vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am submitting this complaint because TD Bank closed my debit card dispute without ever requesting or reviewing my video evidence. 
On XX/XX/2025, my debit card was charged {$390.00} for a purchase from XXXX ( XXXX ). The merchandise was never delivered to me. I have clear video evidence showing the courier taking possession of the package, and after that moment the package was never delivered to my address. 
I disputed the charge with TD Bank and was issued a provisional credit. Later, TD Bank reversed the credit stating that the merchant confirmed delivery. At no point during the investigation did the bank ask me for my video evidence or give me any opportunity to submit it. 
The case was closed without reviewing key material evidence. I believe this is a failure to properly investigate my dispute. I am requesting that TD Bank reopen the investigation, review my video proof, and permanently credit the disputed amount back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Check Resolution Inc.
State: TX

Complaint narrative:
The amount they say I owe them is XXXX as of XX/XX/year>. On Friday XX/XX/XXXX of 2025 I asked them to provide a debt validation or provide an address where I can send one. They stated that is not how that worked and that all that info was in my email. I received multiple phone calls in the following days and on XX/XX/XXXX of 2025 I told them not to call me and to send all further communication by us postal service. They proceeded to call me again right after ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: DE

Complaint narrative:
XXXX XXXX ), XXXX, ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of those attached in dispte forms and FTC report These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( ) XXXX proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: DE

Complaint narrative:
XXXX XXXX ), XXXX, ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of those attached in dispte forms and FTC report These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( ) XXXX proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

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 2025-11-26 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: CA

Complaint narrative:
The following accounts are disputed due to inaccuracies. I request immediate investigation and correction or removal if the information can not be verified. 

Charged Off Accounts : XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$700.00} Inquiries : XXXX XXXX, Date : XX/XX/year> Late Payments : XXXXXXXX XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX, Date : XX/XX/year>, Balance : {$590.00}

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 2025-11-26 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: MN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX5 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 non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpointe mortgage servicing is refusing to reapply my funds that I sent in to pay off my mortgage back in XX/XX/year>. They applied my funds incorrectly and are refusing to go back and correctly apply them so that I have a XXXX balance. I need an advocacy group or a company that can help me fix this problem. As I do not want to double pay for an amount that Ive already paid off. All they keep doing is explaining to me how they applied the funds and I already know this response as Ive been getting the same one for the past year and a half. They are unwilling to work with me and change the balance that I owe to zero as it should be. My cashiers check for the final balance was dated XX/XX/year>. They did not tell me that the payment needed to be to them by XX/XX/XXXX. Had I known that was the case I wouldve wired the funds as opposed to getting a cashiers check from the bank. Also, when you send a payment, it is not considered late until the XXXX day of the month it is due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Fidelity Properties Inc.
State: OH

Complaint narrative:
I am filing this complaint because Fidelity Properties IXXXX is reporting inaccurate and contradictory information on my credit report for account XXXX XXXX XXXX violating my rights under the FCRA. 

Despite disputing this account multiple times, the furnisher has failed to correct basic, verifiable errors. 

Details of the Problem : Conflicting Dispute Status : My report says the account is disputed by the customer in one section, but incorrectly lists the official status as " Account not disputed. '' This contradiction is an error and must be corrected. 

Suspicious Dates : The dates reported for the last activity ( XX/XX/XXXX ) and the reporting date ( XX/XX/XXXX ) are inconsistent and highly suspicious. This suggests the debt may have been illegally " re-aged '' to keep it on my report longer. 

Unverified Debt : The furnisher has repeatedly failed to provide legal verification of this debt, including the original contract with my signature, after I disputed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 a 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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

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 a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: MD

Complaint narrative:
I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding misleading communication and negligence by Cash App ( Square , Inc. ) that directly resulted in my primary bank account being seized, accruing severe overdraft fees, and causing significant consequential financial damages. The company 's customer service provided false assurance regarding a payment dispute, causing me to lose control of my finances. 

Detailed Description of Events : Initial Fraudulent Transaction : On [ Date of Original Payment ], I made a Peer-to-Peer ( P2P ) payment of approximately {$900.00} to an individual who subsequently engaged in fraudulent interaction and disconnected communication after receiving the funds. 

Dispute Initiation and Cash Apps Misleading Assurance : Upon realizing the fraud, I contacted Cash App to dispute the payment. In response, a Cash App representative provided the following communication : Thank you for confirming, XXXX. We've been notified of a disputed payment with your card-issuing bank. We'll work directly with them moving forward. For more on the status of your dispute, please contact your bank. They'll be able to give you the most up-to-date info. ( I have evidence of this communication ). This statement strongly implied Cash App was actively collaborating with my bank ( XXXX XXXXXXXX XXXX ) to resolve the dispute favorably. 

Financial Harm : Relying on Cash App 's assurance, I maintained my banking operations. However, when the bank reversed the disputed funds ( likely ruling the initial payment as 'authorized ' due to the P2P nature ), the reversal caused my XXXX XXXX XXXX account to drop to a negative balance of over $ -\ {$900.00} XXXX with subsequent overdraft fees accumulating on top of that. 

Bank Account Seizure : Due to the severe negative balance caused by the reversal, XXXX XXXXXXXX XXXX seized my account, forcing me to open a new bank account and disrupting all my financial processes. My access to funds was suspended, causing me to rely on credit cards and incurring additional costs ( gas, printing, faxing ) related to managing this financial emergency. 

Lack of Cooperation : My bank has stated they can not easily get in contact with Cash App regarding the situation, contradicting Cash App 's initial assurance that they would " work directly with them. '' Basis of Complaint Against Cash App : My complaint is that Cash App 's representative provided misleading and damaging guidance, which prevented me from taking immediate financial action to cover the reversed provisional credit. This negligence directly resulted in the seizure of my bank account and the accrual of fees and consequential damages, as the company failed to accurately manage expectations regarding the outcome of the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: TN

Complaint narrative:
I am writing to dispute several accounts that are inaccurately reported on my credit report. Below is the list of accounts I am disputing, separated by each bureau. 

CHARGED OFF DEPTEDXXXX, XXXX, XX/XX/XXXX, {$6800.00} DEPTEDXXXX, XXXX, XX/XX/XXXX, {$6800.00} DEPTEDXXXX XXXXXXXX, XX/XX/XXXX, {$4100.00} DEPTEDXXXX XXXXXXXX, XX/XX/XXXX, {$1200.00} DEPTEDXXXX XXXXXXXX, XX/XX/XXXX, {$1700.00} DEPTEDXXXX XXXXXXXX, XX/XX/XXXX, {$3400.00} DEPTEDXXXX XXXXXXXX, XX/XX/XXXX, {$1800.00} XXXX, XXXX, XX/XX/XXXX, {$5400.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$6200.00}

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) 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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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 XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
On Wednesday XX/XX/XXXX I received a notification from a credit monitoring service that a change to my Dell account was on my credit report. I immediately saw the account was closed. I reached out to customer service and was advised even though I have been a customer since XX/XX/XXXX, my account was closed. I had a XXXX balance and always paid on time. I asked if I was notified and was told yes, on XX/XX/XXXX. I asked how I was notified and was put on hold. Once the representative returned, he informed me I actually was not notified. I asked why and they said legally they do not have to notify me. I asked if they valued me like they said they did, why wasn't I notified and if the account could be reopened. He stated no to reopening it and I would have to apply again. Also, he ended the call advertising the mobile app to manage my account. He stated he was required to go over it even though I no longer have an account. So they notify about an app but not about closing accounts. I had intentions on purchasing a computer for XXXX but now the account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
Company : XXXX XXXX Issue : Billing Dispute / Fees / Lack of Statements Complaint Description : I am filing a complaint regarding XXXX XXXX  failure to provide required monthly billing statements and a newly claimed {$380.00} late fee that was never disclosed to me. 

My last statement was received in XX/XX/year>. From that point forward, I did not receive any additional monthly statements, past-due notices, or communication indicating that my account was delinquent or that late fees were accruing. 

I turned in my lease vehicle on XX/XX/year>. At the time of turn-in, the dealership informed me that I had a remaining balance of {$790.00}, which I was told could be applied as a credit toward a new lease. This further indicates that no significant outstanding penalty or delinquency was disclosed to me. 

XXXX XXXX is now claiming a {$380.00} late fee that was never communicated, and I had no opportunity to resolve prior to its assessment. 

This is a violation of fair billing practices and constitutes a lack of proper notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: AZ

Complaint narrative:
I am disputing the XXXX XXXX auto loan on my credit report because the information being reported is clearly inaccurate. The account was charged off in XX/XX/XXXX, and the lender stopped reporting at that time. Despite this, my credit report is showing monthly updates and charge-off entries for XXXX, XXXX, and XXXX. That is impossible. A charged-off account can not show new activity or payment history years after the charge-off date. 

Because these updates are not real, can not be verified, and violate FCRA accuracy requirements, this account must be removed from my credit report. I am requesting its immediate deletion.

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