vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX 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 to be removed/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. 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I need ACCESS TO MY EXPERIAN ACCOUNT so I can temporarily unfreeze my credit report - this is important! 
There is some problem with Experian 's software, I can not get account access, and without access I can not even file a dispute with Experian. 
Experian has no customer service. All of their phone numbers route to the same automated " time waster '' algorithm. There is no way to speak to a human for any reason, and Experian 's on-line password and user id tools absolutely do NOT work. My most recent Experian experience occurred XX/XX/XXXX and XX/XX/year>.

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 2025-08-06 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: FL

Complaint narrative:
Experian did not conduct a proper reinvestigation of my dispute as required under the FCRA. Their response was frivolous and dismissive.

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 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, a {$500.00} charge was made to my Wells Fargo debit card without my knowledge or consent. The transaction was made by a company I do not recognize and did not authorize. I believe this business is part of a fraudulent operation that targets individuals by misrepresenting services and charging them without permission. 

I immediately contacted Wells Fargo and filed a claim for an unauthorized transaction. However, Wells Fargo denied the claim, stating that the charge was authorized. I appealed their decision, explaining that I did not approve the transaction and that the company is not legitimate. I also requested the documentation used to justify the denial, but the bank closed the case without further explanation. 

Despite my efforts, Wells Fargo has refused to refund the money or take any additional action. I am seeking assistance in having this charge reversed, as I have been the victim of fraud and the bank failed to properly investigate the dispute. 

The charge was made by a company using the name XXXX XXXX XXXX XXXX. This entity solicited a {$500.00} investment through its platform but failed to provide any confirmation or access to the investment. I attempted to contact them and requested a refund, but they did not respond. I believe this is a fraudulent operation.

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 2025-08-06 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: TX

Complaint narrative:
Late payment entries appear on my report that I believe are inaccurate Under 15 USC 1681e ( b ) and 15 USC 1681i my report must only contain information that is accurate complete and verifiable I am requesting that these late payment entries be verified and if they can not be confirmed they should be corrected or removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
This complaint details a cascade of failures by TD Bank, beginning with mishandled fraud and escalating to deceptive practices that have resulted in false credit reporting, financial liability for charges I did not make, and a direct threat to my professional licenses. 

The timeline is as follows : 1. Initial Fraud & Failure to Act ( XX/XX/XXXX ) : I identified multiple fraudulent charges on my account from a vendor named " XXXX. '' I immediately reported this to TD Bank and explicitly requested the vendor be blocked. TD Bank failed to act, which allowed subsequent fraudulent charges to occur. 

2. Bank Error Caused False Credit Reporting : To ensure no payments were ever missed on my auto loan, I proactively visited a TD Bank branch in XX/XX/XXXX and worked with manager XXXX XXXX to set up an authorized ACH payment. Despite this, XXXX Bank 's internal systems failed to handle the payment correctly, resulting in a delinquency. The bank then reported this false delinquency to all three major credit bureaus ( XXXX XXXX XXXX  ). This negative mark is entirely the result of TD Bank 's error, not my negligence. 

3. Deceptive Resolution and Cover-Up : After multiple failed attempts to resolve this, I escalated the issue to TD Bank 's executive leadership on XX/XX/XXXX. I was subsequently contacted by at least three bank representatives who assured me the issue was resolved. This was false. Instead of conducting the promised investigation, TD Bank took the following actions without my consent : They closed the credit card account entirely.

They cancelled the authorized ACH payment plan I had established.

Most egregiously, they removed the account from my online banking portal, making it impossible for me to access statements or monitor the fraudulent charges.

TD Bank 's " resolution '' was to hide the evidence of their failures from me, all while continuing to hold me liable for the fraudulent amounts and continuing to report negative information to the credit bureaus. This is a clear act of bad faith and deception.

4. Ongoing Harm : As of today, TD Bank is still demanding payment for fraudulent charges on an account I can not even see. The false delinquency remains on my credit report, putting the professional licenses required for my business in immediate jeopardy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Company reporting invalid information. I would like for items to be delete from my record.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hi, Im writing to ask for your help in removing a few accounts that dont belong to me. I never opened them and wasnt made aware that they were added to my credit report. Based on USC 1681g, Im kindly asking that they be removed within 15 days. Ive attached the necessary documents for your review.

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 2025-08-06 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: PA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-06 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-06 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: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I am disputing a derogatory tradeline reported by Chrysler Capital that appears on my XXXX  credit report. The vehicle was declared a total loss in an accident, and the loan was paid in full through insurance. Despite this, Chrysler Capital reported the account as a charge-off/repossession with a balance due, which is not accurate. 

I have already disputed this account with XXXX, and they continue to report it inaccurately, causing harm to my credit score. 

I request that this account be updated to reflect the correct status : Paid in full through insurance or removed entirely for inaccurate and misleading reporting under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: Atlanticus Services Corporation
State: PA

Complaint narrative:
There are fraudulent and inaccurate items on my credit report. I am a victim of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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:
On XX/XX/year>, I uploaded valid identity theft documents through Experians online dispute portal, including my government-issued ID, police report, and a signed written statement identifying specific fraudulent accounts. 

Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), Experian is required to block fraudulent information within four ( 4 ) business days of receiving valid documentation. 

On XX/XX/scrub>XXXX XXXX I spoke with XXXX from Experian 's Consumer Affairs department. He confirmed that my documents were valid and provided me with Report Number : XXXX. However, he informed me that Experian would not block the accounts due to internal protocol. 

This is a willful violation of federal law. Internal policy does not override FCRA requirements. The fraudulent accounts remain on my report despite Experians legal obligation to remove them. I am requesting that Experian comply with the law, block the fraudulent information immediately, and correct my credit report.

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 2025-08-06 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:
On XX/XX/year>, I uploaded valid identity theft documents through Experians online dispute portal, including my government-issued ID, police report, and a signed written statement identifying specific fraudulent accounts. 

Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), Experian is required to block fraudulent information within four ( 4 ) business days of receiving valid documentation. 

On XX/XX/scrub>XXXX XXXX I spoke with XXXX from Experian 's Consumer Affairs department. He confirmed that my documents were valid and provided me with Report Number : XXXX. However, he informed me that Experian would not block the accounts due to internal protocol. 

This is a willful violation of federal law. Internal policy does not override FCRA requirements. The fraudulent accounts remain on my report despite Experians legal obligation to remove them. I am requesting that Experian comply with the law, block the fraudulent information immediately, and correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: WI

Complaint narrative:
{ VALIDATION AND CEASE AND DESIST } Collection agency name : SPRINGOAKCAP XXXX Account number : XXXX My NAME : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, Wisconsin XXXX Dear SPRINGOAKCAP I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 

Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

[ Permissible Purpose ] Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

[ Notification to Other Collectors ] I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
I believe that I am being discriminated against because I am a XXXX XXXX.BSI allegedthat they immediately process all payments, but I was told by their representativeXXXX XXXXwho I spoke with XXXX telephone that they were behindthree ( 3 ) weeks in processing payments and that he would waive the late fee. I asked why I would haveto pay a late fee when the post markdateproves I paid it on time. Also note that I prepaid my principal on the majority of my payments. That and my postmarked dates prove that I am being discriminated against by BSI. 

For The Record, my previous payment patterns history indicates/ proves XXXX XXXX and XXXX XXXX payments are mailed in the same envelope and USUALLY processedon the same date. Note theBSI Transaction Report attached withthis complaint.The recent XXXX payments however proves that theywere NOT processedon the same date. XXXXpayment with Check # XXXX XXXX, XXXX, XXXX XXXX, XXXX, andCheck # XXXX Dated XX/XX/year>, for XXXX XXXX XXXX XXXX, XXXX. Both checks were placed into asingle envelopewith XXXX class postage and personally deposited to be mailed by the XXXX XXXX XXXX XXXX. to BSI Financial Services. I believe most post offices have video cameras which will confirm my payment mailing date. 

BSI representative XXXX XXXX confirmed via telephone that I had made several phone inquiries as it relates to my payments because I noticed the aforesaid checks had not been cashedby BSIseveraltimes before theGrace period expired. 

Furthermore, IPrepaidthe PrincipalXXXX XXXX {$440.00} on my XXXX Payment.My Payment History Proves I usuallyPre-paidmy Principal on both Mortgages as my Checks prove that FACT. BSI had a processing failure which was verified by XXXX XXXX and my Postmark date but the XXXX at BSI believe that they can steal from me because I am a XXXX XXXX. I am baffled by BSI Financial Services ' conduct towards me and believe that I am being discriminated against because I am a XXXX XXXX. 

For the record, I give BSI Financial permission to release my payment History on Both mortgage paymentsimmediately upon the Consumer Financial Protection Bureaus demand / request to include the BSI Survey I completed as per BSI request on their employee " XXXX XXXX '' which reiterated certain factssubmitted in this complaint. I have the BSI email as it relates to my completion of XXXX XXXX Surveythat was submitted to BSI. Charging me a Late Fee in this matter is Racism and Theft by BSI Finacial Services.

Company response to consumer: Closed with explanation