vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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: TX

Complaint narrative:
Dear Sir or Madam, I am writing to formally dispute the inclusion of the following account on my credit report, as it does not belong to me and I have no knowledge of it : Account Name : XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Reason for Dispute : I have never opened this account, This account is a result of identity theft I request that you investigate this matter and remove the account from my credit report. Enclosed are copies of my credit report highlighting the disputed account, along with any supporting documentation to assist in your investigation. 

Please inform me of the outcome of your investigation and provide an updated copy of my credit report reflecting the removal of this account. 

I am a victim of a data breach. This is a request to block information resulting from identity theft. I have already notified your agency of this and still have information caused by identity theft on my credit report which is a clear violation of 15 U.S. Code 1681c2. This information is not information relating to any transaction by me. This request was not made by error. I did not obtain possession of goods, services, or money as a result of these transactions. Pursuant to 15 U.S. Code 1681c2 you must block these accounts, collections and hard inquiries from my credit report no later than four business days of receiving this complaint. I have attached a copy of my ID, social security card, proof of address, Identity Theft reports from the FTC, and court documents. 

Thank you for your prompt attention to this matter.

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 2025-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: GA

Complaint narrative:
I paid my mortgage for XXXX it was not late, I noted a scammer had made unsolicited charges on my bank account, I was directed by my credit union to immediately change my account number, I did UWM payment was returned, and I was charged insufficient funds, I had previously explained to UWM, that my bank account number had changed however they still charged me a insufficient fund fee, I called and ask to speak with a Supervisor to no avail, finally their representative deleted the payment but quoted to me it was for a late payment fee of {$15.00} When I called in again their recording read that my payment had changed, my escrow account due to not paying for my homeowner insurance, I was bewildered due to the fact UWM is responsible for paying my escrow I was told on XX/XX/scrub>XXXX that I didnt pay my homeowners insurance and it was cancelled, I immediately sent in a letter I recently received a letter from XXXX XXXX XXXX that my Homeowner insurance will be cancelled on XXXX for non payment, I sent verification to UWM per email that my insurance was SCHEDULED to be cancelled XXXX I received a generated email from UWM , No telephone call as I previously requested, I am not understanding why UWM will attempt to cancel my homeowner insurance when I paid my mortgage in a timely manner and sent verification from my credit union that my checking account number was changed due possible fraud. I sent verification from my credit union with no call back from UWM

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Global Lending Services LLC
State: NC

Complaint narrative:
Multiple calls and mailings I did not apply for credit on my behalf and do not feel I should pay when my identity was stolen when personal items were taken from me and found in possession of a former colleague

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: PA

Complaint narrative:
I recently obtained a copy of my credit report and noticed several inaccurate and unauthorized accounts /information reporting to my credit report. These remarks have been detrimental to my life and my credit and my 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 non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I called citi credit card to pay the balance on my credit card for a total of {$1800.00} and closed the account on XX/XX/year>. They did send me a confirmation of the account being closed. But on Monday, XX/XX/XXXX, they emailed me stating I had a {$12.00} balance due to added interest. But when I closed my account they did not mention I would still have additional balance due. 

I don't understand why I am still being charged on an already closed account. When will this credit card be considered closed and paid-off account??

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 2025-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Community Cash Management Corp.
State: NH

Complaint narrative:
My account has repeatedly been sent to a debt collector in error multiple times ( note : I have always paid on time, this situation seems to occur when we agree on a payment plan for a large bill that I have on auto-debit so that I never miss a payment ). On XX/XX/XXXX I contacted XXXX XXXX, XXXX, SVP of Finance and Chief Financial Officer for XXXX XXXX XXXX after receiving another set of 4 letters from XXXX, a debt collector that is used by XXXX XXXX XXXX. This had already occurred several times last year and I was assured by staff in the Billing department that the error was fixed. My XX/XX/XXXX correspondence to XXXX XXXX did result in a relatively prompt response. Again, I was assured that they had pulled my account from the debt collector and I would not be receiving communication again from the debt collector. On XX/XX/XXXX I sent a message to Billing after I saw that in XXXX XXXX that my account ( XXXX ) was labeled as In Collections. Yet again, I was told my account was pulled from Collections because it had been sent in error and I should not be receiving communication again from XXXX ( debt collector ). And then today ( XX/XX/XXXX ) I received another letter ( see attachment ) from XXXX saying that my account had been sent to them to collect the debt. This is the 3rd time in less than a month that XXXX XXXX XXXX accidentally sent my account to collections. They clearly have not found the systemic reason that this keeps occurring to my account and at this point, the frequency of this error is egregious and, although it appears to be accidental, is unacceptable to be putting a consumer in this situation over and over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: GA

Complaint narrative:
I've recently received a copy of my report and I notice several hard inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: GA

Complaint narrative:
I've recently received a copy of my report and I notice several hard inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been 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 non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: IL

Complaint narrative:
Prior CFPB cases # XXXX & # XXXX were closed without relief. 
LexisNexis Risk Solutions continues to report a judgment docket # XXXX that is not mine and resulted from identity theft. 
I have provided an FTC Identity-Theft Affidavit, proof of ID, and a 605B block demand ( attached ).

