vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IA

Complaint narrative:
XXXX, on XX/XX/year>, agreed to close down our XXXX XXXX account via phone. On the phone call, we asked to transfer over our last used number ( 3rd number ) to a new phone, so essentially there will not be any active service numbers left. 

Debt collector today informed us there is an additional ( XXXX ) number attached to the account. The account has a 4th number that we were not aware of. Apparently, XXXX opened a 4th number for us " for free '' when we opened the XXXX XXXX account. We do not have knowledge of this number, nor have used it through the entire term of our service. 

Today, debt collection agency for XXXX  claimed we owe them about {$420.00} in balance, including 3 months of XXXX XXXX XXXX service fee, nsf fee, closing fees and debt collection fees. We are aware that payments were stopped from XX/XX/year>, because we were told by phone our account is closed and done, as we have paid our full balance in XX/XX/year>. 

Debt collector offered a settlement of {$270.00}. I refused the offer because I do not believe we have to pay anymore since we closed down all three active service numbers by XXXX, which we have paid in full. The XXXX was erroneously " active '' as XXXX did not take proper action to close it, nor notify us of its existence, nor gave us a notice beforehand this number will cause our XXXX XXXX plan to stay active at about {$170.00} per month. 

I told the debt collection agency I wanted to dispute this case. He said he does not have the authority to do so. It is T-mobile that we should deal with. We have tried multiple times to contact T-mobile regarding our account and tried to find out where the XXXX number came from, but T-mobile agents weren't able to verify our full identity because we did not have the 6-digit pin associated with the account, and could not take actions to close it early. 

Since our account has been referred to debt collection, I will dispute this debt in CFPB, and will cite T-mobile conducting malpractice of : 1. Charging excess fees after agreeing to close customer account per request from customer 2. Reinstating fake service number starting with ( XXXX ) to keep account active without notice after agreeing to close down account with customer 3. Referring debt to debt collector without proper written notice via email or letter, without validating the amount of debt being owed with the customer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: MO

Complaint narrative:
I am writing to formally dispute the accuracy of my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under XXXX XXXX XXXX ( XXXX ) ( b ). My recent credit report indicates that there is a charge-off account However, it continues to show a past due balance. 

According to the Fair Credit Reporting Act, specifically XXXX XXXX XXXX ( XXXX ) ( b ), I have the right to dispute inaccurate information in my credit report, and the reporting agency is required to conduct a reasonable investigation into my claim. The entry on my credit report with the charge-off status should not reflect an outstanding balance as it implies that I owe money, which contradicts the interpretation of a charge-off. 

The account was charged off on [ date of charge-off ], and as such, I believe that the reported past due balance is misleading and inaccurate. A charge-off indicates that the creditor has deemed the debt uncollectible and has written it off, meaning that I should not have any further liability for this amount. 

I request that the Consumer Financial Protection Bureau investigate this matter and ensure that my credit report is corrected to reflect the accurate status of this account. I am enclosing copies of relevant documents, including my credit report, to support my dispute. 

Please let me know the outcome of your investigation and any actions taken regarding this matter. I appreciate your prompt attention to this issue and look forward to resolving it swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Serves as a formal follow-up to my previous dispute regarding inaccurate and unauthorized accounts being reported on my credit report. Despite multiple written notices and my clear explanation citing violations under the Fair Credit Reporting Act ( FCRA ), you have failed to provide any documented proof of the verification process you claim to have conducted, which directly contradicts your obligations under FCRA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Riverwalk Financial Corporation
State: FL

Complaint narrative:
XXXX XXXX XXXX contacted me today : XX/XX/XXXX. Saying they were going to take me to court and sue me for a debt from XXXX for a XXXX XXXX accord they repossessed. I did a walk away balance for said loan thru a subsidiary named XXXX XXXX in XXXX of XXXX, and it was paid off for {$1700.00}. They even took it off of my credit report now its almost been 7 years and they were trying to state I owed them money. I sent proof of the walk away balance, and they said theyd close the account ; however, it caused me stress, and I had to search for the documents.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
It appears that there are incorrect or unfamiliar name reflected in my file, and I would like to ensure that only accurate and verified information remains on my record. Please see the attached document for reference.

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 2025-05-12 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX INQUIRIES XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-12 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: ID

Complaint narrative:
XXXX XXXX close this account a long time ago. I plead XXXX funding for an account with XXXX XXXX so they decided to buy my already closed account with XXXX XXXX and try to collect on it. Accounts closed. Account was reported as closed. Account is not owed it is closed. closed account closed account closed account. This collection agency bought a closed account and now they are harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: AZ

Complaint narrative:
XXXX XXXX - Account number XXXX I have continuously reported this account as I am the victim of severe identity theft.I do not recognize How this account is reporting on my credit report. I do not recognize the account number. I do not recognize the account status. I do not recognize the account High balance Nor do I recognize the late payments being associated With it. This information is completely inaccurate and incorrect reporting and is hurting my ability to obtain credit for my family.Everything reported here does not MEET the FCRA.

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 2025-05-12 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: AZ

Complaint narrative:
XXXX XXXX - Account number XXXX I have continuously reported this account as I am the victim of severe identity theft.I do not recognize How this account is reporting on my credit report. I do not recognize the account number. I do not recognize the account status. I do not recognize the account High balance Nor do I recognize the late payments being associated With it. This information is completely inaccurate and incorrect reporting and is hurting my ability to obtain credit for my family.Everything reported here does not MEET the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
Issue : An auto insurance claim was incorrectly reported under my name by XXXX XXXX in XX/XX/year>. I was not involved in the accident, and in fact, I was outside of the country ( in XXXX ) during the time of the incident. Despite confirming I was not at fault, this claim appears on my LexisNexis XXXX report and is negatively affecting my ability to obtain fair insurance rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required XXXX notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: DE

Complaint narrative:
This is not my account I left XXXX in XX/XX/year> called XXXX  to cancel my services and moved to XXXX. They have proof of that. I stated services in XXXX  where I live in XX/XX/year> this is not my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: CA

Complaint narrative:
I am disputing two charge-off entries reported by XXXX  XXXX on my Experian credit report. The first account, XXXX * * * *, is dated XX/XX/XXXX, with a balance of {$1200.00}, while the second account, XXXX * * * *, is dated XX/XX/XXXX, with a balance of {$580.00}. These entries are inaccurate and potentially the result of a data breach, as I have not authorized the continued reporting of these accounts. Given the significant time that has passed since these accounts were allegedly charged off, they should have been removed or accurately updated in accordance with federal law. 

Under 15 U.S.C. 1681i and 15 U.S.C. 1681n, Experian is legally obligated to maintain accurate credit information and promptly remove or correct unverifiable data. Failing to ensure the accuracy of these charge-off entries is a direct violation of these requirements, reflecting a severe lapse in data management and verification. This negligence is unacceptable and must be corrected immediately.

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 2025-05-12 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX INQUIRIES XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
To whom it may concern, My original loan was with the XXXX XXXX XXXX  ( XXXX ). Last XXXX ( 2024 ), my loan was sold to Mr. Cooper by the XXXX and I have been paying my mortgage to Mr. Cooper for one year. 

Recently, I requested a pay off quote on the phone from Mr. Cooper 's customer service. They sent a pay off quote to me costing {$10.00}. I went to the XXXX XXXX  and showed the Wire Transfer Instruction on the pay off quote to staff in the XXXX XXXX. To my surprise, XXXX XXXX  seriously told me that they could not find the wire account number provided by Mr. Cooper and rejected to wire my pay off money to Mr. Cooper. Since Mr. Cooper 's wire account number provided on the pay off quote is also listed as one of accounts in the XXXX XXXX, the staff in the XXXX XXXX  highly suspected that this is a scam. 

I went home and called Mr. Cooper 's customer service several times to confirm the wire account. I also chat with their live virtual support to obtain the recorded evidence. The wire information I obtained from different customer service members pointed to the same wire account number as shown on the pay off quote. They said that in Mr. Cooper, each customer has an individual wire transfer account corresponding to their loan account. 

I went back to XXXX XXXX again and contacted XXXX 's wire department in their headquarter through XXXX 's manager. Again, they could not find it and think that this is a fraud and scam and rejected to wire my money. 

I contacted Mr. Cooper again. This is the sixth time. One customer service agent asked her manager and manager told us that the previous wire account number provided on the pay off quote was wrong and gave me another wire account number on the phone. I asked them to provide me a written document. but they rejected to do so. 

I went back to the XXXX XXXX. This time, XXXX XXXX  even suspected that this is a group scam. Now, I am worry about my past year 's payment. Has my paid mortgage in the past year really gone into the real Mr. Cooper company? has my calls to the Mr , Cooper 's customer service been really connected to the real Mr. Cooper? 

I contacted lawyer 's office. They said that they can only provide limited service. I contacted XXXX company. They said that they can only confirm that they transferred my loan to Mr. Cooper. So, I have to find Gov. agency to help because I also work in the Gov. hoping this might work.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In XX/XX/year> I was acquiring funding for a project I was working on. I received multiple options and selected XXXX financial companies. XXXX of the Loan company got in my bank account and disputed XXXX and XXXX months of mortgage payments that was already paid through auto payment. I contacted my bank right alway and informed them of what had happen and they iimmediately started their investigation and shut my account down. Doing that time, XXXX months of payment was returned to my bank account which cause a no payment for XXXX months. After the completion of the investigation my account was cleared and I returned all monies. My mortgage company was aware of the situation. I sent them the finding and a letter explaining everything that happen but they say there is nothing they can do. Every time I speak with them they say the goverment report it to the Bureau. Now it is on my credit report and I am trying to get it removed.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In XX/XX/year> I was acquiring funding for a project I was working on. I received multiple options and selected XXXX financial companies. XXXX of the Loan company got in my bank account and disputed XXXX and XXXX months of mortgage payments that was already paid through auto payment. I contacted my bank right alway and informed them of what had happen and they iimmediately started their investigation and shut my account down. Doing that time, XXXX months of payment was returned to my bank account which cause a no payment for XXXX months. After the completion of the investigation my account was cleared and I returned all monies. My mortgage company was aware of the situation. I sent them the finding and a letter explaining everything that happen but they say there is nothing they can do. Every time I speak with them they say the goverment report it to the Bureau. Now it is on my credit report and I am trying to get it removed.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In XX/XX/year> I was acquiring funding for a project I was working on. I received multiple options and selected XXXX financial companies. XXXX of the Loan company got in my bank account and disputed XXXX and XXXX months of mortgage payments that was already paid through auto payment. I contacted my bank right alway and informed them of what had happen and they iimmediately started their investigation and shut my account down. Doing that time, XXXX months of payment was returned to my bank account which cause a no payment for XXXX months. After the completion of the investigation my account was cleared and I returned all monies. My mortgage company was aware of the situation. I sent them the finding and a letter explaining everything that happen but they say there is nothing they can do. Every time I speak with them they say the goverment report it to the Bureau. Now it is on my credit report and I am trying to get it removed.

Company response to consumer: Closed with non-monetary relief