vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-02 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: Regional Management Corporation
State: NC

Complaint narrative:
I am submitting this complaint because XXXX XXXX continues to report false late payments and other inaccurate data to XXXX, despite the account showing a {$0.00} balance and no valid payment delinquency. 

The account ( XXXX XXXX, # XXXX ) was opened on XX/XX/year>, yet XXXX  reports 30-day late payments for XXXX and XX/XX/year>, which is impossible within the first 60 days of account opening. This creates a false derogatory impact on my credit profile. 

I previously disputed this information with XXXX, but it was returned as verified with no supporting documentation. I have not received any written validation or billing records from XXXX. 

These actions violate multiple provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), 1681e ( b ), 1681i ), as well as UCC 3-501 and 9-210, which require furnishers to maintain verifiable documentation and provide accurate accounting upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: U.S. BANCORP
State: KY

Complaint narrative:
I have a prior complaint that is now closed related to my mortgage. This is a new complaint related to the fact that they are now charging my account fees that are unrelated to me. US Bank is refusing to release my mortgage from being flagged as being related to my ex-husband 's bankruptcy. This is despite the fact that they now do acknowledge that I am the sole name on the loan, that my name alone is on the deed, and that they have received the divorce property settlement that provided evidence that my ex-husband was financially compensated and gave up his interest in the property. Additionally, they also now acknowledge that in his court filing he identified himself a tenant ( non-owner ) of the property. On XX/XX/year>, it was discovered that they have charged by mortgage account a {$200.00} XXXX XXXX XXXX ( XXXX ) fee. When I reached out to the bank, I was told that this fee is related to my ex-husband 's bankruptcy. I explained that I wanted the fee removed since I was in no way related to the bankruptcy. The CSR told me that they would see if they could have the fee removed and said they would be sending a follow-up email, which I have not received and do not expect to receive. I was also told during this phone call that it common practice of US Bank to flag the loans of Landlord 's when their tenants file for bankruptcy. I have made an appointment with an attorney to discuss the legality of this situation.

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 monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synergetic Communication Inc
State: GA

Complaint narrative:
I have never received any communication or written notice from Synergetic Communication , Inc. regarding a debt they are reporting for XXXXXXXX XXXX XXXXXXXX XXXX. 

I discovered this collection account only after checking my XXXX credit report on XX/XX/year>. 

Synergetic Communication never mailed, emailed, or called me before furnishing this information to the credit bureaus, violating the Fair Debt Collection Practices Act ( FDCPA 1692g ( a ) ) which requires written notice within 5 days of initial communication. 

This same debt was previously reported and deleted in good faith by a prior collection agency after my dispute was resolved. Its reappearance under a new collector name constitutes re-aging and re-reporting, which violates the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 1 ) ( A ) ). 

I am requesting that the CFPB investigate Synergetic Communications collection practices and direct them and the credit bureaus to permanently delete this account from my report, as it was reported without proper notification, validation, or lawful assignment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: Sezzle Inc.
State: NC

Complaint narrative:
I am submitting this complaint because Sezzle Inc continues to report false late payments and other inaccurate data to XXXX, despite the account showing a {$0.00} balance and no valid payment delinquency. 

The account ( Sezzle Inc, # XXXX ) was opened on XX/XX/year>, yet XXXX  reports 30-day late payments for XXXX and XX/XX/year>, which is impossible within the first 60 days of account opening. This creates a false derogatory impact on my credit profile. 

I previously disputed this information with XXXX, but it was returned as verified with no supporting documentation. I have not received any written validation or billing records from Sezzle. 

These actions violate multiple provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), 1681e ( b ), 1681i ), as well as UCC 3-501 and 9-210, which require furnishers to maintain verifiable documentation and provide accurate accounting upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I sent an international wire on XX/XX/year> for {$15000.00}. I went into the branch and handed the written instructions to the teller who had not sent a wire before and requested help from the store manager. I aked them to send to the beneficiary bank NOT the intermediary bank. After 5 days the bank had not received the funds and I went back into the branch. They told me the receiving bank would have to trace the funds. They can not and I went back into the bank and spoke to XXXX XXXX the other store manager who told me there wasnt any more they can do. I asked for the XXXX code and she said they dont use them and to go through the beneficiary bank. I went home and googled what to do. I went back to the bank and saw the other store manager and requested an XXXX to trace the funds and she had never heard of that. Finally a wire investigator was put on the case. They sent me the XXXX saying the funds are with XXXX ( intermediary bank ). The correct beneficiary account was then sent ( as I figured out from the XXXX they had sent to the intermediary bank ). 

When I got no more information I requested they return the funds. It has been over 2 months, XXXX trips to the branch and many, many emails with XXXX XXXX and XXXX XXXX who communicates with the wire dept. I have been given incorrect and sometimes misleading information... I was told by XXXX that XXXX has the funds and XXXX now keeps telling me the wire dept says they are with XXXX XXXX XXXXXXXX XXXX rejected the funds and they have not left the country. No one knows where my money is or is actually find a solution to return my funds. It is either fraud or incredible mismanagement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Subject : Complaint Regarding Improper Sale of Debt and Unauthorized Exposure of Personal Information To Whom It May Concern, I am submitting this complaint to report improper handling of my personal and financial information by Exeter Finance and a subsequent debt collection agency.

Exeter Finance sold my debt, which I believe should have already been fully resolved due to a prior settlement agreement, gap insurance, and warranties related to my vehicle account. Despite this, my information was apparently transferred or sold to a third-party debt collector.

Recently, I discovered that this debt collector exposed my private information online without my knowledge or consent. I was never notified that my personal dataincluding my name and addresseswould be shared publicly or posted on any data exposure site. This appears to be a serious violation of my privacy rights and may also constitute a breach of the Fair Debt Collection Practices Act ( FDCPA ) and Georgias data protection requirements.

I am requesting that your office investigate : 1. Whether Exeter Finance improperly sold or transferred my debt after it had been settled ; 2. Whether the debt collector violated federal or state laws by disclosing or exposing my personal information online without authorization ; and 3. Whether I am entitled to any remedies or further protections under applicable laws.

Please contact me if additional details or documentation are needed. I would appreciate written confirmation that my complaint has been received and that this matter is being reviewed.

Thank you for your time and assistance in protecting my consumer and privacy rights. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion LLC Consumer Dispute CentXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Formal Demand for Validation and Investigation Results- Account XXXX XXXX XXXX XXXX XXXX XXXX  Debt Collector Name and Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : Debt Validation and Cease of Collection Activities Pending Verification To Whom It May Concern, This correspondence constitutes a formal demand for debt validation and investigative disclosure pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 
You are hereby required to produce complete and verifiable documentation substantiating your legal right to collect the alleged debt referenced above, including but not limited to proof of Ownership and Assignment : A complete chain of custody or assignment demonstrates lawful transfer of this debt, from the original creditor to your agency. Executed Contract : A true and complete copy of any signed agreement or contract bearing my signature, establishing my legal obligation to the alleged debt. Detailed Accounting : A comprehensive itemization of all debits, credits, interest, and fees claimed to be owed. Licensing Verification : Proof that your agency is duly licensed and authorized to collect debts in my state of residence.

Pursuant to 15 U.S.C. 1692g ( b ), all collection activity must cease immediately until you furnish the documentation required for proper validation. Any attempt to collect, report, or communicate this debt to third parties in the absence of validation shall constitute a willful violation of federal law and may result in civil liability under both the FDCPA and FCRA. 
Should you fail to provide full verification within XXXX calendar days of receipt of this notice, you are expected to : Permanently cease all collection efforts, remove any negative reporting from all consumer reporting agencies, and Refrain from any further contact except to confirm cessation. 
This notice does not constitute an acknowledgment of the alleged debt, not a waiver of any of my rights under federal or state law. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX 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 2025-11-02 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: TN

Complaint narrative:
US Bank ( U.S. Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXX - usbank.com ) services my mortgage and maintains my escrow account. 

I just now ( XX/XX/XXXX ) found out from the county that US Bank has not been paying property taxes on 3 of the 4 lots included with the property - the taxes were due XXXX XXXX, XXXX. 

Their website even denied me the ability to create an appointment to have the issue addressed, saying that no appointments were available to be scheduled even through the end of XX/XX/XXXX. 

This has led to me paying delinquent taxes including interest and processing fees, when they should have paid these on time themselves.

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 monetary relief
Consumer complaint received 2025-11-03 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX Email : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Identity Theft Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c-2 ( a ) To Whom It May Concern : I am a victim of identity theft/data breaches, and fraudulent tradelines and inquiries have appeared on my credit file. Pursuant to 15 U.S.C. 1681c-2 ( a ), I request that your agency block the reporting of, and delete from my file, all information I identify as resulting from identity theft. The FCRA requires a consumer reporting agency to block such information no later than four ( 4 ) business days after receiving : ( 1 ) proof of my identity, ( 2 ) an Identity Theft Report, and ( 3 ) identification of the information to be blocked.

Data Breaches Notice ( context for heightened risk ) : XXXX  data breach ( widely reported ). 
XXXX data breach ( reported date : XX/XX/XXXX ). 
XXXX ( XXXXXXXX XXXX affiliates ). 
XXXX XXXX XXXX. 
XXXX. 
XXXX. 
XXXXXXXX XXXX XXXX XXXX. 

Please block and delete the following items from my Experian credit file and any associated subfiles : - XXXX XXXX XXXX Acct XXXX XXXX XXXX Acct... * XXXX {$20000.00} - XXXX XXXX XXXXcct ... XXXX {$870.00} - XXXX XXXXXXXX Acct ... XXXX {$260.00} - XXXX XXXX Acct ... XXXX Amount : Unknown - XXXX XXXX XXXX XXXX Acct ... XXXX {$16000.00} - XXXX XXXX XXXX XXXX Acct ... XXXX {$2000.00} - XXXX XXXX XXXX XXXX Acct ... XXXX {$1100.00} - XXXX XXXX XXXX Acct XXXX No amount listed - XXXX XXXX  XXXX Acct XXXX No amount listed Inquiries to remove ( identity theft ) : - 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 XXXXXXXX XXXX XX/XX/XXXX Please suppress any internal or resold reporting of the above items and provide written confirmation when the block/deletion is completed, including an updated copy of my credit file. 

Enclosures ( per 15 U.S.C. 1681c-2 ( a ) ) : Copy of government-issued ID and proof of current address. 
Identity Theft Report ( FTC XXXX ). 
Copy of this itemized list and any supporting documents ( e.g., creditor letters ). 

Additional protections requested : Place ( or confirm ) an initial fraud alert on my file.

Provide instructions for a security freeze ; if this letter and enclosures suffice, please apply a freeze and confirm by mail/email. 

Thank you for your prompt attention. 

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 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a formal FCRA 609 and 611 dispute to TransUnion regarding a XXXX XXXX XXXX  ( XXXX XXXX. XXXX ) that appears on my credit report. 

The U.S. Bankruptcy Courts do not report consumer information to credit bureaus, and the data TransUnion is displaying was obtained from third-party sources such as PACER or XXXX, which can not verify the accuracy of consumer data under the Fair Credit Reporting Act. 

Under FCRA 607 ( b ) and 611 ( a ) ( 5 ), TransUnion is required to ensure maximum possible accuracy and to delete unverifiable or incomplete information. I have also submitted an official FTC Identity Theft Report as supporting evidence. 

I am requesting the CFPB to investigate because TransUnion has failed to identify the original furnisher or provide verifiable documentation proving that the bankruptcy information is accurate, complete, and legally reportable.

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 2025-11-02 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am filing this complaint against Ally Financial for inaccurate and misleading credit reporting in violation of the Fair Credit Reporting Act ( FCRA ) and, if applicable, the Fair Debt Collection Practices Act ( FDCPA ). 

My credit report shows XXXX conflicting tradelines that both appear to originate from the same Ally Financial auto loan. XXXX entry reports the account as Closed with a {$0.00} balance and 94 % on-time payments, while another entry reports the same account as Derogatory / Repossession with the remark Paid repossession Dispute resolved, subscriber disagrees. 

These entries can not both be accurate. The first shows that the obligation was fully paid and closed as of XX/XX/year>, yet the second continues to display a derogatory status and a repossession remark after the loan was satisfied. The account also reflects a worst payment status : 3059 days late even though no balance remains. 

Under FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ), furnishers must ensure that the information they report is complete and accurate. Reporting contradictory informationshowing an account as both paid/closed and derogatory/repossessionis materially misleading and violates these statutory duties.

Further, the notations Dispute resolved subscriber disagrees suggest that Ally previously verified the account despite the discrepancies. If Ally completed a reinvestigation, it was done without correcting or reconciling the conflicting data, violating FCRA 611 ( a ) ( 5 ). Once a dispute is resolved, the furnisher must either correct the record or continue to reflect that the consumer disputes the information ; removing the dispute flag without correcting the inaccuracy violates federal law.

If a third-party agent or recovery company is furnishing the Paid Repossession entry, this may also violate FDCPA 807 ( 2 ) ( A ), which prohibits misrepresenting the character or legal status of a debt. The debt was paid and closed, yet it is still being portrayed as a derogatory repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, GA XXXX Date of Birth : XX/XX/XXXX SSN ( XXXX ) Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX, PA XXXX Subject : Request for Removal of Unauthorized Hard Inquiries FCRA 604 ( a ) ( 2 ) & I am writing to dispute several hard inquiries that appear on my credit report, which I did not authorize. Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 2 ), no company or individual may access a consumers credit file without a permissible purpose or written authorization. 

After carefully reviewing my credit report from IdentityIQ ( Reference # XXXX, Report Date : XX/XX/XXXX ), I identified the following inquiries that were not authorized by me and have no permissible purpose : XXXX. XXXX XXXXXXXX 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 XXXX XXXX I have no active credit applications or existing accounts with these companies that would justify these inquiries. Therefore, they appear to be unauthorized and potentially fraudulent.

In accordance with FCRA 611, I am requesting that your office : 1. Conduct a full reinvestigation of each inquiry listed above.

2. Delete any inquiry that can not be verified as authorized by me.

3. Provide a written statement identifying the companies that accessed my report, the permissible purpose cited, and the verification method used.

Enclosed are copies of my government-issued ID and proof of address to verify my identity. Please complete your investigation within the 30-day period required by law and send me a written summary of your findings along with an updated copy of my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 non-monetary relief