vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank Joint Checking Account Complainant : XXXX XXXX XXXX TD Bank Account Number : XXXX Branch : XXXX XXXX XXXX, XXXX, NY Date of Incident : XX/XX/year> I am a TD Bank customer for over XXXX  years. On XX/XX/year>, at around XXXX PM, I went with my wife and our XXXX twin babies to the XXXX, NY branch XXXX open XXXX joint checking account. Both of us were present with proper identification and ready to provide all required information. 
The branch supervisor, XXXX XXXX, refused to open our account, citing a shortage of staff. This reasoning is inconsistent with TD Bank policy, which only requires both applicants to be present with identification. When I requested a written explanation, none was provided. 
Throughout the interaction, XXXX XXXX treated us unfairly and spoke to us in a hostile and shouting manner. I explained that we had checked in on time, but she ignored this and continued being illogical and unprofessional. Her behavior caused undue stress, especially as we had twin infants with us. I am including her business card and the written confirmation I received documenting the interaction. 
I am concerned that this treatment XXXX have been influenced by bias, including XXXX bias, as there was no valid policy reason for refusing our account. This refusal of service without justification constitutes unfair treatment and lack of transparency. 
Requested resolution : Require TD Bank to provide a written explanation for why my joint checking account request was refused. 
Ensure branch staff provide consistent service and follow official policy. 
Address staff misconduct and ensure customers are treated respectfully, regardless of race or background.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
When I contacted Aldous and Associates to cease and desist communications for a debt that has already been resolved ( and was claimed incorrectly originally ), the person I spoke with impersonated an attorney and said that they would continue calling indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: NY

Complaint narrative:
XXXX XXXX XXXX {$8900.00} XX/XX/XXXX. 
In an accordance with the fair credit reporting act, the list of accounts above violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. I looked at my credit my Credit file from all three credit reported agencies on XX/XX/XXXX and notice some things are incomplete and not accurate. And according to the fair credit reporting act, whenever consumer reported agency prepares a consumer report. It should follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). And according to XXXX XXXX XXXX ( i ) ( XXXX ) they are supposed to do this, treatment of an inaccurate or unverifiable information. Please delete account and numbers from my credit file, delete account collections and hard inquiries from my credit file, because of multiple violations 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
Consumer complaint received 2025-09-03 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) 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 XXXX 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 XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent XXXX inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  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 XXXX  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 XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  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 2025-09-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
XXXX. XXXX appears to have purchased a XXXX debt originally from XXXX XXXX, which XXXX XXXX now reporting under my name. However, I do not acknowledge this debt as mine. 

At the time the debt was allegedly incurred, I had already moved out of the associated address and was not responsible for the charges. I never received any notice or validation of this debt, and I have never acknowledged it in any form. 

This debt exceeds the statute of limitations for collections in my state and is therefore not legally enforceable. As such, continuing to report this collection account is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I filed a dispute with XXXX, and they promptly removed the item from my report. However, XXXX  denied my dispute without providing any evidence that this debt is valid or legally collectible. 

I am requesting that the CFPB intervene to require XXXX  and XXXX. XXXX and any other credit agency they have reported me to, to remove this outdated and unverifiable debt from my credit report 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 2025-09-03 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Selene Holdings LLC
State: CA

Complaint narrative:
I am contacting you regarding XXXX XXXX, my fathers current mortgage loan. He is XXXX  years and diagnosed with XXXX. I have power of attorney, and also the Successor Trustee of his living trust. XXXX XXXX sold XXXX XXXX our loan in XXXX. Since that time XXXX has been extremely difficult to work with. I have numerous payment discrepancies that I have tried to discuss via phone and XXXX mail with no resolution. 
They have misapplied the payments causing extreme lates with all XXXX  credit bureaus Also, there are fees applied that I did not authorize. I was finally given a payment history that shows missed payments and fees that I have never heard of. Some months are showing multiple payments and they reflect that I am late due to their errors. I am in the process of trying to refinance our property so we can make some desperately needed XXXX to aid my father in his home instead of a care home. He is a XXXX XXXX. 
Every XXXX  lender has denied us due to the lates that show on all XXXX  credit bureaus.My father had excellent credit until XXXX XXXX ruined it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: LA

