vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: United Shore Financial Services, LLC
State: NJ

Complaint narrative:
I am disputing an attempt by United Wholesale Mortgage ( UWM ) to collect over {$73000.00} from me after my mortgage was fully closed and funded on XX/XX/year>. The basis of the demand is a post-closing review where UWM claims a debt was not disclosed on the application. 

However, I have documented emails from UWMs own employee ( XXXX XXXX ) admitting that a clerical error on their part caused missing documentation, and that they never accused us of fraud. In fact, they suggested a refinance to address the issue not legal or financial penalties. I disclosed all of my income and self-employment status in full, and provided complete tax documentation. 

XXXX XXXX, the co-borrower, did have a personal loan that was not disclosed at the time, but this was due to emotional distress after the death of her pet. This omission was unintentional and was not meant to defraud UWM. Again, UWM never alleged fraud only income qualification concerns.

Despite this, UWM has now turned the matter over to a law firm attempting to collect {$73000.00} and threatening legal action, even though the loan was closed based on documents they reviewed and accepted.

I am asking the CFPB to step in and hold UWM accountable for their internal processing failure and to stop the 
unjust debt collection being pursued against us. I have attached the emails from UWM and my dispute letter to the collection firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
Subject : Request for Investigation and Deletion Navy Federal Charge-OffAccount Holder : XXXX XXXX : Navy Federal Credit UnionAccount Number : UnknownDispute Type : Inaccurate Charge-Off Amount / Request for Deletion Dear [ XXXX XXXX XXXX XXXX XXXX  ] , I am writing to formally dispute and request deletion of a charge-off account listed on my credit report from Navy Federal Credit Union.

The account is reporting a charge-off status with an incorrect amount, and I believe this information to be inaccurate, incomplete, and potentially unverifiable. I do not have the account number, but it is listed under my name : XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. 
This negative reporting is causing me significant harm, and under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute this account and request that it be fully investigated. If Navy Federal can not verify the original amount and status with 100 % accuracy, I am requesting that this account be deleted entirely from my credit report.

Please confirm in writing that : * An investigation has been initiated, and * If the account can not be verified, it will be removed.

I have included a copy of my ID and proof of address to assist you in locating the account.

Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-06-29 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
On XXXX XXXX there was a purchase made for a beauty product/lace wigs, despite the charge was made, I wrote the company in reference to never evolving the product. I contacted the ban ( USAA ), that conveyed, the charge was not in the system, despite they never attempted to replenish the account in the amount {$1000.00}.

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 2025-06-29 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


Inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: DE

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 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 2025-06-29 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: FL

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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 HAVE NO KNOWLEDGE OF THE FOLLOWING ACCOUNTS, AND I DISPUTED THEM DIRECTLY WITH CREDITORS THROUGH MAIL. 

XXXX XXXX XXXX : REPORTED : XX/XX/year> AMOUNT {$4100.00} XXXX XXXX XXXX : REPORTED : XX/XX/year> AMOUNT : {$370.00} XXXX XXXX XXXX  : REPORTED : XX/XX/year> AMOUNT : {$460.00} XXXX XXXX  : REPORTED : XX/XX/year> AMOUNT : {$760.00} I HAVE FILED A REPORT WITH THE POLICE THROUGH THE FTC.

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 2025-06-29 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 HAVE NO KNOWLEDGE OF THE FOLLOWING ACCOUNTS, AND I DISPUTED THEM DIRECTLY WITH CREDITORS THROUGH MAIL. 

XXXX XXXX XXXX : REPORTED : XX/XX/year> AMOUNT {$4100.00} XXXX XXXX XXXX : REPORTED : XX/XX/year> AMOUNT : {$370.00} XXXX XXXX XXXX  : REPORTED : XX/XX/year> AMOUNT : {$460.00} XXXX XXXX  : REPORTED : XX/XX/year> AMOUNT : {$760.00} I HAVE FILED A REPORT WITH THE POLICE THROUGH THE FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: TX

Complaint narrative:
I am filing a formal complaint regarding a closed installment account with XXXX XXXX  XXXX account number XXXX, which is inaccurately reporting late payment activity on my credit report. 