LexisNexis has refused to : block the judgment within 4 business days as required by FCRA 605B supply the court docket or any verification source under 611 ( a ) ( 6 ) ( B ) ( iii ) delete the record despite multiple certified-mail disputes. 
The false judgment is harming my credit and opportunities. 
Requested relief : Immediate 605B block and permanent deletion of judgment # XXXX from all LexisNexis databases and bulk feeds ; Written confirmation sent to Experian, Equifax, TransUnion ; Full description of verification procedure and furnisher information ; Compensation for statutory and actual damages as the Bureau deems appropriate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: FL

Complaint narrative:
Subject : Complaint for Removal of Late Payments due to Violation of 15 U.S. Code 1666 ( b ) Billing Errors To Whom It May Concern, I am writing to formally file a complaint regarding a series of billing errors related to my credit account with [ XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX ] and request the removal of erroneous late payments from my credit report. Upon reviewing my credit history, I have discovered multiple inaccuracies that appear to violate the provisions of the Truth in Lending Act ( TILA ), specifically 15 U.S. Code 1666 ( b ), which governs billing errors.

Details of the Complaint : 1. Billing Error 15 U.S. Code 1666 ( b ) : According to 15 U.S. Code 1666 ( b ), if a creditor receives notice of a billing error, they are required to correct the error and remove any negative reporting associated with the error. I have identified several instances where my statements contained billing discrepancies, including but not limited to : * Incorrect late payments : Late payments were inaccurately reported on my credit report despite my timely payments. 
* Computation/Accounting Errors : There were discrepancies between the amounts listed on my statements and what was actually owed, indicating possible accounting errors on the part of the creditor.

* Failure to accurately depict payments : The creditor failed to correctly reflect payments made on my account, which led to improper late payment reports.

2. Violation of TILA : The creditors inability to accurately report payment information, or address these errors upon notification, constitutes a violation of the Truth in Lending Act under 15 U.S. Code 1666 ( b ), which mandates the correction of billing errors. Specifically, these errors are attributed to : * Inaccurate portrayal of my payment history. 
* Failure to correct errors once identified. 
I respectfully request that you investigate this matter and ensure that my credit report is corrected, including the removal of any late payments or other negative marks resulting from these billing errors. I also request that the creditor be held accountable for these violations of the Truth in Lending Act and be directed to provide evidence of corrected billing statements, along with the removal of any inaccurate late payment reporting. 
Please confirm receipt of this complaint and inform me of any actions taken. 
Thank you for your attention to this matter. 
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 2025-06-01 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:
I disagree with the account listed below, which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX Account number XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've recently received a copy of my report and I notice several hard inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been 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 2025-06-01 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
I reported XXXX XXXX charges on my XXXX XXXXXXXX acct. on XX/XX/2023. The same day, XXXX XXXX XXXX XXXX  were added back to my account without any explanation. I asked for a copy of all the documents that were used in this investigation and received nothing in return. At that point they sold this debt to XXXX XXXX XXXX  I told them that the charges were fraudulent and to send me verification of this debt and the documents that were used in the investigation. Neither company has sent me anything. XXXX XXXX denied the debts yet only reinstated XXXX XXXX XXXX XXXX. and one of those was one that they reinstated. The same company. XXXX XXXXXXXX, I believe still shows a balance due to them. I am sending a letter as well as the letters I received from both XXXX  XXXX and XXXX and XXXX. Want to make sure they are not going to be listed on my credit report since that will be double jeopardy. 
Thank you so much for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was called on four different occasions about an account being open under my name. I spoke with a representative and all accounts were closed. I asked for proof through email and through mail. I did not receive anything then I started getting XXXX notifications from people trying to access those open accounts that I did not authorize Every time I call for information they claim that I had no account available.

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 2025-06-01 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: PA

Complaint narrative:
I DO NOT RECOGNISE THIS ADDRESS PLEASE REMOVE THANK YOU 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 explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I believe I was scammed by a company offering a debt relief program. They presented the program as a way to help me reduce my monthly payments and get out of debt, but they never clearly explained that all my credit card accounts would be closed, marked with late payments, and sent to collections. I would have never agreed to this if I had fully understood the consequences. 

The representatives made it sound like my credit would be protected or improved, but instead, my credit score has been completely destroyed. I had years of excellent payment history and good standing accounts that are now ruined. I was never told that my accounts would be charged off or that it would leave a permanent negative mark on my credit report. 

I feel completely misled and taken advantage of. This program caused more damage than help, and I want the CFPB to investigate this company for deceptive practices. I am requesting that the negative accounts, late fees, and collections be removed from my credit reports as I did not knowingly or willingly agree to this kind of outcome. This has left me in a worse financial position than before I joined the program. 

Please help me fix my credit and hold this company accountable for what theyve done.

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 2025-06-01 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:
After receiving a email from Equifax notifying me that my personal information has been compromised in a data breach. I discovered negative and unauthorized information on my credit report, and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax data breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which has negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I face multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the XXXX data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) XXXX XXXX XXXX Balance : XXXX Date XXXX XXXX ) XXXX XXXXXXXX Balance : {$870.00} Date XXXX XXXX ) XXXX XXXX XXXX : XXXX Date XXXX XXXX ) XXXX XXXX XXXX Balance : XXXX Date XXXX XXXX ) XXXX XXXX XXXX Balance : XXXX Date XXXX XXXX ) XXXX XXXX XXXX XXXX : XXXX Date XXXX XXXX ) XXXX XXXX XXXX XXXX : XXXX Date XXXX XXXX ) XXXX XXXX XXXX Balance : XXXX XXXX XXXX INCORRECT ADDRESSES : XXXX ) XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX INCORRECT NAMES LISTED : XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX UNAUTHORIZED INQUIRIES LISTED : 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 explanation