vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: DC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a PDF document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-19 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: NJ

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX - I sent a wire transfer of XXXX dollars from my Bank of America XXXX account to my Aunt 's XXXX XXXX checking account. I called them and verified that it was me since they called me before saying they suspect that it's fraud but they said they resolved it towards the end of the phone call. My online banking was still not working so they told me that I should call again the next day. 
XX/XX/XXXX - I called at XXXX PST and the person I was talking to said that I should be able to log into my account now and she will process the Wire transfer. I was able to log into my account and I saw that the wire transfer was processing. But around XXXX, I tried logging in again, and it told me that there was no account found. So I called Bank of America and they told me that both my checking and savings account we're closed and they would not give me a reason why they closed it and only stated that it's a " business decision. '' I asked them when or how will I receive my remaining balance since it's a huge amount and that is basically what I use to pay for my college tuition. They told me to call them back XXXX XXXXXX/XX/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 monetary relief
Consumer complaint received 2025-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this third complaint against TransUnion due to its ongoing, willful refusal to remove fraudulent accounts and hard inquiries from my credit report, despite multiple identity theft submissions and CFPB intervention. 

Fraudulent Items Still Present on My TransUnion Credit Report ( as of today ) : Fraudulent Accounts : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items are still on my credit report, in clear violation of the FCRA, which mandates that fraudulent information be blocked within XXXX business days after receiving a valid identity theft report. 



Timeline of Noncompliance : XX/XX/XXXX : Initial CFPB complaint and delivery of my full FTC Identity Theft Report ( # XXXX ) and supporting documents to TransUnion. 
XX/XX/XXXX : XXXX confirms first delivery ( Tracking # XXXX ) to XXXX XXXX, PA location. 
XX/XX/XXXX : Second CFPB complaint submitted. TransUnion confirmed account deletion by phone ( XXXX XXXX, XXXX # XXXX ) and sent a corrected report. 
XX/XX/XXXX : XXXX XXXX delivery confirmed ( Tracking # XXXX ) with full identity theft documentation resent. 
XXXX XXXX : I spoke with multiple representatives, XXXX XXXX XXXX, who contradicted prior updates and claimed disputes were still pending. 

Despite two confirmed CFPB complaints, two XXXX XXXXeliveries, and documented phone confirmations, TransUnion has : Failed to remove the fraudulent accounts and inquiries. 
Ignored the 4-day legal timeframe under FCRA Section 605B. 
Repeatedly misrepresented the dispute process. 
Disconnected phone calls, refused assistance, and provided conflicting 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
Consumer complaint received 2025-06-19 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: SC

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

NEGATIVE ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: PA

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts reporting to my credit report. These reports have been very detrimental to my life and credit health.

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 2025-06-19 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: CA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report 4 fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a revolving account opened at XXXX on XX/XX/XXXX under the XXXX, another revolving account opened at XXXX on XX/XX/XXXX under the XXXX, the last revolving account opened at XXXX on XX/XX/XXXX under XXXX, The last account is an installment account opened at XXXX XXXX XXXX on XX/XX/XXXX under XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
All accounts above, collections, late payments, and charge-offs result from 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-06-19 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: MA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/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 2025-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Stewart Information Services
State: GA

Complaint narrative:
I'd like to express my dissatisfaction at the handling of this closing and untimely delivery of the incorrect settlement statement. I have literally been emailing my team for the past week requesting information regarding the amounts needed for closing. Finally, I was given a rough estimate. However upon receiving the settlement statement THIS morning, the morning of my closing, it was incorrect as it listed the incorrect payoff balance. Upon bringing this to the attention of my team, I was then contacted by the attorney saying that they informed her to just have me sign the incorrect settlement statement and that they would correct or merge it later. Of course, I refused to sign at which time, I was later contacted by her saying that they told her to just have me sign all of the documents except for the settlement statement. During this time, absolutely no one from Stewart Title or XXXX reached out to me via phone to discuss what was going on. Stewart Title later contacted me and provided an updated settlement statement nearly 30 minutes prior to my scheduled signing time stating that she prepared the statement collecting more interest for a few days. I then communicated to her that I would NOT be responsible for any additional interest incurred as a result of XXXX and Stewart Title 's handling of this transaction. Additionally I was not provided with a clear amount on closing costs nor a loan estimate of everything included.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
To Whom It May Concern : This letter constitutes a formal demand pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ) that Waypoint Resource Group immediately cease and desist all communication with me regarding the above-referenced alleged debt. 

This demand covers all forms of communication, including but not limited to phone calls, voicemails, emails, texts, mailed correspondence, or third-party contact. Any further communicationexcept as specifically permitted by federal lawwill be considered a violation of my rights under the FDCPA. 

Legal Authority & Case Law Support 15 U.S.C. 1692c ( c ) Upon written request from a consumer, a debt collector must cease all communication, except to notify the consumer of one of two things : that collection efforts are ending, or that the collector intends to take a specific legal action. 


XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Clarified that all debt collectors, including attorneys, are subject to the FDCPAs communication restrictions. 


XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Held that debt collectors are strictly liable for violations of the FDCPA, regardless of intent or legal misunderstanding. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Reiterated that XXXX must avoid practices that could confuse or mislead the least sophisticated consumer. 


