vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request proper resolution. 
Unauthorized inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: HW Holding, Inc
State: LA

Complaint narrative:
On XX/XX/year>, I mailed a certified dispute and request for verification of a debt that was being collected by Hunter Warfield. The alleged debt relates to a past lease at XXXX XXXX XXXX XXXX and is being reported with a balance of {$7600.00}. 

On XX/XX/year>, Hunter Warfield responded by stating they had already verified the debt previously and would not respond further. However, I never received proper documentation, such as an itemized breakdown of charges, payment records, a signed lease, or proof they are legally authorized to collect the debt. 

They continue to pursue this debt without fully validating it, which violates the Fair Debt Collection Practices Act ( FDCPA XXXX ) and possibly the Fair Credit Reporting Act ( FCRA ) if the account was re-aged or inaccurately reported. 

I am requesting the CFPB to investigate Hunter Warfields practices and ensure they are not misleading consumers or reporting unverifiable debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
Creditor : Spring Oaks Capital LLC Is reporting a debt that they are saying I owe I disagree I am requesting debt of validation proof that I owe debt proof that you are able to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: OH

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA XXXX ( XXXX XXXX XXXXXXXX ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically XXXX ( XXXX XXXX XXXXXXXX ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX ( XXXX ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA XXXX and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, 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 2025-06-12 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) 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 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX CA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00}

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 2025-06-12 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: TX

Complaint narrative:
This is my XXXX written attempt demanding the immediate removal of fraudulent tems from my consumer report under FCRA XXXX. You have failed to comply with your legal obligation to block this information within XXXX business days. 
You are now in WILLFUL NONCOMPLIANCE with the Fair Credit Reporting Act and knowingly causing harm to a consumer. 
Despite providing : - A valid FTC Identity Theft Report - A written request for block/removal - Clear documentation of fraud You continue to report the following : ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} XXXX  - Account XXXX XXXX XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$23000.00} XXXXXXXX XXXX - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$5600.00} XXXX - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : 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 2025-06-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: DC

Complaint narrative:
On XX/XX/XXXX I made a purchase to XXXX XXXX line using XXXX for the amount of {$52.00}. 
On XX/XX/XXXX the cruise was canceled and I was issued a refund for {$52.00} on XX/XX/XXXX, XXXX contacted XXXX XXXX line on XX/XX/XXXX, because I did not recieve the payment to my card amd inquired if the payment was sent. XXXX stated that it was sent and not return and to reach out to the card issuer that it was sent to. When reaching out to the card issuer, I did a dispute which was denied stating that " they require you to contact them within XXXX  days of the activity showing on the monthly statement. And since it has been more than XXXX  days they are unable to review the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
On XX/XX/XXXX Freedom Mortgage received my mortgage account from XXXX. While the house was with XXXX, I received written permission for the property to be in an LLC. It was approved and placed in the LLC. All paperwork was completed and sent to XXXX from my attorney. Shortly after Freedom Mortgage received my account there was a small shortage because at the time XXXX was paying for the Insurance and Taxes. Before they sold my account to Freedom Mortgage I took over the accounts payment for directly to pay for my own home insurance and taxes. Freedom Mortgage began charging me for escrow although I paid for my own home insurance on XX/XX/XXXX before Freedom Mortgage took over my account. In addition, I also paid for my own taxes on the home. After analyzing my account, I called Freedom Mortgage to inquire why I was being charged for escrow when I paid for my XXXX home insurance myself and taxes myself. They stated they did not have evidence of such information although it was PHH 's responsibility to provide all information regarding my account to them. I sent Freedom Mortgage a copy of the approval of the property being in an LLC by PHH, XXXX home insurance, and XXXX home insurance. I requested to be reimbursed for being charged again since both home insurance and taxes for XXXX were already paid in full by me. XXXX a representative from Freedom Mortgage stated that there was a shortage on the account which was not the case since I paid it in full to both companies for 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 2025-06-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
XXXX seemingly sent in the ballpark of {$250.00} to collections with Eastern Account Systems for something that I did not owe. I returned my equipment on time and fulfilled the duration of my internet contract with XXXX. When I called XXXX to dispute the charge, they said that my account had been closed and was not showing any outstanding balance. Two months later I'm getting blown up with calls for an account that had no outstanding balance. The account in question was last at XXXX XXXX XXXX XXXX, GA XXXX under the name XXXX XXXX. My credit score has now taken a XXXX point hit for a debt that I do not owe and could not be verified by XXXX. The email attached below was sent well after all equipment had been returned and cancellation processed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, I am writing to request the removal of closed accounts from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 

As per the FCRA, closed accounts should be removed from my credit report after a certain period of time, typically seven years from the date of closure. It has come to my attention that closed accounts are still appearing on my credit report beyond this time frame, which is a violation of my rights under the FCRA.

Furthermore, the FACTA requires that accurate and up-to-date information is reported on credit reports. The presence of closed accounts that are no longer relevant or accurate is misleading and could negatively impact my credit score.

I kindly request that you investigate this matter and promptly remove any closed accounts that are in violation of the FCRA and FACTA from my credit report. Failure to do so may result in legal action being taken against your company for non-compliance with federal laws.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft and did not authorize or open the accounts listed in my credit report. These accounts were fraudulently created using my personal information without my knowledge or consent. I am requesting the immediate block and removal of these accounts from my credit file under my rights provided by 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 2025-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft and did not authorize or open the accounts listed in my credit report. These accounts were fraudulently created using my personal information without my knowledge or consent. I am requesting the immediate block and removal of these accounts from my credit file under my rights provided by 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 2025-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents 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 2025-06-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have some hard inquiries on my credit report that I dont know anything about. I didnt not authorize any of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: AL

Complaint narrative:
In XX/XX/year>, I served Rocket Mortgage with a certifiedmail demand for proof of debt and chain of title ( UCC 1-308 ; Accepted for Value presentment ), which they ignored. On XX/XX/year>, I sent a Notice of Rescission of Signature and Demand for Proof of Debt ; no response. On XX/XX/year>, I delivered a Notice of Default and Opportunity to Cure ; no response. 

On XX/XX/year>, I attempted to make a partial payment of {$550.00} via their online portal ; the system would not accept the amount. I then went to a kiosk to tender the remainder but was prevented from adjusting the payment correctly. Rocket Mortgage failed to post either tender and instead generated a delinquency notice threatening foreclosure with a sale date of XX/XX/year>. 

I have repeatedly requested their original promissory note and full chainoftitle documentation ; they have never produced these documents, in violation of TILA/RESPA servicing requirements. Their refusal to validate the debt, apply valid tenders, or respond to my certified demands constitutes servicing errors, failure to investigate, and wrongful foreclosure threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: IL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NV

Complaint narrative:
Chime allow a person to go into my account and make transaction at will without doing a security check to see if the person in question had authorization to do so. Thousands of dollars was taken fron my account days for up to XXXX before action was taken to stop the scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
Account ; Credit Control Services account # XXXX. I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide. certified mail. with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: LA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX was charged off in ( XX/XX/year> ) and XXXX XXXX law firm bought this debt as a collection agency.I have requested the 1099c to support the charge off and it has not been sent. I have disputed this account as well with the credit bureaus and it comes back verified or updated. According to the Fair Credit Reporting Act ( FCRA ) and Code 15 U.S.C. 1681e ( b ), income that has been reported to the IRS via a 1099-C can not also be reported as a delinquent debt on a credit report. This is further supported by the ruling in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is my 2nd request asking for the 1099c and debt validation. I have also provided screenshots of this account charged off as loss. I'm requesting that this account be deleted immediately or a 1099c be provided or a proper debt validation letter be submitted at this time none of the above have been supplied to me the consumer. I also have not been supplied with a written contract stating I have any obligation to this law firm they just keep posting letters as proof of debt validation and that is not a substantial agreement that I filed back in XXXX with the CFPB.I have placed all laws on this compliant and hope that they will be followed. Please do not post a letter that you sent to me that is not DEBT VALIDATION I need a signed contract thay has my wet signature on it agreeing to pay XXXX XXXX XXXX for a XXXX  account. If none of the above can be provided please delete this account or I will have my attorney reach out!!!! I will also provide the letter you attached to my original filing back in XXXX to show that this is not DEBT VALIDATION!!!! Your letter clearly states this is a debt collector at the bottom. Please cease all communication as well!!!

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 2025-06-12 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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