vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Dear XXXX XXXX I have been provided your name as the person who is now handling this matter. I am the President of Certified Title and our company sent a wire from our escrow account at Bank XXXX XXXX to TD Bank in connection with a loan payoff. That wire in the amount of {$200000.00} was originated on XX/XX/year>, made payable to MCS Partners of FL, XXXX. I learned of this problem XX/XX/XXXX, and contacted the XXXX of the TD Bank branch where this account was held. I've attached a copy of my letter to the XXXX, XXXX XXXX, as well as all the supporting documentation regarding the transfer. All of this was done in an attempt to recall the wire. I have also reported it to XXXX  XXXX XXXX as a fraud situation, but it never would've reached this point if TD Bank didn't accept the deposit that was payable to a beneficiary who does not have a TD Bank account. My experience in receiving wires to XXXX  XXXX XXXX where I have my title company 's accounts is that a single letter difference in the name of the beneficiary and they return the wire to the bank account from which it originated. 

In the interim, I and my staff have been pestered with emails and telephone calls from the party who was supposed to receive that wire. TD Bank 's refusal to return that wire is going to continue to snowball and cause ever larger problems because the loan that was supposed to have been paid off is continuing to accrue interest and the buyer of the I you property that was purchased was provided a title insurance policy which showed that a new lender is in first position in their lien rights. 

I would strongly urge you to reconsider all of the consequences to TD Bank for leaving money in an account that it was clearly never intended for. This problem could have been nipped in the bud if TD Bank had shown a modicum of attention and had refused the deposit into an unrelated account, but now, having refused to return this wire from whence it came after the problem has been brought to your attention, I think creates a much larger liability for TD Bank. 

XXXX XXXX Florida XXXX XXXX XXXX Real Estate Attorney XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX extension XXXX ( XXXX ) XXXX facsimile XXXXXXXX XXXX  -- -- - Forwarded Message -- -- - From : XXXX XXXX To : XXXX XXXX ; XXXX XXXX Cc : XXXX XXXX XXXX Sent : XXXX, XX/XX/year> at XXXX XXXX  XXXX Subject : Recall of bank wire from TD Bank Please see the attached correspondence and documentation. 

XXXX XXXX Florida XXXX XXXX XXXX Real Estate Attorney XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX extension XXXX ( XXXX ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
To whom it may concern, I am hereby contesting the accuracy of any information contained within my credit report that lacks substantiated evidence. 
This pertains particularly to unproven claims, such as allegations of delinquency and derogatoriness. My action is aligned with the provisions set forth in the Fair Credit Reporting Act ( FCRA ) and adheres to the recognized industry standard for Metro 2 data field reporting. I emphasize that, in accordance with federal and state laws, it is imperative that all allegations are reported accurately and comprehensively. XXXX claims that contravene established laws and regulations is not only inaccurate but also unjust. 
I write to formally notify you of the necessity to ensure the factual and accurate reporting of all claims, as mandated by the Metro 2 reporting standard. I kindly request that you furnish tangible, verifiable evidence substantiating the existence of the account and its lawful usage. Should such evidence not be forthcoming, I insist on the removal of said account from my credit report. In accordance with this request, I XXXX authorization for the delivery of physical documentation detailing your actions and an updated copy of my credit report. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-07-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
To whom it may concern I received a copy of my credit report and I found these items told be in error. By the provisions of the Fair Credit Reporting Act I'm demand these items to be investigated and removed from my credit report. Please remove any information that the creditor can not verify. I understand that under 15USC Section 1681i ( a ) you must complete this investigation within 30 days. Please send me an updated copy of my credit report. Thank you for your time. Below are the following accounts to be disputed : Capital One Platinum account # XXXX and account # XXXX - reports a credit increase from {$300.00} to {$600.00} and an increased total balance from {$190.00} to {$470.00} This information is not accurate according to Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: VA

Complaint narrative:
It is a complaint about XXXX XXXX XXXX bank credit card. In the first part of XXXX I went to the HD store and purchased washer and dryer. I didnt feel comfortable about the washer sales person advised me to buy and about couple weeks later, on XX/XX/XXXX, I canceled the order, which wasnt delivered yet, and purchased another washer and dryer set online with XXXX  months payment promotion. In the meantime I received the bill for the first order with the due date of beginning of XXXX, the purchase which I never even had in my possession. Since first order was canceled and the second one was made on new billing period, I thought I just wait for a new bill to start paying, but a few days later I received automated phone call from HD credit card about late payment. I kept getting the phone calls, but wasnt sure if it was a scam or a fluke. Finally new billing cycle bill came due on XX/XX/XXXX, and to my surprise I saw late payment fee from the first order, which was cancelled on XX/XX/XXXX. Again, order was cancelled before it was delivered, NOT returned. I called credit card customer service and went over the issue. The young lady said that she will take off {$29.00} late payment, which she did, but late payment phone calls kept coming for the order that was cancelled. I called credit card again and spoke with XXXX, customer service rep. He could care less. He did say that he will stop the phone calls, but he said that it didnt matter if the first order was canceled and new one was made on new billing period, my payment was still late, even though new billing cycle due date is XX/XX/XXXX. Why am I getting penalized and harassed for the cancelled order which was never in my possession? I am encountering this kind of predatory practice from credit card company for the first time in my life. This is not right!!!

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 reported in to be removed.

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. 

XXXX XXXX XXXX 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! 

Delete 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 explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

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 2025-07-01 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:
To whom it may concern, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to dispute any information on my credit report that I believe is inaccurate. I understand that information on my credit report must be verified and documented before it can be used by creditors. I can not accept allegations of delinquency or derogatory remarks without factual evidence to support them. 
I am questioning the accuracy of this information, which does not appear to comply with federal or state reporting requirements. I kindly request that you ensure compliance and accuracy when reporting this information. As a responsible credit reporting agency, I trust that you will not report any information that you know or should know is not compliant with regulations or the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to dispute any information on my credit report that I believe is inaccurate. I understand that information on my credit report must be verified and documented before it can be used by creditors. I can not accept allegations of delinquency or derogatory remarks without factual evidence to support them. 
I am questioning the accuracy of this information, which does not appear to comply with federal or state reporting requirements. I kindly request that you ensure compliance and accuracy when reporting this information. As a responsible credit reporting agency, I trust that you will not report any information that you know or should know is not compliant with regulations or the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: WI

Complaint narrative:
Inaccurate balance was added to exoerianrental. XXXX was during XXXX relief and was paid through XXXX XXXX. Rental Balance consist of late fees. Contacted stonepoint apartment and spoke eith XXXX XXXX who stated they never reported XXXX to exoerianrental. Spoke to national credit system who stated they never reported XXXX to experianrental. XXXX rental is in violation of my rights and caused me to loose housing due yo inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: TN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-01 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: TN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have repeatedly disputed inaccurate and fraudulent information on my Equifax credit report, including unauthorized accounts ( such as XXXX ), incorrect late payment history for XXXX XXXX, and multiple unauthorized hard inquiries. I submitted these disputes by certified mail along with my government-issued ID and proof of address. Equifax has failed to properly investigate these disputes as required under 15 U.S.C. 1681i ( a ) and continues to report these items as verified without providing any documentation to substantiate their accuracy.

In addition, despite my repeated disputes and submission of all requested identification, Equifax sent me letters again asking for identity verificationdelaying resolution of my disputesand has since blocked access to my online credit file, displaying an error code requiring me to call in. I believe this is an attempt to make it unnecessarily burdensome to monitor corrections and to avoid compliance with my dispute rights. Under 15 U.S.C. 1681g, I am entitled to a full disclosure of my file upon request.

These repeated failures to conduct a reasonable reinvestigation, provide verification documents, and now restricting my access to my own credit file constitute violations of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681i failure to conduct a reasonable reinvestigation 15 U.S.C. 1681e ( b ) failure to ensure maximum possible accuracy 15 U.S.C. 1681g failure to provide full disclosure of my file upon request 15 U.S.C. 1681n willful noncompliance allowing statutory damages I have already filed an FTC identity theft report and submitted it to Equifax. My personal data was compromised and unauthorized accounts and inquiries appeared on my report, yet Equifax continues to report them without providing evidence of my authorization or of permissible purpose under 15 U.S.C. 1681b ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Inaccurate balance was added to exoerianrental. Balance was during covid-19 relief and was paid through government grants. Rental Balance consist of late fees. Contacted XXXX XXXX  and spoke eith XXXX XXXX who stated they never reported XXXX to exoerianrental. Spoke to national credit system who stated they never reported XXXX to experianrental. Experian rental is in violation of my rights and caused me to loose housing due yo inaccurate 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 2025-07-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUIST FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am writing to formally follow up on a request I made via email in XX/XX/2025 regarding the re-amortization of my loan. I have yet to receive a clear and complete response to my inquiry, and I would appreciate your immediate attention and clarification. 

According to the contract I signed, my monthly loan payment is scheduled to increase from {$150.00} to {$220.00} after an XXXX period. As part of this arrangement, I was advised that submitting the appropriate solar tax credit amount would impact the final monthly payment calculation. At the time, I was informed that the amount to be submitted as a tax credit would total {$8000.00}. 

However, I only received {$6000.00} as part of my actual tax credit. I would like to understand how this impacts my future monthly payments. Specifically, I am requesting written confirmation of the following : - If I submit the {$6000.00} I received as a tax credit, will my monthly payment still increase to {$220.00}? 
- Alternatively, will the shortfall of {$2000.00} be reflected in a revised monthly payment amount lower than {$220.00}? 
- If no payment adjustment is available without the full {$8000.00} submission, can you provide the rationale and terms that explain this outcome? 

I have made repeated attempts to get this information, and I am disappointed that my inquiry has not been properly addressed. As a customer in good standing, I am simply seeking clarity regarding the re-amortization process and its impact based on the actual funds I received and can submit. 

I kindly ask that someone from your team review my account and provide a written response as soon as possible. Transparency and timely communication are critical to maintaining trust, and I hope this matter can be resolved promptly.

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