XXXX v. NCO XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXXXXXX ) Found that voicemails attempting to collect a debt, even indirectly, can violate the FDCPA following a cease-and-desist request. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) Held that ignoring a proper cease and desist notice may result in the collector being liable for statutory and actual damages. 



Legal Consequences of Noncompliance Should Waypoint Resource Group continue to contact me after receipt of this letterexcept for the narrow reasons allowed under 15 U.S.C. 1692c ( c ) you will be in direct violation of federal law. I will not hesitate to exercise my right to pursue : Statutory damages up to {$1000.00} per violation Actual damages for any emotional distress or harassment Attorneys fees and court costs as permitted under 15 U.S.C. 1692k. 


Please provide written confirmation within 15 calendar days that all communication has ceased and that you will comply with this demand.

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 2025-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CMG Financial Services, Inc.
State: TX

Complaint narrative:
Closed on a property with CMG Mortgage on XX/XX/XXXX. Received a letter from a company called XXXX that they are servicing our loan on XX/XX/XXXX effective XX/XX/XXXX. Called CMG and they said thats not true. 

Paid CMG my mortgage payments for XXXX and XX/XX/XXXX on time. On XX/XX/XXXX, I start getting collections calls from XXXX. CMG mortgage DID send my mortgage to be sub-serviced by XXXX but one of them XXXX  up the paperwork. After two weeks of back and forth with CMG, they finally transferred over my two months of mortgage payments to XXXX on XX/XX/XXXX to be applied to XXXX and XXXX. 

As of XX/XX/XXXX, my XXXX, XXXX and XXXX mortgage payments ( all paid on time ) are in suspense at XXXX because they have unclear instructions on how to apply them to the principal, interest and escrow. 

On top of that, when CMG transferred the funds to XXXX, they REVERSED payments for XXXX and XXXX. So it looked like I never paid my mortgage and then they reported me delinquent to the credit bureaus on XX/XX/XXXX. I was told this was an error that should not have happened ( which is true because I paid my mortgage and I was within my 60 day RESPA period ) but I have received nothing in writing admitting fault nor outlining a game plan to fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Ive been battling this for years. Ive requested validation of debt with wet signatures and executed agreements and Ive advised them that I am uncomfortable discussing this via phone and to cease calling me until they provide me with the validation of debt that Ive requested for years. Theyve still called before XXXX in some instances, theyve called my employer phone number and on XX/XX/year>XXXX  Ive requested them to provide me with information and again advised I am uncomfortable discussing something that theyve not provided proof for. Cease calling and theyve still called and I have not received anything as of XX/XX/scrub>XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern : This is a formal notice under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ) that I demand Spring Oaks Capital , LLC immediately cease and desist all communication with me regarding the above-referenced alleged debt. 

This includes calls, letters, voicemails, emails, text messages, and all third-party communications. Any further attempt to contact me outside of the narrow exceptions allowed by law will be considered a willful violation of the FDCPA. 

Legal Authority and Supporting Case Law 15 U.S.C. 1692c ( c ) A debt collector must cease all communication with a consumer once a written cease-and-desist demand is received, except to notify the consumer of termination of collection or intent to invoke a specific legal remedy.

XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) The U.S. Supreme Court confirmed that even attorneys collecting debts are subject to the FDCPA. 


XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Held that debt collectors are strictly liable under the FDCPA and that a lack of knowledge or intent does not excuse violations. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Clarified that all collection actions are evaluated under the least sophisticated consumer standard, which prohibits misleading, coercive, or deceptive practices. 


XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXXXXXX ) Held that even voicemails left after a cease and desist request can violate the FDCPA if they attempt to collect the debt. 


XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) Found that failure to comply with a written cease-and-desist demand subjects the collector to liability for statutory and actual damages. 



Notice of Legal Liability If Spring Oaks Capital , LLC continues to contact me after the receipt of this noticeexcept as permitted by lawit will constitute a violation of federal law, and I will pursue all remedies available, including : Statutory damages up to {$1000.00} per violation, Actual damages, Attorneys fees and costs, under 15 U.S.C. 1692k.

Please confirm in writing within 15 calendar days of receiving this letter that all communication has ceased and that you will comply with this request going forward.

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 2025-06-19 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:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} CAPITAL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} CAPITAL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-06-19 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: FL

Complaint narrative:
To whom it may concern, I am writing to express my concern over the infringement of my consumer rights caused by the dissemination of inaccurate information. Fair treatment is my fundamental right as a consumer, and I kindly request a thorough explanation of the deficiencies in meeting accuracy and compliance obligations. 
Moreover, it is crucial to emphasize that I can not tolerate negative information, regardless of its certification. What truly matters to me is the verifiable truth regarding your company and the data associated with my credit profile. The lack of accuracy in the credit report I received is surprising, as it is expected that you adhere to the FCRA and applicable Metro 2 data field formatting standards. I hereby challenge you to provide a comprehensive, verified, complete, and truthful document that supports each claim made. Failure to adhere to these standards, as outlined in the XXXX XXXX, poses a severe risk to data integrity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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