vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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: EQUIFAX, INC.
State: OK

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: NC

Complaint narrative:
This complaint is about a fraudulent debt from a property management company and the ongoing, harassing collection attempts by a third-party debt collector. The debt is for a period after I was formally removed from the lease. 

A third-party debt collector is trying to collect a debt that I don't owe. The original creditor, a property management company, is seeking payment from me for a period after I was formally removed from the lease at a subsidized housing property. 

I have already disputed this debt with both the debt collector and the credit bureaus. I have also repeatedly tried to get a key document from the original creditor, because this document proves I am not responsible for the debt. 

Despite my numerous requests via email and phone calls, the XXXX XXXX XXXX has failed to provide it. Their representatives have been unresponsive and have given me inconsistent information. The debt collector has also failed to provide a valid verification of the debt. 

I have also filed complaints with other federal and local agencies about the original creditors failure to maintain and provide federally mandated records. 

The debt collector is trying to collect a debt that I do not owe, which is an unlawful practice. The original creditor is actively preventing me from resolving this issue by refusing to provide a legally required document that would prove the debt is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: FL

Complaint narrative:
To Whom It May Concern, On XX/XX/year>, I attempted to make my monthly mortgage payment through Mission Servicing 's online portal. When I clicked submit, the website displayed an error message stating the system was undergoing maintenance and instructed me to try again later. 

On XX/XX/year>, I returned to the portal and successfully completed the payment. 

However, on XX/XX/year>, I discovered that I was charged twiceonce for the XX/XX/XXXX attempt ( which the website clearly indicated had failed ) and once for the XX/XX/XXXX payment. 

This duplicate charge has caused my bank account to overdraft. I live paycheck to paycheck, and this unexpected withdrawal has put me in financial distress, including the risk of going hungry and missing essential expenses. 

When I contacted XXXX XXXX customer service department to request an immediate refund, I was told that I would need to mail in XXXX months of bank statements, after which the matter would be reviewed, and a refund check might be mailed to me. I was explicitly told online refunds are not available. 

This process is unacceptable : The error originated from Mission Servicing system failure, not from any mistake on my part.

I have always paid my mortgage on time and in full, including this months ~~ {$2000.00} payment.

Mission Servicing 's refusal to promptly return funds taken in error demonstrates negligence and disregard for customer hardship.

I am filing this complaint formally with both Mission Servicing company and the Consumer Financial Protection Bureau. I request the following remedies : Immediate reversal of the duplicate charge or an expedited refund via electronic transfer.

Reimbursement of any overdraft or penalty fees caused by this error.

A written explanation of how Mission Servicing system allowed a failed payment to be processed and assurances that this will not occur again.

I expect a prompt response and resolution. Please treat this matter with urgency, as the consequences of Mission Servicing error are directly harming my ability to meet basic living needs.

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 2025-09-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Re : Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I received a copy of my credit report to find the following items to be incorrect. 
I have explained the discrepancies in the numbered entries listed below : XXXX Name & Number - 1. XXXX XXXX- XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX- XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX XXXX According to my records the information you are reporting on this account is inaccurate. I demand that you remove this information from my credit report immediately.

By the provisions of the Fair Credit Reporting Act of 1970, 15 U.S.C. 1681 et seq., I demand that these items be reinvestigated and deleted from my credit record. Please send me the names and addresses of the companies that you contacted so I may follow up.

Under the terms of the Section 168 li of the Act, you have 30 days from receipt of this letter to verify this disputed information. In the event you fail to verify this data, or fail to respond to this request altogether, the disputed data must be deleted in its entirety.

Also, pursuant to 15 U.S.C. Section 168ld of the Act, please notify me when the items have been deleted. You may send an updated copy of my credit report to the below address. According to the provision of Section 1681j, there should no charge for this notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: CO

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission.

Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit.

Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " rrting of any.

information in the file of a consumer that the consumer identifies as informaeasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purpoy report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the repotises. I do not believe any of these permissible purposes apply to the disputed items on mon that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-05 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
I am the Plaintiff in a pending state and federal action involving Credence Resource Management LLC. On XX/XX/2025, the Supreme Court of the State of New York, XXXX XXXX ( Index XXXX XXXXXXXX ) entered a signed Temporary Restraining Order ( TRO ) restraining Credence Resource Management XXXX and XXXX XXXX XXXX from : Reporting or furnishing disputed accounts to the credit reporting agencies ( XXXX XXXX XXXX XXXX  ) XXXX Collecting on, transferring, or selling the alleged account ( s ).

Despite this binding TRO, Credence has failed to provide written confirmation of deletion and continues to furnish inaccurate tradeline information, which remains in my credit file. This violates both the TRO and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) and Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

Credence is also implicated in my federal case, XXXXXXXX XXXX XXXX  XXXX, et al., XXXX XXXX. XXXX ( E.D.N.Y. ), where I allege FCRA and FDCPA violations. Its refusal to comply with a signed court order demonstrates willfulness and ongoing harm. 

Credence has a record of CFPB enforcement actions and consumer complaints for similar conduct. Its failure to honor both statutory obligations and a judicial restraining order requires immediate regulatory oversight.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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:
The entry is incorrect and does not accurately represent my financial responsibility. Please amend it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Dear Sir or Madam, This letter is an explanation for my mortgage payments to Trust Mortgage for our home that was sold on XX/XX/XXXX. The release of the lien for the property can be found in public records in XXXX XXXX, Texas. 

I would like to take this opportunity to explain to you my specific situation and why I followed the advice of my realtor regarding my mortgage payments. It is important that you know that at the time of the sale of the house, I was recently XXXX. I took on most of the financial burden in the relationship. A copy of my XXXX  decree can also be found in XXXX XXXX records. 

The house was listed for sale on XX/XX/XXXX for XXXX dollars. We reduced the price twice and received a contingent offer on XX/XX/XXXX. This offer fell through and we listed the home for sale again on XX/XX/XXXX for XXXX. We received another contingent offer on XX/XX/XXXX and eventually sold our home on XX/XX/XXXX. 

It is during this time of a sale that I was told not to pay the mortgage for the house since we were going to sell it and the loan will be paid off. When the first contingent offer fell through, we were already behind one month, at the advice of my real estate agent, ( XXXX XXXX, with XXXX ) and with a second contingent offer on the table, I was told not to pay for the mortgage. This caused me to be 60 days behind on the mortgage. The house did sell and the loan was paid off, including all late fees. 

English is my second language and I was simply following the advice of professionals. I am requesting that you please take this information into consideration and remove this negative information from my credit report, as I am now saving to purchase a home, and it will affect me in the future. 

I thank you in advance for your time and attention to this matter. Please feel free to contact me at the above email and address with any questions or suggestions. 

Respectfully yours

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This XXXX XXXX card has been reported as delinquent repeatedly, negatively impacting my credit score. This account is over 8 years old and should have fallen off by now. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) I ask that this be removed. Please investigate these discrepancies and take appropriate action to correct my credit report by removing or updating the disputed information within the required timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This XXXX XXXX card has been reported as delinquent repeatedly, negatively impacting my credit score. This account is over 8 years old and should have fallen off by now. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) I ask that this be removed. Please investigate these discrepancies and take appropriate action to correct my credit report by removing or updating the disputed information within the required timeframe.

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 2025-09-05 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information that is currently being reported on my credit file. After reviewing my credit report, I have identified the following item ( s ) that are incorrect and do not belong to me and/or are being reported inaccurately :

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 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I made a claim of a service that I was not able to use due to a tornado watch in the area of the concert I was not able to attend the concert. I brought the ticket with my hard worked and I file a claim to receive my funds back when I was not able to use the services, upon making this claim Wells Fargo discriminated against and harassed me for no reason telling I can not use my card for 12 months. That is not how to treat a loyal customer I have a right to make a claim as many times as I need to for a service that I did not use or if the services were not fufilled. The claim was for XXXX they closed my claim I purchased this ticket XX/XX/year>. I do not like how I am being treated when I have been such a loyal customer. They seem to think that they can treat people however they want. People were trying to talk down to me at this bank when I asked why did they shut my card down for no reason they responded you just not gon na use the card for 12 months

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 2025-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion data breach which impacts more than XXXX XXXX Americans. My information was compromised and TransUnion should be held accountable.

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 2025-09-05 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: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I am filing this complaint against TD Bank/Target Credit Card Services due to their repeated failure to properly handle a billing dispute for charges made by a company called XXXX XXXX  - a vendor I never knowingly or intentionally authorized for recurring billing. 

The total amount disputed is {$350.00}, representing multiple unauthorized charges that occurred over time. Most recently, another {$29.00} charge appeared on XX/XX/year>, despite receiving confirmation from XXXX XXXX that the account was canceled in XX/XX/year>. I have even gotten a new Target Card with a different account number since then and yet, XXXX XXXX was allowed to charge another recurring {$29.00} charge. I have since frozen the card, as it is clear my previous attempts to resolve this have been ineffective. 

Targets dispute process has been disorganized and exhausting. I have : Submitted documents by mail as requested. 

Spoken to multiple dispute supervisors- all of whom identify only by first name. 

Been told contradictory information depending on who I speak with. 

Been informed that the case was closed due to lack of documentation, only to be later told that multiple caseworkers were involved and some of the disputes are still open. They opened a total of 12 disputes for each recurring charge and gave them to multiple caseworkers to investigate.

I have no single point of contact, and there is no way to escalate to a higher authority or verify that my documentation is being reviewed properly. Ive been told to " wait for a final resolution '' while receiving automated letters stating my dispute is denied- often for vague or factually inaccurate reasons. 

At this point, I am left with no confidence that Target/TD Bank is handling my dispute in good faith, and Im requesting your assistance to compel them to fully review all documentation and issue a refund for the total disputed amount.

Company response to consumer: Closed with explanation