vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT 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 non-monetary relief
Consumer complaint received 2025-09-15 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: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-15 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Commercial Collection Corporation of New York, Inc.
State: MO

Complaint narrative:
XX/XX/XXXX : XXXX XXXX failed to repair my freezer despite two service visits totaling nearly 4 hours. I was charged {$1700.00} and later {$590.00} for incomplete work. 
XX/XX/XXXX : I hired another repair company who successfully fixed the problem in 30 minutes for {$220.00}. 
XX/XX/XXXX : I contacted XXXX customer service to dispute the charges. They acknowledged the dispute and issued case number XXXX. This call was recorded. 
XX/XX/XXXX : I sent debt validation requests and evidence ( including the recording and repair receipt ) to the debt collection company via email and certified mail. 
After receiving my evidence : The debt collection company continued collection efforts and sent a second certified mail, violating FDCPA requirements to cease collection during dispute validation. 
Key Evidence : Recording of XXXX acknowledging dispute Receipt showing {$220.00} paid to repair company that actually fixed the freezer. 
Video evidence showing freezer still broken after XXXX visits The debt collection company received all evidence but ignored it and continued illegal collection attempts. This debt is not valid as the services were never properly completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge. I have never opened, managed, or permitted them in any way. This is entirely unacceptable and constitutes the reporting of false and misleading information about my financial history. I take my credit profile extremely seriously, and the presence of these unauthorized accounts is both alarming and damaging.

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 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am filing this complaint regarding Navy Federal Credit Unions improper seizure of Social Security funds from my daughters account. 

My daughter receives monthly Social Security benefits ( {$1500.00} ), and I am her representative payee. All funds deposited into her Navy Federal account are Social Security benefits, which are protected by federal law ( 42 U.S.C. 407 ) and can not be taken to satisfy consumer debts.

Despite this, Navy Federal applied her protected benefits to cover my charged-off credit card debt. This action is unlawful and has created a financial hardship for my daughter.

In addition, I had already submitted a request to Navy Federal before this incident to be removed as a joint owner from her account. Navy Federal failed to process that request in time, and then used my association with the account as justification to take her money. The account and funds belong solely to my daughter.

When I contacted Navy Federal, they tried to claim that the funds in question came from XXXX, which is not correct. I immediately transferred my daughters Social Security payment to her account once it appeared in mine. Although the payment was dated XX/XX/year>, I check my account daily and those funds did not actually appear until later. As soon as they were available, I transferred {$350.00} of it to my daughters account. These were clearly Social Security benefits, not XXXX funds. 

I requested that Navy Federal return the money, but they have refused.

I am requesting that Navy Federal : 1. Immediately return all Social Security funds improperly taken from my daughters account.

2. Confirm in writing that no further offsets will be made against her account.

3. Correct their records to reflect that I am no longer a joint owner, as requested prior to this incident.

This is a clear violation of federal protections for Social Security benefits, and I am asking the CFPB to investigate and require Navy Federal to remedy this matter promptly. 

Thank you, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
Issue : Unauthorized loan payment taken after full payoff during promotional period. 

Details : I financed an air conditioning unit through XXXX. The loan terms clearly state : If you pay off your loan in full during the promotional period, all interest will be waived and If you pay off your loan early, you will not have to pay a penalty. 

I paid the balance in full within the promotional period. Despite this, XXXX automatically withdrew {$1600.00} from my bank account due to Autopay being active. The contract does not authorize additional payments once the loan has been fully satisfied.

This withdrawal is unauthorized under the Electronic Fund Transfer Act ( EFTA ) and constitutes an unfair or deceptive business practice under California law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Under my rights established by 15 USC 1681e ( b ) and 15 USC 1681i, I am requesting a review of certain collection accounts on my credit report that I believe to be inaccurate. If these items can not be fully verified for accuracy, I respectfully request their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
My forced mirtgage loan with Nationstar ended up being a 40 year loan after a sell date was approaching due to foreclosure so my husband and I signed the loan docs. 
Moving forward, I never received a letter regarding the CFPB 2020 settlement even though my late husband & I should have qualified. 
I am asking that our mortgage be marked as 'Paid In Full ' since we have already paid, to date, about {$400000.00} on an original loan amount of {$320000.00}. We supposedly have the HAMP which I question. Forty years?!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

Also, my accounts were always on time! I have a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. I demand the late payment reported to be updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: NJ

Complaint narrative:
I am filing this dispute because my credit report contains accounts that I did not authorize or open. I was never notified of their addition, and the information being reported is inconsistent across the credit bureaus. This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires reporting agencies to assure the maximum possible accuracy of reported information.

