vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Subject : Demand for Deletion & Legal Validation FCRA & FDCPA Violations To Whom It May Concern, This is a formal statement and demand regarding your attempts to collect on an account for which the original creditor has already filed IRS Form XXXX, evidencing cancellation of the debt. Continued collection or reporting activity on a canceled debt is improper and may constitute a violation of state and federal law.

Further, you have violated my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) ( requiring maximum possible accuracy ) and 1681i ( a ) ( 5 ) ( requiring deletion of any inaccurate, incomplete, or unverifiable information upon dispute ). You have continued collection activity and failed to comply with my written dispute request, sent more than XXXX  days ago, which requested : Chain of title for the debt Assignment of debt contract Copy of the signed contract from the original creditor Any other legal documentation establishing your companys right to collect this debt As required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ) - ( b ), you must provide written validation of the debt, including the name and address of the original creditor and documentation verifying the debt. If a consumer disputes all or part of the debt in writing, you must cease all collection activities until you provide such validation. By failing to send the verification after my written dispute, you have violated FDCPA 15 U.S.C. 1692g ( b ), and your continued attempts to collect, or report, may be unlawful.

Legal Codes Violated : FCRA 15 U.S.C. 1681e ( b ) : Maximum possible accuracy in credit reporting FCRA 15 U.S.C. 1681i ( a ) ( 5 ) : Deletion of inaccurate, incomplete, or unverifiable information upon dispute FDCPA 15 U.S.C. 1692g ( a ) - ( b ) : Must cease collection and provide written verification after dispute If this account is not deleted from all credit reporting agencies and you do not cease all collection efforts within XXXX ( XXXX ) days, I am prepared to file a claim in small claims court ( Form SC-100 ) and pursue statutory and actual damages under 15 U.S.C. 1681n, 1681o, and 1692k. 

Take this demand seriously and act immediately. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CrossCountry Mortgage LLC
State: OK

Complaint narrative:
Fannie Mae purchased my mortgage and advised me in a letter that Cross Country Mortgage would be my servicer. This letter is dated XX/XX/XXXX. I attempted to call the number provided on the letter to contact Cross Country to set up my profile, make my online acct, ect so I can pay my bill. The number led to an automated system that goes in circles, and advises I need to call the number specifically on their welcome letter because I am a new customer. I have waited a full month now, and I have not gotten a welcome letter. I found their corporate number online and called them. The receptionist advised she would get someone to call me back ( this was XX/XX/XXXX ) no call back. I am starting to get XXXX, all I want is to access my account so I can pay my bills. On XXXX XXXXXX/XX/XXXX I called the corporate line back, and got asked for corporate complaints, and I was transferred to a voice mail box. I got a call back within an hour from a girl named XXXX, who listed to my whole story, took my contact info, and said she needed to get with a XXXX and would have to call me back. I said I was ok with that as long as the callback WAS TODAY XX/XX/XXXX. No callback happened. I called the corporate complaints line again XX/XX/XXXX and advised I had spoken to XXXX, and I need a callback that day to see what was going on, and if I did not get a callback, I would be filing a complaint because I am at the end of being able to come to a resolution on this. 

I did contact Fannie Mae as well on XX/XX/XXXX, and all they were able to do is basically say its the servicers fault, and to contact Cross Country. I am at a loss of what to do next and I am beyond XXXX off. I want to not only make a payment, I am getting ready to pay my mortgage off and I can not access my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I sent out a ftc report with the companies information to the bureaus and removed fraudulent information from my account, from both Equafix and Tranunion

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 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: States Recovery Systems, Inc.
State: CA

Complaint narrative:
Subject : Demand for Deletion & Legal Validation FCRA & FDCPA Violations To Whom It May Concern, This is a formal statement and demand regarding your attempts to collect on an account for which the original creditor has already filed IRS Form XXXX, evidencing cancellation of the debt. Continued collection or reporting activity on a canceled debt is improper and may constitute a violation of state and federal law. 

Further, you have violated my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) ( requiring maximum possible accuracy ) and 1681i ( a ) ( 5 ) ( requiring deletion of any inaccurate, incomplete, or unverifiable information upon dispute ). You have continued collection activity and failed to comply with my written dispute request, sent more than XXXX  days ago, which requested : Chain of title for the debt Assignment of debt contract Copy of the signed contract from the original creditor Any other legal documentation establishing your companys right to collect this debt As required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ) - ( b ), you must provide written validation of the debt, including the name and address of the original creditor and documentation verifying the debt. If a consumer disputes all or part of the debt in writing, you must cease all collection activities until you provide such validation. By failing to send the verification after my written dispute, you have violated FDCPA XXXX U.S.C. 1692g ( b ), and your continued attempts to collect, or report, may be unlawful.

Legal Codes Violated : FCRA 15 U.S.C. 1681e ( b ) : Maximum possible accuracy in credit reporting FCRA 15 U.S.C. 1681i ( a ) ( 5 ) : Deletion of inaccurate, incomplete, or unverifiable information upon dispute FDCPA 15 U.S.C. 1692g ( a ) - ( b ) : Must cease collection and provide written verification after dispute If this account is not deleted from all credit reporting agencies and you do not cease all collection efforts within XXXX ( XXXX ) days, I am prepared to file a claim in small claims court ( Form SC-100 ) and pursue statutory and actual damages under 15 U.S.C. 1681n, 1681o, and 1692k.

Take this demand seriously and act immediately. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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 recently reviewed a copy of my credit report and noticed I have fraudulent accounts on my report. This is hurting my ability to obtain credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of 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 2025-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I am filing a complaint against Ally Financial for predatory auto lending, misrepresentation at loan origination, premature repossession, and inaccurate credit reporting. My XXXX XXXX XXXX XXXX was repossessed in XX/XX/XXXX even though I was actively on the phone discussing a payment arrangement with Ally at the time. The repossession happened before the arrangement process was completed. 
The vehicle was purchased at XXXXXXXX XXXX XXXXXXXX in XXXX Georgia. I was falsely told by the dealership that although the payment was extremely high the lender Ally Financial would reduce the payment after six months of on time payments. This was untrue and induced me into a loan that was unaffordable from the beginning. This is a known predatory inducement tactic and violates TILA and UDAAP protections.

Ally Financial has a documented federal history of unfair auto lending practices including the XXXX XXXX XXXX XXXX  DOJ and CFPB enforcement action for discriminatory and deceptive auto loan pricing. Additional class actions and enforcement records show repeated issues with inaccurate reporting unlawful fees and bad faith servicing. 

I received a Notice of Intent however I contacted Ally Financial by phone to discuss a payment arrangement. I communicated willingness to resolve the account but the vehicle was repossessed prematurely during this negotiation. Repossessing a vehicle during an active good faith attempt to resolve the delinquency violates fair servicing expectations and constitutes an unfair and deceptive act under federal standards. 

The reporting of this repossession to XXXX XXXX XXXX XXXX is inaccurate incomplete and misleading under FCRA 1681c 1681e and 1681i. I am requesting CFPB intervention to require Ally to correct or delete this inaccurate repossession and to conduct a full review of their handling of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: RC Willey
State: CA

Complaint narrative:
Subject : Demand for Deletion & Legal Validation FCRA & FDCPA Violations To Whom It May Concern, This is a formal statement and demand regarding your attempts to collect on an account for which the original creditor has already filed IRS Form 1099-C, evidencing cancellation of the debt. Continued collection or reporting activity on a canceled debt is improper and may constitute a violation of state and federal law.

Further, you have violated my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) ( requiring maximum possible accuracy ) and 1681i ( a ) ( 5 ) ( requiring deletion of any inaccurate, incomplete, or unverifiable information upon dispute ). You have continued collection activity and failed to comply with my written dispute request, sent more than 45 days ago, which requested : Chain of title for the debt Assignment of debt contract Copy of the signed contract from the original creditor Any other legal documentation establishing your companys right to collect this debt As required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ) - ( b ), you must provide written validation of the debt, including the name and address of the original creditor and documentation verifying the debt. If a consumer disputes all or part of the debt in writing, you must cease all collection activities until you provide such validation. By failing to send the verification after my written dispute, you have violated FDCPA 15 U.S.C. 1692g ( b ), and your continued attempts to collect, or report, may be unlawful.

Legal Codes Violated : FCRA 15 U.S.C. 1681e ( b ) : Maximum possible accuracy in credit reporting FCRA 15 U.S.C. 1681i ( a ) ( 5 ) : Deletion of inaccurate, incomplete, or unverifiable information upon dispute FDCPA 15 U.S.C. 1692g ( a ) - ( b ) : Must cease collection and provide written verification after dispute If this account is not deleted from all credit reporting agencies and you do not cease all collection efforts within five ( 5 ) days, I am prepared to file a claim in small claims court ( Form SC-100 ) and pursue statutory and actual damages under 15 U.S.C. 1681n, 1681o, and 1692k.

Take this demand seriously and act immediately.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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 -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-21 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: VA

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2025-11-21 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: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: SC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief