vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX. 2025, at XXXX, I went to XXXX XXXX XXXX XXXX XXXX XXXX in XXXX Mo XXXX I wanted a personal loan of XXXX XXXX I explained to ( BRANCH MANAGER : XXXX XXXX XXXX I'm here to extend my credit to my self, I am both the borrower and lender in this consumer credit transaction, I do understand that by Law 's in America , Banks can not and do not lend there on money, so I'm extending my credit to my self, I also informed XXXX XXXX above for mentioned, that my credit has nothing to do with this consumer credit transaction, he told me yes it do? He asked me how will I pay it back, I then informed him about TRUTH IN LENDING VIOLATION 15 USC 1611 FALSE AMND MISLEADING RELAYING INFORMATION IN A CONSUMER CREDIT TRANSACTION, i informed him by me giving my SOCIAL SECURITY TRUST FUND ACCOUNT NUMBER AND DATE OF BIRTH AND AUTOGRAPH SIGNATURE I HAVE JUST CREATED A CONSUMER CREDIT TRANSACTION, AND BY LAW I CAN'T BE DENIED, IF DENIED ST.LOUIS CREDIT UNION COMMUNITY WILL BE IN VIOLATION OF FEDERAL AND STATE LAW, XXXX XXXX CONTACTED HIS FINANCING XXXX ( ( XXXX XXXX, AND DENIED ME EXTENSION OF MY CREDIT, XXXX A.R.R.

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 2025-09-11 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: OR

Complaint narrative:
This complaint is not made in error. My credit report contains inaccuracies that continue to cause me significant harm, both personally and financially. These errors are unacceptable, and their ongoing impact is deeply concerning. It is imperative that these issues be corrected without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
They stole funds from my checking account to pay the credit card account. As a result, I could not buy gas or food that day. They said I signed a new XXXX agreement that I have not seen and is probably unreasonably long, so I would not have known this could happen anyway. 
I called and they gave me a hard time about closing my accounts. They closed checking, then would not close credit card. A supervisor finally closed credit card, but then they would not close savings. 
I told them \I don't believe it is legal to force me to keep any account open. 
My family and their attorney said they will make arrangements to pay off the credit card account. I do not want to be charged any more fees or have any more very stressful surprises. 
I would appreciate your assistance in closing this savings account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Acra Intermediate Holdings, LLC
State: OK

Complaint narrative:
On XX/XX/year>, I sold my property located at XXXX XXXX XXXX XXXX, XXXX, OK. At closing, Citadel XXXX XXXX d/b/a Acra Lending was paid in full. The Settlement Statement from Legacy Title of Oklahoma shows the following payoff amounts to Citadel : * Principal : {$210000.00} * Interest : {$9300.00} * Prepayment penalty interest : {$5300.00} * Escrow/impound overdraft : {$5200.00} * Unpaid late charges : {$530.00} * Unpaid NSF charges XXXX {$50.00} * Corporate advances/legal costs : {$1300.00} * Recording : {$18.00} Total payoff to Citadel : {$230000.00}. 

Despite this full payoff, XXXX XXXX reported to Equifax, TransUnion, and Experian that foreclosure proceedings were initiated after the loan was satisfied. Their tradeline continues to show false derogatory information into XXXX and XX/XX/year>. This is inaccurate and misleading I was never foreclosed on, and the loan was fully satisfied through sale. 

I have disputed this directly with the credit bureaus and XXXX multiple times, submitted supporting documentation, and even filed FTC identity theft and fraud reports. The bureaus responses were dispute resolved subscriber disagrees, leaving the false foreclosure reporting intact. 

Citadels actions have caused me serious financial harm : I have been denied credit, charged higher insurance premiums, and forced to accept auto loan interest rates as high as 18 % despite proof that the foreclosure reporting is false.

This appears to be a clear violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2, 1681i ) * * and the Real Estate Settlement Procedures Act ( 12 U.S.C. 2605 ) * *, as XXXX knowingly furnished false information after payoff and failed to correct their records. 

I am requesting immediate relief : 1. Deletion of the XXXX XXXX XXXX XXXX all credit bureaus. 
XXXX. Correction of all inaccurate foreclosure-related reporting. 
XXXX Review of the inflated fees and prepayment penalties charged at payoff. 

Attached is the XXXX XXXX XXXX dated XX/XX/year> proving full payoff to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: SC

Complaint narrative:
This letter was mailed to Capio Partners on XX/XX/year> in request to verify this debt. I have also called and asked to verify the debt personally multiple times with no luck. As of XX/XX/year> I have still not received anything in regards to this. I also was never made aware of any bill in the first place and never received any mail in regards to this. 

XX/XX/year> To Whom It May Concern, This letter is being sent in response to your communication regarding an alleged debt. This is not a refusal to pay, but a request for validation made pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. 

Please provide the following : The amount of the alleged debt, including an itemized breakdown of any interest, fees, or other charges. 

The name of the original creditor. 

Documentation that verifies I am legally obligated to pay the debt. 

A copy of any judgment ( if applicable ). 

Proof that your agency has the legal right to collect this debt in my state. 

Until this information is provided, you must cease all collection activities and stop reporting this alleged debt to credit bureaus. If it has already been reported, you must notify the bureaus that the debt is in dispute. 

This request is being sent via Certified Mail with Return Receipt Requested. I am keeping copies of this letter and all related correspondence for my records. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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 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 explanation
Consumer complaint received 2025-09-11 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: TX

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 2025-09-11 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: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-09-11 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:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I requested multiple times and for multiple years to remove from this collection that is showing on my credit report across all 3 bureaus illegally. To show proof that I gave them my information or consent/permission to obtain my personal information. Which I have never done such thing. This is affecting my credit score, personal life, and family. 

It shows as : LVNV FUNDING LLC {$1100.00} " Opened '' XX/XX/year> Status shows OPEN

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: OH

Complaint narrative:
Bank errors in billing and reporting are unfairly damaging my credit. Under the Truth in Lending Act ( 15 U.S.C. 1666 ( b ) ), creditors are required to accurately apply payments and credits. However, my accounts reflect : Payments I made that were not properly recorded.

Calculation errors in reported balances.

Failure to provide the required 21-day notice before a due date, making late payment marks invalid.

These errors violate federal law and have directly harmed my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-11 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: WA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor 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

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 2025-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
As a military member I did request a SCRA military benefits, I got my interest rate lowered however never got my overpayments refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor 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

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 2025-09-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing fraudulent accounts that have been wrongfully reported on my credit file. These accounts are not mine, were never authorized, and represent false and damaging information. Their inclusion misrepresents my financial history, undermines the integrity of my credit report, and creates undue harm to 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
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
What Happened : On XX/XX/year>, I am scheduled received my first direct deposit paycheck ( {$4000.00} ) into what XXXX represented as an FDIC-insured bank account through XXXX XXXX ( provided routing/account numbers ). Immediately before the deposit, XXXX suspended my account access over an unrelated {$150.00} payment dispute. 
The Legal Issues : Wage Interference XXXX XXXX is holding my employment wages hostage over an unrelated payment app dispute Banking Law Violations : They're treating my FDIC-insured XXXX XXXX  account deposits the same as payment app balances, violating the legal separation between banking and money transmission services Regulation XXXX Violations : Denying access to legitimate direct deposit wages without proper cause or due process Deceptive Practices : Marketing FDIC-insured bank accounts but applying payment app suspension rules to banking deposits Financial Harm : Unable to access {$4000.00} in wages needed for living expenses XXXX XXXX standard policy would hold these funds for 180 days - essentially a forced interest-free loan This creates immediate financial hardship and interferes with my ability to pay basic living expenses Company Response : Both chat and phone support refused escalation, providing only standard customer service deflection. They claim authority to freeze legitimate bank account deposits indefinitely based on unrelated payment app activity. I provided my documents immediately and was ready to provide whatever other information necessary to confirm my identity. 

Resolution Sought : Immediate restoration of access to my wages and clarification that FDIC-insured bank deposits can not be frozen due to payment app disputes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bounce AI, Inc.
State: VA

Complaint narrative:
Timeline of Events XX/XX/XXXX Alleged account opened with XXXX XXXX, XXXX. 

XX/XX/XXXX Bounce AI , Inc. claims it acquired rights to the account. 
( No bill of sale, assignment, or chain of title documents provided. ) XX/XX/XXXX Bounce AI lists an itemization date showing a balance of {$4700.00}. 

XX/XX/XXXX Bounce AI mailed correspondence to an address I had not lived at for more than XXXX years. This deprived me of proper notice and delayed my ability to dispute the debt in a timely manner. 

XX/XX/XXXX My last payment to Bounce AI ( in the amount of {$49.00} ). 
( Payment history still not provided. ) XX/XX/XXXX I sent a validation request under the FDCPA. 
( Requested proof of ownership and a full transaction history. ) XX/XX/XXXX Bounce AI replied with only a copy of my XXXX agreement and summary balances. 
( No chain of assignment, no accounting ledger. ) XX/XX/XXXX I sent a follow-up letter reiterating my demand for validation and instructing Bounce AI to cease collection and refund payments. 

XX/XX/XXXX Bounce AI responded via email : Claimed acquisition date ( XX/XX/XXXX ), Listed account open date, last payment date, and balances, But again failed to provide assignment documents or transaction history. 

XX/XX/XXXX I filed disputes with XXXX XXXX XXXX XXXX 

XX/XX/XXXX I am now filing complaints with the CFPB and XXXX Attorney General, and have sent a stop-payment/revocation letter to Bounce AI and my bank to prevent further unauthorized withdrawals. 



Current Issues Bounce AI has not validated the debt under the FDCPA. 
They mailed at least XXXX notice to an outdated address where I had not lived in over XXXX years, depriving me of proper notice. 
They continue to collect money and report to credit bureaus without proof of ownership or accuracy. 
This has caused financial harm and credit damage. 
* XXXX XXXX closed its business in XX/XX/XXXX.

Company response to consumer: Closed with explanation