These errors also violate 15 U.S.C. 1681i, which requires disputed information to be investigated and corrected or removed within 30 days, and 15 U.S.C. 1681g, which ensures consumers receive accurate disclosures of their credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: NY

Complaint narrative:
I first received a call in 2024 indicating that a few years prior, my mother used my identity to obtain telecommunication services through XXXX which was reported as debt to Harris and Harris. H & H continues to call me even though I've reported to them ( multiple times ) that this is not my debt and is the result of identity theft. I supplied my mailing information and requested a letter to verify what they are telling me and they never sent it. I also called XXXX to which they have no record of this illegal account, only my current one which is in good standing. I also informed H & H that this debt is not on my credit report and therfore, I am not legally responsible. I can not pursue my mother for this as she is now deceased. I have repeatedly asked them to stop calling me and none of the information they give is accurate. I block numbers and they use new ones. They call more than once a day sometimes and then nothing for months. I would like them to please leave me alone. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CHARLES SCHWAB CORPORATION, THE
State: IL

Complaint narrative:
On XX/XX/year>, I was the victim of a fraud scheme by someone impersonating a Schwab employee. The call lasted from XXXXXXXX XXXX to XXXX XXXX I reported the fraud to Schwab at XXXX XXXX, before the wire had left my account, but during my XXXX call with Schwab the funds were released. 

I asked Schwab for details of the wire ( beneficiary account, timing ), proof of authorization, a copy of their investigation, and an explanation of why reimbursement was denied. I filed a police report confirming I was the victim of fraud and identity theft.

Schwab denied reimbursement, stating Regulation E does not apply to wire transfers. I am requesting that Schwab reconsider or, at minimum, provide a formal written denial that acknowledges the transaction was fraudulent, that I reported it before completion, and that the denial was based only on their interpretation of Reg E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: FL

Complaint narrative:
FCRA Dispute Inaccurate Address Reporting To Whom It May Concern : I am writing to formally dispute the accuracy of the following information reported on my Experian consumer report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  GA XXXX This address is invalid and non-mailable, and its reporting is inaccurate, outdated, and misleading. Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681, 1681e ( b ), 1681i ), Experian has a legal obligation to maintain reasonable procedures to ensure maximum possible accuracy of all information reported. Reporting an inaccurate address, and or outdated address violates this requirement.

# Requested Action : 1. Investigate the accuracy of the above-referenced address with any furnisher ( s ) that provided it 2. Correct the address to reflect my current and accurate mailing inform
ation, or delete the invalid address entirely 3. Provide written confirmation of the results of your investigation.

Please be advised that under FCRA 1681i and 1681e ( b ), failure to conduct a reasonable investigation or to correct inaccurate information may constitute a violation of the Fair Credit Reporting Act, for which Experian may be held liable for actual, statutory, or punitive damages, including attorney 's fees.

I have attached documentation verifying my correct address for your review. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX [ Attachments : Proof of current address

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 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NC

Complaint narrative:
Jefferson Capital Systems is attempting to collect a debt amount of {$5800.00} without validation of debt per 15 USC 1692g. This is not my debt and I do not owe this. Jefferson Capital Systems does not any written authorization to collect on this debt per 15 USC 1692c.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-15 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:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 
Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 
Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent 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 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I am writing to formally file a complaint regarding a XXXX transaction I initiated on XX/XX/XXXX in the amount of {$3500.00}, which was mistakenly sent to the wrong recipient. 
Upon realizing the error, I immediately attempted to resolve the issue by contacting both Wells Fargo and XXXX. Unfortunately, I was told by both parties that the responsibility was mine and that there was nothing they could do to assist. XXXX advised me to file a claim with the bank, while the bank redirected me back to XXXX. This back-and-forth has left me without any clear guidance or support. 
I also asked XXXX for assistance in recovering the funds and inquired how the recipientwho received the funds in errorcould continue to maintain an active account without any accountability. I questioned why the transaction could not be traced and what steps I could take to dispute or recover the funds. I received no answers or meaningful support from either party. 
This situation has been extremely frustrating and disappointing. I am requesting : 1. A formal investigation into the transaction.

2. Clear guidance on the dispute process.

3. Assistance in recovering the funds from the unintended recipient.

4. An explanation of the policies that allow such transactions to go unresolved.

I appreciate your prompt attention to this matter and expect a timely response outlining the next 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