Complaint narrative:
Today, XX/XX/year>, an unknown person called me from the number ( XXXX ) XXXX and I missed the call. I returned the call because it appeared to be a local number. The person answering the call asked was my name XXXX XXXX XXXX XXXX XXXX I corrected and said my name was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He proceeded to ask me why am I stealing money and writing hot checks BEFORE even telling me the name of the company he was calling for. I told him I don't even write checks and the call must be a scam. Then he said they were taking me to court and an XXXX would come and have me arrested. I asked who he was calling for and he said he was calling for Ace Cash Express. He was yelling at me and I couldn't even hardly explain what the situation on my end was. So I told him I was going to report this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a formal dispute to the credit reporting bureau on XX/XX/year> regarding inaccurate late payment remarks on my credit report. 
The account ( s ) I disputed are : XXXX XXXX  Account # XXXX Late payment ( s ) reported on XX/XX/year> XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX - Late payment ( s ) reported on XX/XX/year> In my letter, I requested : A reinvestigation of the late payment remark ( XXXX ) Proper verification and documentation of the derogatory reporting A description of the method of verification used, as required by FCRA 1681i ( Section 611 ) As of today, over 30 days have passed and I have not received a response, nor has the inaccurate information been corrected or removed from my report.

This failure to investigate and respond violates multiple provisions of the Fair Credit Reporting Act, including : FCRA 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation FCRA 1681e ( b ) Failure to ensure maximum possible accuracy I am now forced to escalate the matter due to the bureaus noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a formal dispute to the credit reporting bureau on [ insert date ] regarding inaccurate late payment remarks on my credit report. 
The account ( s ) I disputed are : XXXX XXXX  Account # XXXX Late payment ( s ) reported on XX/XX/year> In my letter, I requested : A reinvestigation of the late payment remark ( s ) Proper verification and documentation of the derogatory reporting A description of the method of verification used, as required by FCRA 1681i ( Section 611 ) As of today, over 30 days have passed and I have not received a response, nor has the inaccurate information been corrected or removed from my report.

This failure to investigate and respond violates multiple provisions of the Fair Credit Reporting Act, including : FCRA 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation FCRA 1681e ( b ) Failure to ensure maximum possible accuracy I am now forced to escalate the matter due to the bureaus noncompliance.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: MicroBilt / PRBC (formerly CL Verify)
State: NY

Complaint narrative:
i am writing because i would like to update my information on my report because i recently notice unaccurate information

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FISERV FINXACT CORE
State: NY

Complaint narrative:
i am writing because i would like to update my information on my report because i recently notice unaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
All ACH transfer declined and didn't provide any explaination. 
XX/XX/year>, {$3000.00}, rejected XX/XX/year>, {$350.00}, rejected XXXX XXXX, {$3000.00} rejected

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC
State: NY

Complaint narrative:
I am writing because i would like to update my information on my report because i recently noticed unaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: IL

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 : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/2025, Balance : {$1100.00} 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: CBC Companies, Inc.
State: MI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I reviewed my credit report and noticed inquiries that do not belong to me.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Claim Number : XXXX Bank : JPMorgan Chase XXXX Banking Total Loss : {$1000.00} Transaction Dates : XX/XX/year> ( {$400.00} ) and XX/XX/year> ( {$600.00} ) via XXXX I am a Chase XXXX Banking customer. On XX/XX/year>, I sent a {$400.00} XXXX transfer, and on XX/XX/year>, I sent a {$600.00} XXXX transfer ( totaling {$1000.00} ) for a house rental. The landlord confirmed I would move in on XX/XX/year>. However, when I arrived, the house was empty. Neighbors confirmed they do not know this person. After receiving the funds, the landlord blocked my numbers and disappeared. This was a fraudulent rental scam, and I was misled into sending money under false pretenses. 

I filed a fraud claim with Chase under claim number XXXX. Chase denied my claim, stating that XXXX transactions are final and considered third-party. When I requested written details of their investigation and Chases policy distinguishing fraud vs. scam for XXXX business accounts, I was refused. A supervisor eventually hung up on me instead of providing transparency. 

Chases denial letter dated XX/XX/year> states only that the transactions were authorized, without addressing the fraudulent misrepresentation. The letter and phone responses provided no meaningful explanation of the investigation performed. 


What I Am Requesting For Chase to reopen and properly investigate this fraud claim, For Chase to attempt recovery of the funds through the receiving bank, For Chase to provide transparency on what investigation was conducted. 

I am seeking recovery of the {$1000.00} lost due to fraudulent misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation