vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am filing this complaint regarding a late mortgage payment reported by Regions Bank for XX/XX/year>. I strongly believe this late payment was incorrectly reported due to a technical issue with Regions online payment system. 

I have been a Regions Bank mortgage customer for nearly XXXX  years and have never missed or been late on a payment prior to this incident. On or around XX/XX/year>, I logged into the Regions Mortgage online system using my phone and submitted my payment as I do every month. However, I did not receive the usual confirmation email. I later discovered that my email notifications had been XXXX without my knowledge, and it appears the payment attempt did not go through. 

The moment I was alerted by a credit bureau that the account had been reported late, I immediately made the payment and then paid the following months installment on time as well. At no point was there financial hardship, insufficient funds, or neglect on my part. 
I have contacted Regions Bank multiple times regarding this matter, but they have denied my requests and will not remove the delinquency. I am requesting that the Consumer Financial Protection Bureau investigate this issue, as I believe the late payment was reported in error. 

This single late mark has caused severe harm to my XXXX XXXX despite my long history of responsible payments with Regions and other creditors. I am requesting that the CFPB ensure Regions corrects this error and removes the XX/XX/year> delinquency from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within XXXX ( XXXX ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing this complaint because I am being pursued for debt collection accounts that do not belong to me. Several years ago, I was the victim of identity theft, and as a result, fraudulent accounts were opened in my name without my knowledge or authorization. These accounts have since been reported to debt XXXX, who are now attempting to collect on balances that I did not incur and do not owe. I have disputed these debts directly with the XXXX and the credit bureaus, making clear that XXXX am not responsible for them. Despite my disputes and the fact that these debts stem from identity theft, collection activity has continued, causing harm to my credit, financial stability, and peace of mind. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that these fraudulent debts are removed, and that the XXXX cease all further collection efforts against me. I can provide supporting documentation, including my prior identity theft report, correspondence with XXXX, and evidence of my disputes, to verify that XXXX am not liable for these accounts.

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 2025-09-29 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:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-09-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sezzle Inc.
State: FL

Complaint narrative:
I used XXXX XXXX for a XXXX XXXX purchase totaling {$150.00}. At checkout, Sezzle displayed XXXX installments of {$39.00} ( total {$150.00} ). 

What was charged vs. what was authorized XX/XX/XXXX {$39.00} ( correct, first installment ) XX/XX/XXXX {$41.00} ( unauthorized + {$1.00} ) XX/XX/XXXX {$41.00} ( unauthorized + {$1.00} ) Next due XX/XX/XXXX should be {$39.00}, not {$41.00}. 

Sezzle support later claimed these {$1.00} add-ons were a XXXX XXXX XXXX because my XXXX payment failed and they charged my debit card instead. That is not accurate. 
I have bank ACH autopay set as the default and sufficient funds were available. 
My bank shows the debits were initiated on the due date ; the posting date is the next day due to normal XXXX settlement timing ( e.g., XX/XX/XXXX due, posts XX/XX/XXXX ). That is a standard bank process and does not mean the payment was late or failed. 
Sezzle did not disclose any per-installment fee at checkout, and instead inflated the installment amount from {$39.00} to $ XXXX the fee difficult to detect. 

This practice resulted in undisclosed overcharges and constitutes charging more than the authorized installment amount. Its also misleading to label an on-time ACH debit as late due to ordinary settlement timing. 

What I requested from the company I asked why installments were increased to {$41.00}, why a {$1.00} fee was added when I paid on time via XXXX, and to refund the differences and correct future installments. The explanation provided ( ACH failure/debit card used ) conflicts with my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: MA

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 2025-09-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management
State: TN

Complaint narrative:
Received a debt collection letter from XXXX XXXX XXXX stating that XXXX XXXX XXXX was a client of them and they would be collecting the debt. I immediately wrote back and requested proof of ownership as well as proof of amount through the original contracts via mail ( XX/XX/XXXX ) and via email on XX/XX/XXXX, both accepted methods on the notification letter. After waiting over XXXX weeks and not receiving the requested documentation, I reached out to XXXX XXXX XXXX, the hired group by XXXX  XXXX, to request a status update on the dispute. I was told that reaching out directly to XXXX  XXXX would receive a faster response ; however, while on the phone with XXXX XXXX XXXX, the representative XXXX still tried to collect the amount supposedly owed while the account was in dispute, letting me know he could take a payment over the phone. The amount he offered over the phone differed with the amount they have in writing on the website by a higher amount. He also told me I had logged into the website and could pay there. Both collection attempts were in blatant disregard for the FDCPA. I have since reached out to XXXX  XXXX directly and not heard back, regarding the validation documentation or the fact the company they have hired to handle their debts collects in an illegal manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I am a senior homeowner filing this complaint against XXXX Portfolio Servicing ( SPS ) for elder financial abuse, threats, and deception : On XX/XX/year>, I mailed a certified mortgage payment, received by SPS  on XX/XX/XXXX, SPS deliberately delayed posting until XX/XX/XXXX, the very last day of the grace period, This appears retaliatory because I had already filed a CFPB complaint ( XXXX XXXXXXXX ). 
Despite my full payment, SPS sent me threatening letters falsely claiming delinquency and warning of foreclosure. This is harassment and abuse against an elderly homeowner. 
SPS also wrongfully charged me for " lender-placed insurance '' even though I had valid coverage. On XX/XX/XXXX. XXXX, in a call with SPS representative XXXX, SPS admitted their error. They confirmed my correct monthly payment is {$2600.00} ( not {$3100.00} ) and promised me a refund of {$1000.00}. Instead, I only received {$120.00} SPS is withholding the rest of the money they owe me. 
This is a pattern of nisconduct : false late charges, threatenig foreclosure, forced insurance, and deceptive refunds. SPS is abusing elderly homeowners and profiting through intimidation I demand that SPS return the full {$1000.00} refund owed, remove all late fees and false delinquency claims, and that regulators investigate SPS for elder financial abuse and systemic misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: Experian Information Solutions 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 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 XXXX 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 2025-09-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TekCollect Inc.
State: NC

Complaint narrative:
I had ordered dental invisible aligners from a company previously known as XXXX on XX/XX/XXXX under a payment plan. The full sales price being {$2700.00}, requiring me to pay a monthly payment of {$88.00} for XXXX  months. I had received the aligners on XX/XX/XXXX. According to their policy agreement, if a customer is not satisfied with their services within the first XXXX  days of receiving their product, they are able to return their aligners for a full refund. To fulfill this, on XX/XX/XXXX I emailed XXXX because I was dissatisfied with my aligners and wanted to return them for a refund, in the meantime I learned that XXXX had suddenly declared bankruptcy and went out of business. The company was not allowing me to return the aligners, and left no further information on the matter other than to wait and see what solution they come up with, but also that I was legally required to continue making payments on the payment plan. Since the company went out of business and I was unable to return my product, the services were not rendered, causing the contract to be void, so I did not make any further payments. I was not given any further information on the matter after this point. XXXX then made an attempt to charge my last card that I had on file without my consent, on XX/XX/XXXX. I filed a dispute with my bank about this and my bank refunded me the funds promptly. On XX/XX/XXXX I received a letter from a debt collection company called XXXX, claiming I owed a debt to XXXX for {$2300.00}. I promptly called the company and disputed the debt, but the dispute was denied. Then, I requested proof of this debt and they mailed me a copy of the financial agreement, which is no longer valid because the company is bankrupt and no longer exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX XXXX  credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-29 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC

Complaint narrative:
On or around XX/XX/year>, a local sheriff bought out judgement papers from XXXX XXXX XXXX XXXX XXXX. Their attorneys, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX issued a judgement in XXXX of this year. This is from an automobile debt of XXXX. I could not respond to this paperwork because I was involved in an automobile accident on XX/XX/year> to which I was not at fault. I suffered a XXXX XXXX XXXX and a concussion that affects my memory and speech. The attorney who signed the document was telling me, I have about XXXX  days to respond. On XX/XX/XXXX I emailed XXXX XXXX these words : This is XXXX XXXX XXXX. I am emailing you about the account I had with XXXX XXXX XXXX XXXX XXXX. I was involved in a very bad vehicle accident, which was not my fault, and I am currently receiving medical treatment from the XXXX  and local hospital for XXXX XXXX XXXX. I can not fully XXXX  or XXXX  XXXX  and I am on various medications. Please allow me some time and I will pay down/off this balance when I recover fully, thanks He never responded so I kept calling. and He never returned my calls or emails. So he went ahead and put a judgement against me and now there is a XXXX dollar XXXX on my property. to which I will contact my state congressman as soon as I can and dispute this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

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. 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 inaccurateXXXX XXXX XXXX XXXX XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the accounts below be removed immediately : Please provide a XXXX  as you are stating this account has been reported as a loss and written off. XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX If you can not provide a XXXX then please delete immediately. Please provide your method of validation on how you're verifying this account as accurate when you're reporting a past due amount on an account that has been closed and written off. XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  If you can not provide your method of validation, then please delete immediately. Please provide your method of validation on how you're verifying this account as accurate when you're reporting a past due amount on an account that has been closed and written off. XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX If you can not provide your method of validation, then please delete immediately. I have an agreement with the original creditor to delete this account once it was paid and that has not happened. XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please delete immediately as per my agreement with original creditor. Please provide a XXXX as you are stating this account has been reported as a loss and written off yet still reporting a balance. XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  If unable to provide a XXXX then please delete immediately. I have an agreement with the original creditor to delete this account once it was paid and that has not happened. XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Please delete immediately as per my agreement with original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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:
Items are inaccurate and incorrect and should not be reporting to my credit report.

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