In my account at time of suspension was : An estimated {$4700.00} in XXXX ( which may have been deposited or transacted during the unauthorized activity ). 

My Actions : I reported the fraud to the following agencies : XXXX XXXX XXXX Case No. XXXX Federal Trade Commission ( FTC ) Report XXXX. XXXX FBI Internet Crime Complaint Center ( IC3 ) ID : XXXX I formally contacted Kraken on multiple occasions, including a detailed message on XX/XX/XXXX, explaining the breach and providing full documentation. 

As of XX/XX/XXXX, I have received no resolution, no progress update, and no restitution. Kraken has not acknowledged responsibility for the XXXX failure or assisted in recovering my lost assets. 

Request for CFPB Assistance : I am requesting that the CFPB : Investigate Krakens failure to protect my account, especially the lack of enforcement of their advertised 2FA security measures.

Hold Kraken accountable for locking my account and assets after a known fraudulent event.

Assist in compelling Kraken to : Restore or return the assets that were in my account before the breach.

Forgive the {$5000.00} charge, which I did not initiate and successfully stopped. 

Respond to communications in a timely and transparent manner. 

Krakens inaction is unacceptable given the seriousness of the situation and their obligations to safeguard customer funds. I am seeking your support in resolving this matter.

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filling a complaint against Equifax regarding a collection account that was settled for less than the full balance. The issue I am concerned about is that this account remains on my credit report despite multiple disputes to remove it after the statute of limitations has passed. Equifax continues to violate the fair Credit Reporting Act, 15 U.S. Code & 1681c ( c ). 

The account I am referring to is XXXX XXXX XXXX Last reported on XX/XX/XXXX, and last delinquent on XX/XX/XXXX, The last payment was XX/XX/XXXXXXXX  to settle the account. 

The card balance {$2000.00} and settle for {$1000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: NY

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Against Equifax for Inaccurate Reporting DEPT of ED / XXXX Accounts XXXX XXXX and XXXX XXXX Details of the Complaint : I am filing this complaint against Equifax for reporting inaccurate payment history information for my DEPT of ED / XXXX  tradelines ( account numbers ending in XXXX and XXXX ). 

Attached is a screenshot showing the reported payment history. For the years XXXX and XXXX, Equifax is failing to accurately report my payment status. The tradeline does not reflect that my payments have been made on time for these periods. Instead, it shows missing or unavailable data, which is false, misleading, and damaging to my creditworthiness. 

According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, a consumer reporting agency must report information with maximum possible accuracy. By failing to do so, Equifax is in clear violation of this law.

I have attempted to dispute this directly with Equifax but have not received a proper resolution. 

Relief Requested : I am requesting the immediate deletion of the inaccurate reporting for both DEPT of ED / XXXX accounts ending in XXXX and XXXX from my Equifax credit report. 

I also request that Equifax provide me with written confirmation that this inaccurate information has been permanently deleted from my credit file and that updated credit reports reflecting this deletion are sent to any parties that received the inaccurate information. 

Supporting Evidence : I am attaching a copy of the payment history screenshot that clearly shows the inaccurate reporting. 

Contact Information : Name : XXXX XXXX XXXX Phone : CFPB XXXX XXXX : XXXX Email : XXXX Address : XXXX XXXX XXXX, XXXX, NY XXXX Thank you for your immediate assistance in investigating this matter and ensuring Equifax complies with the FCRA. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Ive been a USAA member for many years, but the quality of service has declined so severely that Im considering moving my accounts. Recent issues include : XXXX. Wire Transfer Blocked Due to New Phone : After returning to the U.S. and updating my phone number, USAA refused to wire funds for a car purchaseciting the new phone as the reason. This makes no sense for members who travel or move. 
XXXX. Unhelpful Wire Transfer Department : When I tried to send a wire to a friend for a down payment, it took XXXX days to reach a personwho couldnt help. I had to mail a check to avoid further delays. 
XXXX. Broken Automated Phone System : The new voice recognition system cant understand basic words like yes or no. I was told theres no way to opt out. It wastes time and blocks access to support. 
XXXX. Website No Longer Allows Disputes : I can no longer ask about or dispute unfamiliar charges onlineI 'm forced to call, and that often takes most of my lunch hour just to reach a live person in the right department. 

These issues make basic banking difficult and show a lack of respect for members time and needs. Im requesting that these concerns be escalated to someone who can address usability and access problems.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Central Portfolio Control Inc.
State: LA

Complaint narrative:
I submitted a dispute with XXXX  for a medical debt that was showing on my credit file from XXXX XXXX in the amount of {$530.00}. I don't believe that XXXX  was thorough with their investigation into validation of the debt nor did they respond with any legal justification as to why I should pay a non-validated medical debt that's also showing up as a duplicate bill. I submitted paperwork and a legal precedent that was enacted in XXXX of this year ( XXXX  ) and very valid reason to their credit bureau as to why they should dismiss the said debt and update my credit file. XXXX  has made it very difficult to deal with and very injurious to consumers ' credit building process. At this point I don't feel it even necessary to continue an attempt to build my credit for the purposes of acquiring and securing a home for myself and my children. I am both disappointed and disheartened that I would have such an experience as this being that I'm a XXXX veteran who's on a fixed income from a company that's supposed to be of service to American taxpayers and it's citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: FL

Complaint narrative:
I am the victim of identity theft. I submitted both a valid FTC Identity Theft Report and a police report regarding a fraudulent account opened at XXXX XXXX. Under the FCRA and FACTA, this account should have been blocked and removed from my credit reports within 4 business days of receipt of those documents. 

As of now, XXXX XXXX  is still reporting this account as a charge-off with a high balance and delinquency, which continues to harm my credit score and ability to access legitimate credit. 

This account was not opened by me. I did not authorize it, use it, or benefit from it. I demand that XXXX XXXX  permanently delete this fraudulent account from Equifax, XXXX, and XXXX  immediately, and provide written confirmation of the deletion. 

I have attached the FTC affidavit and police report already submitted to the bureaus and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am the victim of identity theft. I submitted both a valid FTC Identity Theft Report and a police report regarding a fraudulent account opened at XXXX XXXX. Under the FCRA and XXXX, this account should have been blocked and removed from my credit reports within 4 business days of receipt of those documents. 

As of now, XXXX XXXX  is still reporting this account as a charge-off with a high balance and delinquency, which continues to harm my credit score and ability to access legitimate credit. 

This account was not opened by me. I did not authorize it, use it, or benefit from it. I demand that XXXX XXXX  permanently delete this fraudulent account from XXXX, XXXX, and TransUnion immediately, and provide written confirmation of the deletion. 

I have attached the FTC affidavit and police report already submitted to XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MA

Complaint narrative:
Discover Is Holding Me Responsible for Fraud I Didnt Commit My Identity Was Stolen While Playing College Basketball Complaint Summary : This entire situation has been devastating, and its honestly unbelievable that Im being treated this way. 

While I was attending XXXX XXXX XXXX XXXX, I was focused on chasing my dreams. I was far from home the only player from XXXX, with no family nearby and no support system. I was the XXXXXXXX XXXX of the team, XXXX XXXX XXXX XXXX XXXX While I was putting all my energy into the sport, my teammates people I thought I could trust stole from me. 

They took my wallet, passport card, cash, even my shoes. And even worse, they started using my Discover card to make purchases I never authorized. I didnt even realize it at first because I was so locked in on basketball and trying to survive in a XXXX XXXX 

Once I found out, I immediately reported the fraud to Discover, told them exactly which charges were mine ( only those in XXXX ), and did everything I could to cooperate. But instead of helping me, Discover is blaming me saying Im liable for charges I clearly didnt make. 

Theyre threatening to get lawyers involved, theyve wrecked my credit, and told me that even if I keep reporting the issue, they wont do anything about it. Thats what I was told that no matter how many times I report it or ask for help, they will not fix it or even close the account. 

This isnt just about money. This is about my future. My credit is ruined. My name is being dragged through the mud for something I didnt do. I was a victim, not a criminal. 

Im turning to the Consumer Financial Protection Bureau because I have no other option. Discover is treating me like Im the problem, when I was the one who got stolen from. This is heartbreaking, humiliating, and feels like Im being punished for simply being in a vulnerable place in my life.

Resolution Requested : Remove and reverse all fraudulent charges from my account Stop any threats of legal action or collections Remove all negative reporting from my credit Close the account if necessary, but do not penalize me further Officially recognize this as a case of identity theft, not a dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am writing to formally dispute several hard inquiries listed on my TransUnion credit report. Upon reviewing my credit file, I noticed multiple inquiries that I did not authorize, or that resulted in no approval or credit issuance. These unnecessary inquiries are negatively impacting my credit score. 

Below is a list of the inquiries I am disputing : WELLSFARGO XX/XX/year> XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> While I may have applied for credit or financing, I did not proceed with or receive any funding or approval from these institutions. Therefore, I am requesting that these inquiries be investigated and removed from my report if they are found to be unauthorized or unsubstantiated.

Please treat this letter as a formal dispute under the Fair Credit Reporting Act ( FCRA ). If the businesses that made these inquiries can not verify that I approved them and received a line of credit or service, I request that the entries be removed immediately. 

I have included a copy of my identification and a screenshot from XXXX XXXX showing the inquiries in question for your reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: MI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please delete these fraudulent accounts, they are hurting my ability to obtain credit.

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