vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-07 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: NJ

Complaint narrative:
To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my credit report that should not be on there.

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX XXXX XXXX/2023 {$760.00} XXXX XXXX XXXX XXXX XXXX/2023 {$2400.00} The reporting of these accounts ( s ) is/are violation of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONSExcept as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

So, with that being said, with great power comes great responsibility. It's really up to you how you want to use this information. 


Best regards, 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 2025-04-07 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: NJ

Complaint narrative:
To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my credit report that should not be on there.

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX XXXX XXXX/2023 {$760.00} XXXX XXXX XXXX XXXX XXXX/2023 {$2400.00} The reporting of these accounts ( s ) is/are violation of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONSExcept as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

So, with that being said, with great power comes great responsibility. It's really up to you how you want to use this information. 


Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
Had XXXX XXXX XXXX XXXX XXXX XXXX XXXX, faxed in modification XX/XX/XXXX was denied refaxedXX/XX/XXXX see XXXX XXXX said never received!!!!! Am a Veteran, just received call XX/XX/XXXXfrom XXXX XXXX XXXX XXXX XXXX said would modfify loan! Correct application twice, im ok healty wise husband working XXXX XXXX  per letter send are multiple VA home retention options!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: IN

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX has yet to provide me with the validation of this debt. By referencing the entity that XXXX XXXX XXXX XXXX XXXX XXXX purchased this said unvalidated debt from. I have asked for formal validation of this said debt. By requesting the flow agreement, transfer assignment or ownership of said debt. Furthermore, this item was previously deleted as of XX/XX/year>2024 by this same debt collector after validation was not completed in the proper time frame.

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 2025-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pressler & Pressler, LLP
State: GA

Complaint narrative:
I received a letter in the mail on XXXX regarding representation for XXXX XXXX XXXX from Pressler, Felt, and Warshaw LLP regarding a Notide of Application for Wage Execution. I was notified of my Wage Garnishment my rights to object, reduce, and the amount that would be garnished. In XXXX 10 % of my pay began being garnished to pay back the debt. On XX/XX/XXXX, I spoke with the Court Officers office XXXX XXXX who provided me the remaining balance of the debt which was {$210.00}, I went onto the website for pressler, felt, and warshaw LLP & paid the balance in full and this payment posted on XX/XX/XXXX. I followed up with my employer and they informed me that even though I had a receipt of the payment, they could not stop the garnishment unless they received a stop order from the debt collector. I followed up with the court officer who confirmed that they did not receive any information from the attorneys office that the payment was made and to follow up with them to have them send this confirmation over so that she can send the stop order. I followed up with the attorneys office on XXXX and they told me that they would not be sending over the notice that the payment was made because they still show a balance reflecting because they have not received all funds from the court officer as of yet. I was informed that once they receive the funds form the court officer then there system will update as paid in full and they will notify the court officer. I followed up with the court officer who informed me that the attorneys office did confirm the payment was made but they told her there was an interest balance that was not paid and would need to be paid to close the garnishment. She stated that she asked them if they informed me of the interest that needed to be paid so that I know and they told her no. I do not have any record in any correspondence received regarding the garnishment that there is a balance of interest that will accrue after the judgement. As of XX/XX/XXXX the balance that is reflecting as owed for the debt was paid in full and my checks have continued to be garnished since then. On XXXX there was another {$160.00} garnished, and my check will be garnished again during the next pay cycle of XX/XX/XXXX. I spoke with the attorneys office again today, Monday XX/XX/XXXX and he said the information about interest is reflecting in the judgement order. When I asked the percentage and how this is determined/accrued he told me he didnt know. I sent a formal email of dispute to the company and also requested all collection efforts be paused until I receive this inforamtion

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/year>, I contacted the USBank concerning a fraud case. My computer was compromised by a scammer pretending to be XXXX XXXX. I called the bank to freeze all funds, but they allowed the funds to be released XXXX days later. My account was frozen even to me, but the money was given to the Scammers. I took my computer to the computer store and paid for a diagnostic test, and they found out that my computer was compromised. I went to the bank to recover the stolen funds, and they advised me to change my business account to a new one, but they sent a letter denying the claim. I contacted my attorney who wrote a letter to the bank in preparation for a lawsuit if possible. However, in the meantime, I received the login information, debit cards in the mail, but I can not see my online account. It has been three weeks now, and nobody can not solve this problem. This is the busiiest time of the year for my business, and I am unable to conduct business online. I have spoken to at least 10 people concerning this matter for three weeks straight even calling after work hours. I was hung up on many times, because of the incompentency concerning my case. This is the wrong time of the year to close my account with the USBank and to start a new business account elsewhere. I need to keep this account open for now. Please Help! and Please Reply!

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 2025-04-07 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: CA

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 

The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 

I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: Uprova Credit, LLC
State: OK

Complaint narrative:
When I took out this morning I was struggling to pay bills and needed it to pay bills. Little did I know the internet rate was over 300 % which is far more than what Oklahoma law allows. This loan is illegal and needs to be forgiven and written off

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 2025-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
This debt is not accurate. The amount agreed to with the original creditor was much less. I have tried to resolve this amount numerous times. when i was given an amount to gather by the time i was able to come up with the funds it was charged off. I don't feel the original creditor worked with me fairly. I was on an unfortunate hardship situation which led me to default on my debt. I never lost contact with the original creditor. I never received any communication from the now owner of the account. I received information via text and email on this account from the collection agency. The emails and text as well as the phone calls have been overwhelming causing health problems. I would like to resolve the account by all means unfortunately they are not much but I have made an afford and I don't feel the harassment is necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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 explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
The bank violated Reg CC by holding the check deposited in my XXXX without due cause. They held my check 30 minutes after depositing it because they said it would not clear the bank it was drawn on. Nothing was made available and now my account is overdrawn. This was a check from a title company and there was no reason it should have been held especially given my relationship with them.

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 2025-04-07 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: MA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-07 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: NY

Complaint narrative:
My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These false records are unfairly lowering my XXXX score and creating unnecessary financial roadblocks. I have always upheld my financial responsibilities, yet these errors persist. 

XXXX - Late Payment XXXX XXXX  - Account Number : XXXX - Past Due : {$0.00} XXXX - Account XXXX : XXXX - Past Due & Balance : {$0.00} Under the FCRA, all reported information must be accurate and verifiable. If these remarks can not be substantiated with original, signed documentation, they must be removed at once. I expect immediate corrective actionany further delay will be considered deliberate noncompliance.

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 2025-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on 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
Consumer complaint received 2025-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
Subject : Improper Escrow Charges and Failure to Honor Non-Escrow Agreement To whom it may concern, Nationstar Mortgage LLC d/b/a Mr. Cooper ( " Mr. Cooper '' ) is the current servicer of my mortgage loan. 
XXXX ID : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Loan Number : XXXX This loan has historically been set up without escrowI have always paid my property taxes and homeowners insurance directly, as agreed upon in the original loan documents. 

Since Mr. Cooper began servicing the loan approximately XXXX  years ago, it has improperly collected escrow payments, despite my repeated efforts to provide proof of active insurance coverage. I have called the XXXX number for Mr. Cooper and have spent close to XXXX hours with them on the phone to request my account be moved to non-escrow. Mr. Cooper refuses to honor the original loan documents. I received confirmation via email from Mr. Cooper acknowledging receipt of my insurance documentation and confirming that it was successfully submitted. Despite this, Mr. Cooper continues to collect escrow funds from me for insurance coverage that I already pay for independently. 

Furthermore, Mr. Cooper appears to be charging a higher amount than the actual cost of my existing insurance, creating a duplicate and inflated charge on my monthly mortgage statement. 

To summarize : My mortgage loan was contractually set up without escrow payments. 

I submitted proof of insurance, and Mr. Cooper acknowledged receipt. 

Despite this, Mr. Cooper has refused to return the loan to non-escrow status. 

Mr. Cooper continues to collect and charge for insurance coverage that I already maintain and pay for directly. 

The charges imposed by Mr. Cooper exceed the actual cost of my insurance policy. 

I am requesting an immediate investigation and correction of this error. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation