vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I filed a complaint against TD Bank on this website with the CFPB on XX/XX/XXXX. On this website it has about this complaint, Status Open Company response is in progress as of XX/XX/XXXX. The complaint was that I went to this bank in XXXXXXXX XXXX  and closed my checking account and the next day when I logged into my online TD Bank account, all of my past bank statements had been removed where I could no longer see the bank statements in my online bank account. I was signed up to get my bank statements electronically in my online bank account. They were not to be mailed to me. I was mailed a letter from TD Bank that is dated XX/XX/XXXX that has Re : XXXX and has I'm writing to let you know we received your complaint filed through the Consumer Financial Protection Bureau XXXX The XXXX page letter says, I can confirm that your account was closed on XX/XX/XXXX. It then says, Please be advised that once an account is closed you are not able to view online banking statements online. The letter has Sincerely, XXXX XXXX XXXX Experience XXXX XXXX at the bottom of the XXXX page letter. That is typed, The letter is not signed by her. XXXX is in the bottom corner of the letter and XXXX ( XX/XX/XXXX ) is in the other bottom corner of the letter. Did TD Bank send a copy of this letter to the CFPB? Were they required to send a copy of this letter to the CFPB? At the bottom of the letter it has, please call me at XXXX if you have any questions or would like to further discuss this matter with me. Is this an official phone number of TD Bank. I request that TD Bank give me the full name of XXXX XXXX? The envelope this letter was mailed to me in has the return address on it of TD Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX. The envelope has stamped metered postage on it and that postage has ZIP XXXX on it. That zip code when googled is in XXXXXXXX XXXX. I live in XXXXXXXX XXXX. Was this letter mailed to me by TD Bank from XXXX, XXXX or from XXXXXXXX XXXX  XXXX XX/XX/XXXX is also on the stamped metered postage. Is this complaint still open I filed with the CFPB against TD Bank or does TD Bank consider the complaint closed by mailing me this letter dated XX/XX/XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Supporting documentation is enclosed to validate 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 non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The credit reporting agencies have a legal duty under the Fair Credit Reporting Act ( 15 USC 1681e ( b ) ) to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Reporting a debt as a charge-off or written-off while it remains outstanding without providing clear documentation of whether the creditor has canceled or forgiven the debt is inaccurate and misleading. 

If this account has truly been canceled or forgiven by the creditor, I request that the credit bureau provide a Form 1099-C ( Cancellation of Debt ) as required by law. If no 1099-C has been issued, then continuing to report the account as a charge-off/written-off without clarification is both incomplete and inaccurate, in violation of the FCRA. The information is inaccurate it say account open XXXX with a balance staring on XXXX. 

I am requesting the CFPB to investigate this matter and ensure the credit bureaus comply with their obligations under the law. Please provide me with written confirmation of the outcome of this complaint. 
XXXX 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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I am formally disputing the inaccurate late payment reported on my Navy Federal Credit Union account ending in XXXX. According to my records, this account has always been paid on time. Additionally, XXXX  reports no late payments or negative information for this account, which directly contradicts the negative reporting that appears on XXXX XXXX XXXX 

Despite my dispute, the creditor has failed to provide proper documentationsuch as billing statements, payment history, or transaction recordsto verify the accuracy of this late payment. Simply stating that the reporting is accurate does not meet the verification standard required under the Fair Credit Reporting Act ( FCRA ). 

This false reporting is damaging my credit profile and is not compliant with the FCRA requirement that all reported information must be accurate, complete, and verifiable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-09-23 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Mortgage XXXX, Select Portfolio Servicing, XXXX has increased my mortgage payment from {$1900.00} to {$4100.00} due to a lender placed wind policy as my original home insurance XXXX pulled out of the market. 

This increase in monthly payment is unsustainable and I am at risk of default.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am filing this complaint against Citibank due to what I believe is an unfair and intentionally damaging action to my credit profile. Citibank recommended that I open a 0 % interest balance transfer credit card to manage and consolidate my debt a strategy suggested by their own customer service team and supported by their online promotional tools. 

Shortly after following this advice and transferring approximately {$5000.00} onto the new card, Citibank suddenly and without clear explanation reduced the credit limit on XXXX of my existing Citibank credit cards by almost exactly the same amount. 

This action caused a substantial increase in my credit utilization ratio, which directly harmed my XXXX XXXX. It appears retaliatory or algorithmically timed to neutralize the benefit of the balance transfer, rendering the credit strategy useless. This feels predatory, deceptive, and unethical especially after I followed a path they recommended. 

I am requesting the CFPB compel Citibank to fully investigate these actions, review the timing of my limit reduction in relation to the balance transfer, and explain their justification in writing. 

I am not providing documentation, because it is XXXX responsibility to investigate their own internal records and account history, which will clearly show the timing and amounts involved. I want a written explanation and an appropriate corrective action if found to be predatory or retaliatory.

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 2025-09-23 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I deposited a check from XXXX XXXX insurance into my checking account. Im being told by my bank, Wells Fargo, that the transaction is on hold due to suspicious activity with XXXX XXXX  bank, and will not clear the funds for at least 10 days. Ive spoken with 3 different people at Wells Fargo and gotten the same response. XXXX XXXX representative says the funds cleared their account and they have never heard of such an issue before.

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 2025-09-23 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: Driveway Finance Corporation
State: CA

Complaint narrative:
On XX/XX/year>, I submitted an Identity Theft Block Request to XXXX under FCRA 1681c-2, supported by a police report, FTC affidavit , and rescission documentation. XXXX properly removed the fraudulent Driveway Finance account on [ XX/XX/year> ], but on [ XX/XX/year> ] it was reinserted without notice in violation of FCRA 1681i ( a ) ( 5 ) ( B ), which requires written notice within 5 days of reinsertion. No such notice was provided. Further, under FCRA 1681c-2, the account may not be reported again absent written documented proof that I was informed of the prior collision that caused frame damage, active check engine light, and active unaddressed safety recalls before the sale documentation that does not exist. In addition, on XX/XX/year>, I submitted a Debt Validation Request to Driveway Finance under FDCPA 1692g ( b ) and the XXXX FDCPA. They never responded, yet Experian continues to publish this account. This is false reporting under FDCPA 1692e ( 8 ) and violates FCRA 1681e ( b ) and 623 ( a ) ( 3 ). I request immediate and permanent deletion of the account and all late payments, and CFPB enforcement for willful non-compliance under FCRA 1681n. UNDER THE XXXX FDCPA XXXX HAS UNTIL XX/XX/year> TO EITHER RESPOND TO THE DEBT VALIDATION LETTER PROVDING THE REQUESTED DOCUMENTS OR TO PERMANENTLY BLOCK THE ACCOUNT TO AVOID LAWSUIT, OTHERWISE THEY ARE LEGALLY PROHIBITED FROM REPORTING SUCH ACCOUNT TO MY CREDIT FILE UNTIL SUCH DOCUMEMTATION IS PROVIDED. 
[ FURTHER NON-COMPLIANCE WILL EXPOSE YOU TO IDENTITY THEFT CHARGES UNDER THE XXXX XXXX XXXX XXXXXXXX IDENTITY THEFT ].

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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