vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Harley Davidson Financial Services Inc
State: MA

Complaint narrative:
Harley Davidson financial operating as XXXX XXXX XXXX bank is basically robbing me from all my money. I dont understand how they can charge so much interest when Im a little bit late then charge me a late fee paperwork will explain some of what theyve done simple interest loans are an unfair business practice, and should be treated as such they need to be abolished and people hold accountable in truth. It is almost the same thing mobsters do, but they arent doing it legally and mops might give me a better deal. Its a moral and laws are made from morality please stop these loans Unfortunately Im just not a numbers guy. I never have been and theyve taken advantage of me. Im a senior citizen and theyve taken advantage of me now Im gon na go without my motorcycle. The one thing that gives me a reason to get up in the morning sometimes sad very sad.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
To Whom It May Concern, Barclays Online Savings has retained my money and refuse to transfer my money on several occasions. This behavior caused for me to transfer my money slowly out of the account. I transfer {$6000.00} on XX/XX/year>. On XX/XX/XXXX, I initiated what would be my last transfer of {$12.00} Dollars. They NEVER transferred the money. 
I have called them more than 6 times and they always tell me the same thing, that money was transferred. I got recipient bank ( XXXX ) to get on the line to confirm such transaction never occurred and they still would not budge. They keep telling me a supervisor would call me and only once have they left a voicemail, and of course they conveniently call at XXXX XXXX  Is not so much about the money, is the principle behind it. If this institution does this to several customers at a time, they are in essence stealing. 

Please help me obtain MY MONEY!!!

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 2025-10-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westlake Services, LLC
State: FL

Complaint narrative:
ACCOUNT Number to refer to XXXXXX/XX/XXXX Request for Debt Validation pursuant to 15 U.S.C. XX/XX/XXXXg of the FDCPA To Whom It May Concern : I am writing in response to your [ letter/call ] dated [ insert date ], regarding an alleged debt you claim I owe. This letter is not a refusal to pay, but a request for validation and proof of the alleged debt as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXXg. Under the FDCPA, I have the right to request the following information within XX/XX/XXXX days of being contacted about this debt. Accordingly, I am requesting : Validation of the debt the amount, the original creditors name and address, and a detailed accounting of the debt amount claimed. Proof that you are legally authorized to collect this debt, including documentation showing the chain of assignment, purchase agreement, or assignment contract from the original creditor to your agency. A copy of any signed agreement or contract that obligates me to pay this debt. The name and address of the original creditor, if different from your agency. Until you provide the requested documentation, I request that : All collection efforts cease immediately. No reporting of this alleged debt be made to any credit reporting agencies, or if it has already been reported, that it be deleted from all credit reports in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX and FDCPA XXXX ( b ). If you are unable to validate the debt with the documentation requested above, including a contractual assignment agreement, then you are required by law to cease collection efforts and remove any related negative credit reporting. Please note, any further attempt to collect on a debt that has not been properly validated may be considered a violation of the FDCPA and I will not hesitate to report this to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. I expect your response within XX/XX/XXXX days of receiving this letter. Please send all documentation to the address listed above

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Good day, I hope you're well. Accounts below are the subject of this letter. This is on my credit report and affects me greatly. Identity theft compromised my identification, thus these accounts appear on my credit record. Because they are not mine and I shouldn't be responsible for something opened without my knowledge, these accounts are really bothering me. You wouldn't want to pay for something you don't know, haven't done business with, or used. 

Please investigate and remove these bogus accounts from my credit record to help me get my life back.

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 2025-10-17 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-17 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: NJ

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX - XX/XX/2025 XXXX - XX/XX/2025 XXXX - XX/XX/2025 XXXX - XX/XX/2025 XXXX - XX/XX/2025 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX Account Account Type : Third-party debt collection Original Creditor : XXXX Bank ( retail credit account ) Account Number :XX/XX/XXXXXXXX Date Opened/ Placed for Collection : XX/XX/XXXX Date Reported/ Updated : XX/XX/XXXX Original Balance : {$690.00} Current Reported Balance : {$690.00} Payment Status : Collection account unpaid / in dispute Remarks : Consumer disputes this account information. 
Reported To : All three bureaus XX/XX/XXXX and XX/XX/XXXX. 



Actions Taken by Spring Oaks Capital The debt was purchased or assigned from XXXX Bank and placed for collection with Spring Oaks in XX/XX/XXXX. 
Spring Oaks began reporting the collection to all XX/XX/XXXX credit bureaus immediately, showing an unpaid balance of {$690.00}. 
After your initial dispute filing in early XXXX, they verified the debt without supplying validation documents no signed contract, no original statement, and no proof of ownership transfer were provided. 
They continued furnishing updates monthly through XX/XX/XXXX, even after you submitted an identity theft and fraud alert to the credit bureaus. 
Their reporting remains active and derogatory, showing a disputed status but still contributing to your overall negative profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: OH

Complaint narrative:
XX/XX/XXXX domestic wire transfer sent from XX/XX/XXXX bank to Discover bank; recipient bank string never received wire transfer. Initiated recall via XX/XX/XXXXhowever no response from Discover bank; IMAD number provided no cooperation from Discover bank'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
In XXXX of 2025 I attempted to transfer the amount owed on my HELOC acct with TD Bank to my XXXX XXXX XXXX Credit card who was offering 0 % interest for XX/XX/XXXX months and I wanted to save money from TD Banks 8.94 % interest. I went to a local TD Bank where the teller was not sure how to do the transaction. She excused herself and got directives from another coworker. She never informed me that the transaction was done as a cash advance. I was given a receipt that said it was a cash advance but never looked at the wording only the $ amount transferred. This of course was my error, however, the teller did the transaction without verbally informing me. When I received my XX/XX/XXXX2025 statement I was being charged nearly {$200.00} for a cash advance. I contacted XX/XX/XXXXXXXX and they file a dispute because I thought I did a cash advance. I then went to TD Bank in XXXX of 2025 and closed out all my accts after sitting down with the banks XXXX. She acknowledged that the communication for the transaction may have been confusing but would not change the transaction. After closing my TD Accts I continued to contactXX/XX/XXXXXXXX to find out the outcome of the dispute in XXXX, XXXX, and XXXX. My conversation with XXXX XXXX in XXXX of 2025 ended with me being told the case was closed because TD Bank never responded to the dispute. Now I did not owe the money toXX/XX/XXXXXXXX and had no statements from TD bank and theXX/XX/XXXXXXXX person informed me that because TD Bank never responded it was a write off- meaning I owed no one. So I let it go. In XXXX of 2025 I received a statement from TD Bank stating I owed nothing. A few weeks later I received another statement saying I owed XXXX. I only transferred {$4800.00}. The additional amts were finance charges. I began calling g TD Bank on XX/XX/XXXX. And tried to resolve the issue. Several calls and promises to dis cuss the matter never happened. They constantly said they could not make a decision but the person who could make the decision would call me. That never happened until I received a letter from XXXX on XX/XX/XXXX saying I was guilty because the receipt showed it was done as a cash advance. I tried calling her with a number provided but she never responded. They constantly do this. I have lostXX/XX/XXXXmonths of trying to pay back this debt but had no idea where it was. I am willing to pay back the {$4800.00} but not the finance charges of which I had no control over. TD Bank wa the most difficult institution I ever dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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:
Good day, I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request onXX/XX/XXXXregarding theseunauthorized inquiries, but they are still on my credit report. I am following up to insist on a thorough investigation and removal of these inquiries, which were made without my knowledge or consent. 

Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one illegally used information and information was breeched

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are late payment records on my credit report that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, credit reports must include only data that is accurate, complete, and capable of being verified. I am formally requesting verification of these entries, and if they can not be substantiated, I ask that they be corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
The deletion or blocking of accounts stemming from potential unauthorized inquiries is governed by consumer protection laws. Additionally, FCRA Section 604 outlines permissible purposes for consumer reports [ 15 U.S.C. 1681b ].

I am writing to formally dispute the accounts listed on my consumer credit report, as referenced below. These accounts appear to be a result of potential fraud, and I request verifiable evidence bearing my signature or electronic signature. I am submitting this letter on my own behalf, and I request a thorough review. These actions were initiated without proper validation or original proof, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act, specifically Section 604 [ 15 U.S.C. 1681b ]. 

XXXX XXXX XXXX XXXXXXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Remove the disputed accounts in accordance with the XXXX  legal timeframe under 15 U.S. Code 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: CA

Complaint narrative:
I request compliance with 15 U.S. Code 1681g in the removal of the disputed accounts.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint against the national credit reporting agencies XXXX, XXXX, and TransUnion for failing to conduct a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA 611 ) and for continuing to report inaccurate late-payment history regarding my federal student loans. 

In XX/XX/year>, I formally disputed inaccurate late-payment reporting related to my XXXX XXXX XXXX XXXX XXXX. The reporting reflected XXXX and XXXX delinquencies without a preceding XXXX delinquency, which violates the Metro 2 Credit Reporting Resource Guides required delinquency progression and renders the information technically and factually inaccurate under FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ). 

Each bureau received my dispute and supporting documentation by certified mail. Despite this, they verified the information as accurate without correcting the delinquency sequence or providing documentation showing how the reporting was validated. This constitutes a failure to perform a reasonable reinvestigation. 

Additionally, none of the credit bureaus marked the account as consumer disputes this account, which is a further violation of FCRA 623 ( a ) ( 3 ). As a result, my credit history continues to reflect false and misleading payment data that damages my creditworthiness.

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