This account has been fully paid, carries a {$0.00} balance, and was closed properly. However, it is still showing as late or derogatory on my credit profile, even though it should reflect positive payment history or be removed entirely. 

I previously disputed this account through Experian, but the error was not corrected. This violates the FCRA ( Fair Credit Reporting Act ), which requires that data furnished to credit reporting agencies be complete, accurate, and not misleading. 

This account was a credit-building product, and continued reporting of negative activity after it was paid in full is unjustified and detrimental to my credit standing. 

I am requesting immediate removal of this account from all reporting bureaus or, alternatively, a correction of the reporting to reflect : Paid in full Closed Never late Thank you for your assistance in resolving this matter quickly and fairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: TX

Complaint narrative:
I am filing a formal complaint regarding a closed installment account with XXXX XXXX  XXXX account number XXXX, which is inaccurately reporting late payment activity on my credit report. 

This account has been fully paid, carries a {$0.00} balance, and was closed properly. However, it is still showing as late or derogatory on my credit profile, even though it should reflect positive payment history or be removed entirely. 

I previously disputed this account through Experian, but the error was not corrected. This violates the FCRA ( Fair Credit Reporting Act ), which requires that data furnished to credit reporting agencies be complete, accurate, and not misleading. 

This account was a credit-building product, and continued reporting of negative activity after it was paid in full is unjustified and detrimental to my credit standing. 

I am requesting immediate removal of this account from all reporting bureaus or, alternatively, a correction of the reporting to reflect : Paid in full Closed Never late Thank you for your assistance in resolving this matter quickly and fairly.

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 2025-06-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
According XXXX I'm unaware of the debt and did not have the opportunity to dispute this account.If you believe you sent proper notification please provide Certified mail with receipt of my signature. If not please delete this account from my credit report immediately or I'll be forced to take legal action. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This year I set up a bank account for my new business " XXXX XXXX XXXX ''. We are a hedge fund. The money in this bank account was not my own money. It is the money owned by the hedge fund investors.. 

I was in the process of transferring the money from the account into my interactive brokers account for the hedge fund. 

during the process of wiring XXXX to interactive brokers, my account was terminated and the money is being withheld. 

This is the operating expenses for the business and now I am in a position where I am taking losses with my hedge fund because I don't have the money I was expecting to have available for trading. 

Furthermore due to these unforeseen events I was forced to put my house up for sale less than 4 months after purchasing it. Now that my life has been destroyed by citibank. I can't afford a home and during these uncertain times that citibank has put me in, I need the more desperately and I can go live in a homeless shelter near a local citibank. 

I dont care that the account was closed. citibank is a horrible bank. but I need my money back right now. I am losing so much money and my hedge fund reputation has been destroyed. This is the worst possible start for the opening of a hedge fund. Citibank has ruined my business.

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 2025-06-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: T.S. Holdings
State: WA

Complaint narrative:
They deleted the account and its still there. I dont feel like I should be obligated to pay it if I didnt live there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: NJ

Complaint narrative:
I am writing to dispute fraudulent accounts that have been illegally opened in my name. This matter is of the utmost urgency, and I demand immediate correction of my credit report. The following accounts were fraudulently opened without my consent ( see attachment ). These accounts are fraudulent, and I did not authorize the creation of any of these accounts. I demand that these accounts be permanently removed from my credit report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. This situation has caused severe damage to my credit and has resulted in undue stress and Financial Loss. I expect prompt action in investigating and correcting this issue. I demand that the fraudulent accounts be removed and a new credit report be issued reflecting these changes. Please provide written confirmation that these fraudulent accounts have been deleted from my credit report. Failure to respond and correct this matter within 30 days will leave me no choice but to pursue all legal counsel to protect my rights.

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 2025-06-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PR

Complaint narrative:
I would like to get this account removed from my credit report and also I would like this company to cease and desist all contact methods since the contract was broken the moment they sold the account to a third party company. This account was sold to a third party company without my consent and no payments were late nor on collection.

Company response to consumer: Closed with non-monetary relief