vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA.

Legal Precedent : 1.Parker v. Time Warner Entertainment Co. L.P. , 331 F.3d 13 ( 2d Cir. 2003 ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process.

2.Sarver v. Experian Information Solutions , Inc. , 390 F.3d 969 ( 7th Cir. 2004 ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report.

3.Henson v. Santander Consumer USA , Inc. , 2017 U.S. Dist . LEXIS 191143 ( E.D. Va. 2017 ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I received a refund check from state of nj for reimbursement of prescription copays. I received my check on Saturday XX/XX/XXXX by mobile deposit. I had a current balance in my account if {$2700.00}. Wells Fargo accepted mobile deposit and I received credit if {$400.00} on check and the rest was to hit account on XX/XX/XXXX. After XXXX hours I received an email stating that account was to close in XX/XX/XXXX due to deposit of fraudulent check/ altered item being deposited to my account. I could not reach Wells Fargo that day because it was a weekend so I had to wait until Monday XX/XX/XXXX to contact their loss prevention department. At XXXX! am I spoke to loss prevention and was advised that my account was closing because of the mobile deposit in XX/XX/XXXX. I explained this was a state check why is there a problem. I was advised that logo was not what they were use to. I stated their job is to verify my check to call maker. Gave them all information pertaining to this item. Put me in hold XXXX minutes said they tried to contact maker however there wait time to hold exceeded XXXX minutes and their policy does not allow them to hold longer than XXXX mins. I was offered to call back loss prevention later that day give new support member same info and they would try to contact maker again. 
I told them there job is to confirm their accusation and its their job to contact and wait as long as given to clarify deposit. Told me to go to state get a letter if verification get it notarized and then send to bank. 
I explained again thats not my job. By the time I did that my account would be closed and I would have no account to have my social security direct deposit to go. All bills would be rejected I would have no money because of their accusation I requested to speak with manager. She advised there is nothing they could do until check is processed. I told her thats fine process item but you are only giving me XXXX weeks to get a new account because you are closing my Wells Fargo account XXXX. Check would finish processing in XX/XX/XXXX. That is almost 10 days to confirm state check. They will no longer accept deposits on my account. All of my deposits are direct which I live off of Social Security and Pensions I then had to open a new account at another financial institution and set up all new direct deposits however social security advised I can only change my financial institution online and it would not take effect until XX/XX/XXXX. This leaves XXXX  social security direct deposit in limbo and nowhere to go. I called Wells Fargo back and they said there was nothing they could do. On XX/XX/XXXX I checked my account and found that they removed this deposit which has now put my account in the negative of over {$500.00}

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 2025-04-08 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:
After thoroughly reviewing my credit report, I found multiple inaccuracies regarding late payments reported on an account where the information does not accurately reflect my payment history. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), consumer reporting agencies are legally required to maintain maximum possible accuracy, and any failure to do so is a direct violation of federal law. 

The account in question, [ XXXX ], [ Account # XXXX ], is inaccurately reporting late payment for XX/XX/year>. However, upon review, I have not been provided with any verifiable proof that these delinquencies were reported correctly or in full compliance with the FCRA. If a data furnisher is reporting negative marks to my credit file, it is their legal responsibility to ensure the information is 100 % accurate, fully validated, and not misleading in any way. 

15 USC 1666B states that a creditor can not report a late payment to any credit reporting agency if the payment is received within 30 days of the due date, provided the billing error notice is given within 60 days of the statement date showing the error. I believe that the reported late payments on my account fall within this protected period and should not have been reported to the credit bureaus.

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 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Midland Credit Management INC, have harassed me through no prevail. Now theyre trying to sue me for a debt that both them and another collections agency have. How can XXXX companies have the same debt and trying to sue me for them. Its ludicrous. They brought this debt from a charge of account from over XXXX years ago and they are still trying to get paid. They called me all day long even after I told them to stop calling me. I no longer want to received any calls from them. I asked them for the information in regards to this debt of which I have not received as of this date. Now theyre trying to take me to court for this matter. I still cant believe XXXX debt companies with the same exact account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BTH Management
State: TN

Complaint narrative:
I was contacted by this collection company about a debt that I am not aware of and do not owe. I sent a dispute letter asking for it to be verified that I do, in fact, owe this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no XXXX  party involved. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I want my credit report to only reflect accurate information, which is why its important that you verify the accuracy of this data rather than relying solely on what the data furnisher has provided. I'm deeply concerned about the errors on my credit report and these mistakes are causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never known, nor authorized or benefited from. This situation is unfair. It is stressing me out and making me anxious. Hope you can address this soon to prevent further damage, please.

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 2025-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CrossCountry Mortgage LLC
State: IN

Complaint narrative:
They are already defaulting me and I posted XXXX payment late and XXXX didnt show up it was due until the third and I thought they might have done the forebearance on my loan since nothing was showing up but they posted 2 days late that my payment was due for XXXX and my XXXX payment I posted late but now they have me in default even though XXXX considered late until after the XXXX they are already trying to get me in default its bad enough that theyre paid for appraiser under valued my home Ive had nothing but problems from this company and they need thouroughly investigated on their practices on how they get loans ran through now im facing possible foreclosure due to the fact they didnt offer me forebearance on my loan they just lowered it {$31.00} how is that affordable they are crooks I just dont want to lose my home to this company theyre appraisal process also needs reviewed also is he under values homes as well

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-08 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: GA

Complaint narrative:
Over the past year in a half I have a debt on my credit profile. When I reached out to the debtor they agreed to pay to delete. I paid the balance they have failed to delete it from my credit profile like they said. They have taken my money and placed a note on my credit profile stating Consumer disputes this account information Collection account with the status of Paid. They did not delete it from my profile like they said which was monitored and recorded on a recorded line. I ask that you guys investigate this and make sure they remove this from my credit profile. I'm seeking litagation from this plus stress and more. Please resolve this. This is a major violation and violating my rights under XXXX XXXX XXXX XXXX. Please remove. The debtor name is ( XXXX XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: WA

Complaint narrative:
On XX/XX/year>, I received a phone call from a woman named XXXX XXXX, who claimed to be a recruiter hiring for a remote executive assistant position. She said she found my information through a job board and that her client a small business owner needed someone to help with scheduling, inbox management, and online admin tasks. 

XXXX sounded very professional and walked me through what felt like a legitimate interview process. She said I was selected for the position and that Id be receiving a laptop, work phone, and onboarding documents by mail. 

She then said that before any equipment could be sent, I needed to submit a refundable deposit to show I was serious about the job. She explained that too many people had ghosted after accepting the position, and this was their way of filtering committed hires. 

I was told to send {$300.00} via Cash App directly to her her name on the account was also XXXX XXXX. Later the same day, she called again and claimed there was a processing issue and that I needed to send an additional {$200.00} to complete the order. I did. 

She told me shed call back later that day to walk me through onboarding and send over login credentials. That call never came. Her number now goes straight to voicemail, and Ive received no equipment, contract, or email since then. 

Amount lost : {$500.00} ( sent in XXXX transactions : {$300.00} and {$200.00} ) Payment method : Cash App Recipient name : XXXX XXXX Contact method : Phone call only no texts or emails Actions taken : Reported to Cash App, flagged the phone number My CashApp account : $ XXXX XXXX XXXX account : $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: AL

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 XXXX 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 id-entity 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 : XXXX XXXX, 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 XXXX XXXX. XXXX ( a ) ( XXXX ) ( 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. 

XXXX XXXX XXXX XXXX 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. 
XXXX XXXX XXXX $ XXXX 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 XXXX business days after the date of receipt. 



XXXX XXXX Code XXXX 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 2025-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am writing to file a formal complaint against TD Banks Underwriter Branch Address : XXXX XXXX XXXX, XXXX, New York XXXX, for a false and misleading denial of credit in violation of the Equal Credit Opportunity Act ( ECOA ), 15 USC 1691. 
On [ XXXX XXXX of XXXX  ], I visited the aforementioned branch and requested to apply for a bank home loan in the amount of {>= $1,000,000} ( XXXX XXXX XXXX XXXX XXXX Dollars ) under Federal Statute XXXX XXXX XXXX. I met with XXXX XXXX XXXX XXXX were I provided him my account information, that he submitted to underwriters department. 
This denial is in direct contravention of the ECOA, which prohibits creditors from discriminating against applicants based on certain characteristics. Furthermore, banking officers have a duty to comply with federal law and regulatory requirements, as outlined in 433.3 and the FDIC Statement Concerning the Responsibilities of Bank Directors and Officers. 
Which have obligations to discharge duties owed to their institution and to the shareholders and creditors of their institutions, and to comply with federal and state statutes, rules and regulations. Establishing and monitoring adherence to policies and procedures required by statute, regulation, and principles of safety and soundness ; and for making business decisions on the basis of fully informed and meaningful deliberation. 
Moreover, the Uniform Commercial Code ( UCC ) 4-103 and 4-202 also support my position, as they define the responsibilities of banks and their liability for wrongful dishonor. 
I respectfully require that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that TD Bank complies with federal law and regulatory requirements. 
Please find attached all relevant documentation supporting my claim. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sequium Asset Solutions, LLC
State: MO

Complaint narrative:
XXXX and XXXX and XXXX are saying it's valid but it's not because it's a XXXX party debt that I have no contract with and I sent the company an email telling them to stop so I want to get paid for breaking the law and falsely allowing things to be placed on my report without my permission and it need to be taken off my report now Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( b )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: LA

Complaint narrative:
XXXX is reporting on my credit report as a CAR LEASE. This is incorrect information and it's preventing me from getting approved for car loans. This account is for wheels. I have tried to reach out to the company to correct this error and they refuse. It is against the law to knowingly report false incorrect information on someone's credit report. I would like this account to be removed for reporting false and incorrect information.

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