vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: MO

Complaint narrative:
A debt collector is presumed to violate the law if they place a telephone call to a consumer about a particular debt more than 7 times within 7 consecutive days, or within 7 days after having a conversation with the consumer about that debt.

12 CFR 1006.14 ( b ) ( 2 ) I am filing a formal complaint against Sequium Asset Solutions, who has been calling me once per day for seven consecutive days using the number ( 800 ) 618-2247, which violates the CFPBs Regulation F 7-in-7 rule ( 12 CFR 1006.14 ( b ) ( 2 ) ).

Their behavior is also in violation of the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S. Code 1692d ( 5 ), which prohibits repeated or continuous calls with intent to annoy, abuse, or harass.

I have never given express consent for Sequium Asset Solutions to call me, and I have blocked the number. However, they continued to leave voicemails, causing me unnecessary stress, anxiety, and emotional harm. I am in the process of sending a cease & desist under 15 U.S. Code 1692c ( c ).

These calls disrupted my peace and mental well-being. I am requesting : 1. That Sequium Asset Solutions cease all communication immediately.

2. That the CFPB investigate their violation of federal law.

3. That I be awarded monetary compensation for emotional distress, as allowed under the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax claims they can not locate my credit file, despite the fact that I have an active credit report with a XXXX FICO score. This is a delay tactic to avoid verifying disputed information. I have a valid SSN and have resided in the U.S. for over 10 years. I demand full access to my credit file and a corrected response to my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have an account from XXXX showing at Transunion listed as XXXX days past due. I have contacted Transunion for a dispute because the last payment was more than 7 years ago. and I filed bankruptcy that included Student loan discharge. I should not have any creditors with a late pay showing as a current account. 
I tried calling Tranunion and the operative was rude and kept cutting me off every time I tried to respond to her question. 
I tried filing the dispute online several times and the system keeps saying : unavailable try again later. 
I tried calling again and the system hung up on me while I was on hold, and could not get a live person again.

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 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX Jefferson Capital Systems , LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX, MN XXXX Dispute of Alleged Debt Request for Full Validation under FCRA Section 609 XXXX XXXX XXXX XXXX Reference Number : XXXX XXXX XXXX XXXX XXXX Alleged Balance : {$490.00} XXXX XXXX  To Whom It May Concern, This letter is a formal dispute regarding the collection account you have listed under reference number XXXX XXXX XXXX XXXX XXXX associated with an alleged balance of XXXX XXXX  {$490.00} XXXX XXXX  for XXXX XXXX. 

Under the XXXX XXXX  Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g XXXX XXXX, and the XXXX XXXX Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g XXXX XXXX, I am requesting full validation of this alleged debt. 

Please provide the following : XXXX A XXXX XXXX copy of the original signed contract XXXX XXXX or agreement bearing my wet signature; XXXX A full XXXX XXXX itemized breakdown XXXX XXXX of the {$490.00} balance and how it was calculated ; XXXX Proof that you are legally authorized to collect on this debt; XXXX  The XXXX XXXX name and contact information of the original creditor XXXX XXXX, and any related account numbers. 

All documentation must be sent XXXX XXXX by email only XXXX XXXX to the address listed above. Do not send anything to my physical mailing address. 

Until you provide the requested validation, you are required to XXXX XXXX  cease all collection activity XXXX XXXX  and ensure that the account is reported as XXXX XXXX disputed XXXX XXXX with all credit reporting agencies. If you are unable to validate this account, it must be XXXX XXXX immediately removed XXXX XXXX from all credit reports in compliance with the FCRA. 

This is a good faith effort to resolve this matter. Please respond within 30 days. 

Sincerely, XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-07-11 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:
I am writing to formally notify you that my credit file contains inaccurate and unauthorized information that is the result of identity fraud. I did not authorize the entries reflected and am not liable for any activity associated with them.

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 2025-07-11 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: TX

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

Everything on FTC and PDF is fraud Remove immediately!

15 USC 1681c-2 I did not authorize. Block and Remove 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 explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-07-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: PA

Complaint narrative:
Hello, we have been trying to refinance since XX/XX/XXXX. Its now XX/XX/XXXX and we were told to pay an appraisal fee of XXXX and still havent had our home appraised for a refinance. The lender has been missing in action, not returning our calls or emails. His wife has been harassing me and various other female clients. Shes caused havoc in my finance and I refinancing and havent been refunded for the appraisal that wasnt done. Weve paid on things to raise our credit score and still nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: GA

Complaint narrative:
I am writing to formally request documentation and verification regarding the debt that your organization claims I owe. In order to validate the legitimacy and enforceability of this debt, please provide me with the following documents : 1. * * Chain of Assignment Contract * * Documentation showing the complete chain of assignment from the original creditor to your organization.

2. * * Promissory Note * * A copy of the original promissory note bearing my signature.

3. * * Bill of Sale * * Any bill of sale or transfer agreement pertaining to this debt.

4. * * Original Contract * * A copy of the original contract or agreement related to this account.

5. * * Verification of Sale or Securitization * * Written confirmation and supporting documentation indicating whether this debt has been sold, transferred, or securitized at any point.

6. Payment history to support the current balance The purpose of this request is to verify the validity and ownership of the alleged debt. If you are unable to provide the requested documentation, I respectfully request that you close this account immediately and cease all collection activities.

Thank you for your prompt attention to this matter.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I received a debt collection letter from TSI ( Transworld Systems Inc. ) claiming I owe money for online purchases made before XX/XX/year>. However, I have not made any purchases that match the details provided in the letter. 

None of my legitimate online purchases from local platforms such as XXXX come close to the amount claimed, certainly not {$100.00} or more, not non of them are shipped by XXXX. Additionally, I checked the XXXX " Billing and Payment '' portal, and I could not find any matching invoice numbers that the letter mentioned. 

I believe this letter may be part of a scam or an identity theft attempt. I am extremely concerned about the safety of my personal information and would like CFPB to investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXXXXXX XXXX XXXX Balance {$8800.00}

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 explanation
Consumer complaint received 2025-07-11 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:
This is a formal dispute regarding entries on my credit file that were not authorized by me and are the result of fraudulent activity. I am not responsible for these accounts, and I did not initiate them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I received a text message stating that Chase placed a hold on my ATM card due to Fraud and to call XXXX ASAP. I did call that number and it asked me to verify my debit card number, my pin, the exp date and the XXXX digit code on the back it also asked my social security number and I provided that info. ( screen shot included ) Then on XX/XX/year> I received a text message from XXXX stating my XXXX XXXX package will be delivered on XX/XX/year>. I didn't order a new card but I thought that because of the alert that I received on XX/XX/year> it was automatically sent out. I continued to receive text messages from XXXX. On XX/XX/year> I received a text message saying the card was picked up from XXXX STORE # XXXX at XXXX. I DID NOT PICK UP THAT CARD. I was at work at that time. I immediately checked my account and saw my balance was {$2.00} and I immediately called Chase Bank and reported the transactions. I am providing screen shots of the text messages I received from UPS showing the card was delivered to XXXX. 

Screen shots attached : 1. Screen shot from XX/XX/year> of the text msg claiming fraud with the number to call ( 1 believe this is how they got my info to order and activate a new card with my pin ) 2. Screen shots from UPS showing the delivery of the card to XXXX while I was at work XXXX. My time stamp showing I was at work at the time the card was picked up and activated 4. A picture of myself so you can compare it with the picture of whoever activated my card and withdrew {$1700.00} XXXX XXXX XXXX did not order a replacement card nor did I pick up a replacement card from XXXX and I did not activate a card on XXXX XXXX at the ATM machine and I did not withdraw {$1700.00} from the ATM machine. 

Please investigate this matter once again. My account was compromised with Fraud and {$1700.00} was with drew from my account and it was not me and I had nothing to do with this Fraud. Please refund my money back to my account. I have no money and my account is negative this has effected my life so much. Please help me get

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NC

Complaint narrative:
* * XXXX XXXX * * XXXX XX/XX/year> * * Jefferson Capital Systems , LLC * * XXXX XXXX XXXX XXXX. Cloud, MN XXXX * * RE : Dispute of Alleged Debt Request for Full Validation under FCRA Section 609 * * * * Reference Number : XXXX XXXX XXXX XXXX XXXX  Alleged Balance : {$690.00} * * To Whom It May Concern, This letter is a formal dispute regarding the collection account you have listed under reference number XXXX XXXX XXXX XXXX XXXX  associated with an alleged balance of * * {$640.00} * * for XXXX XXXX. 

Under the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g * *, and the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g * *, I am requesting full validation of this alleged debt. 

Please provide the following : * A * * copy of the original signed contract * * or agreement bearing my wet signature; * A full * * itemized breakdown * * of the \ {$640.00} balance and how it was calculated ; * Proof that you are legally authorized to collect on this debt; * The * * name and contact information of the original creditor * *, and any related account numbers. 

All documentation must be sent * * by email only * * to the address listed above. Do not send anything to my physical mailing address. 

Until you provide the requested validation, you are required to * * cease all collection activity * * and ensure that the account is reported as * * disputed * * with all credit reporting agencies. If you are unable to validate this account, it must be * * immediately removed * * from all credit reports in compliance with the FCRA. 

This is a good faith effort to resolve this matter. Please respond within 30 days. 

Sincerely, * * XXXX XXXX * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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:
b'please see supporting documents pertaining to XXXX Data Breach'

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 2025-07-11 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:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to reemove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remainng showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief