vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: PA

Complaint narrative:
Subject : Reinvestigation Request Under FCRA 611 Reference CFPB Complaint # XXXX To Whom It May Concern, I am submitting this formal dispute regarding the accuracy of the following XXXX XXXX accounts on my credit report : XXXX XXXXXXXX ( XXXX ) Charged off {$230.00} XXXX  XXXX ( XXXX ) Charged off {$260.00} XXXX  XXXX ( XXXX ) Charged off {$1200.00} This dispute is made under the Fair Credit Reporting Act ( FCRA ) 611 and is not an identity theft claim under 605B. 

Please be advised that this dispute is related to CFPB complaint number XXXX, which I filed due to Experians prior misclassification of this dispute as an identity theft claim requiring a police or FTC report XXXX That classification was incorrect. 

I request that Experian conduct a proper reinvestigation of these accounts by verifying the accuracy and completeness of the information with the original creditor ( XXXX  XXXX ). If verification can not be completed within the statutory timeframe, please delete these accounts from my credit report. 

Enclosed are supporting documents including my identification, proof of address, and previous correspondence. 

I expect Experian to complete the reinvestigation and notify me of results within the original 30-day period from when I first submitted the dispute, as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Marlette Funding, LLC
State: MO

Complaint narrative:
Ive had a credit card with XXXX XXXX for over 3 years. The card I signed up for had no annual or monthly fee. Without my authorization or knowledge they started stealing $ XXXX from my external bank account for a monthly membership fee. Im not sure how they can legally change the terms of the agreement without my knowledge. Their customer service rep kept repeating that it was legal. What if they decided to make the monthly fee {$50000.00}? Would that be legal? And when I called to dispute the charges and close the account, their rep threatened my credit score. It is completely unacceptable to change the terms of the agreement without my consent and then attack my credit score for closing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
I've been having problems with Mr. Cooper for some time now, Mr. Cooper has FORCED INSURANCE ON MY MORTGAGE AND MY PAYMENTS HAVE WENT FROM XXXX A MONTH TO XXXX DOLLARS A MONTH. I DIDN'T KNOW THAT MY PREVIOUS INSURANCE COMPANY LEFT THE STATE OF MICHIGAN AND STOPPED ALL INSURANCE ON MORTGAGES. MR. COOPER HAD KNOWLEDGE OF AND WAITED TO SEND NOTICES TO ME AND BY TYHE TIME I HAD TO LOOK FOR A LOW INSURANCE COMPANY THEY FORCED THE HIGHEST INSURANCE PER MONTH THEY COULD FIND TO SEND ME INTO FORECLOSURE BY RAISING MY MONTHLY PAYMENTS XXXX DOLLARS. MY ESCROW WAS NOT THAT SHORT TO SPIKE A JUMP IN MY PAYMENTS. I JUST GOT A XXXX CHECK FROM MR. COOPER. SO IF MY ESCROW WAS SHORT THEN WHY DID I GET A CHECK FROM THEM. THEY ARE PURPOSELY MISMANAGING MY MORTGAGE AS RETALIATION FOR PAST COMPLAINTS AGAINST THEM FOR VARIOUS VIOLATIONS. MR. COOPER HAVE BEEN SUED IN THE PAST FOR ( FORCED-PLACED INSURANCE ) IN XXXX RESPA VIOLATIONS, FAILURE TO SHOW THE POOLING AND SERVICING AGREEMENT THAT I ASKED FOR AS I HAVE DONE A AUDIT ON MY MORTGAGE AND FOUND THAT THERE ARE POOLING AND SERVICING VIOLATIONS SHOWING THE NOTE WAS NEVER SOLD TO A TRUST AND THE CUT-OFF DATE ON THE REMIC TRUST SAYS ( TBA ) ( TO BE ANNOUNCED WHICH MEANS MR. COOPER HAS NO RIGHT TO SERVICE THIS MORTGAGE AND HAVE NO STANDING TO FORECLOSE. THE CFPB HAS ALL MY COMPLAINTS AND HAVE ALL THE LAWSUTS THEY HAVE FILED AGAINST MR. COOPER OVER THE YEARS. THIS COMPANY IS CONTINUING SERVICING MISCONDUCT. CFPA ( 12 USC 5531 UNFAIR DECEPTIVE OR ABUSIVE ACTS, RESPA 12 2605 REG X 1024.17 LOAN TRANSFERS, FORCED-PLACED INSURANCE TILA 15 USC 1601 ET SEQ FEE DISCLOSURES, APR ACCURACY. CASE : CALDWELL V. NATIONSTAR MORTGAGE LLC N.D. CAL, NO. 3:24-CV-05437 DATE XX/XX/XXXX CLAIMS, BREACH OF CONTRACT TILA VIOLATIONS FOR REFUSING TO PRODUCE POOLING AND SERVICING AGREEMENT AND ORIGINAL PROMISSORY NOTE. THE PROMISSORY NOTE NEVER VALIDLY ENTERED THE REMIC TRUST AS MY AUDIT ALSO SHOWS. CASE IS STILL IN THE COURT HEARING IS SCHEDULED, Q4 XXXX. OTHER CASES COURT DOCKET S.D. FLA NO. 1:25-CV 00112 XX/XX/XXXX VIOLATION, RIGHT TO ENFORCE LOAN TERMS BY WITHHOLDING PSA, AND MANY OTHER CASES. THIS COMPANY IS RETALIATING AGAINST ME FOR PAST COMPLAINTS AGAINST THEM AND ARE ATTEMPTING TO FORCE ME INTO FORECLOSURE BY WAY OF MORTGAGE PAYMENY SPIKE OF XXXX. MY INSURANCE COMPANY IS XXXX. PLEASE LOOK AT ALL LAWSUITS THE CFPB HAVE FILED AGAINST MR. COOPER AND TAKE IT IN CONSIDERATION AS THS COMPLAINT HAS BEEN FILED BEFORE MANY TIME AGAINST THIS COMPANY AND CORRECT MY PAYMENTS AS I WILL BE FILING A FERDERAL LAWSUIT AGAINST MR. COOPER AND XXXX XXXX  XXXX SOON FOR BREACH OF AGREEMENT, TILA, RESPA, AND OTHER VIOLATIONS SINCE I SEE JUST A COMPANIES RESPONSE TO THE CFPB IS JUSTIFIED AS SETTLED WHEN IN FACT IT ISN'T AND THIS SHOULD BE GIVEN TO THE PROPER AUTHORITIES TO DO AN INTENSE INVESTIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: NY

Complaint narrative:
I am writing to formally request that you block from my credit report all information that is the result of identity theft, as provided under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 

I have been the victim of identity theft, and certain information in my credit file does not relate to any transaction or account that I authorized. Specifically, the following account ( XXXX ) and/or item ( XXXX ) are fraudulent : XXXX XXXX - XXXXXXXX XXXX XXXXXXXX Account Number XXXX * * * Balance {$9000.00} XXXX XXXX  Account Number XXXX Balance {$2400.00} XXXX Card Account Number XXXX Balance {$2600.00} XXXX XXXX Account XXXX XXXX Balance {$1800.00} XXXX XXXXXXXX Account Number XXXX Balance {$4800.00} XXXX XXXXXXXX Account Number XXXX Balance {$1400.00}

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 2025-08-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Sports & Imports Auto
State: GA

Complaint narrative:
To start Im on XXXX and I made that fairly clear to them but when my payment came up I hadnt got my paycheck yet from the XXXX so I offered to pay XXXX and then XXXX the same week on Friday and instead of excepting any payment at all they decide to come and take the vehicle while I was asleep and at the same time they tried to charge my card XXXX dollars when I only owed XXXX. So I called to request my documents and for the first week and half or so they told me they didnt know where the car was or when they would even though its equipped with a tracker I called again last week and they tell me they wont remade my personal documents unless I pay them XXXX dollars this highly unreasonable and quite likely illegal under OCGA 44 14 411.1 which says my personal documents must be returned without an unreasonable ransom fee its crossing the line in to coercion I dont want to seek legal remedies but if my wallet that is full of my documents is not returned without a fee I will have to

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: IL

Complaint narrative:
XXXX XXXX Bank is showing a owed balance of XXXX and charged off this account was apart of a bankruptcy therefore it should be showing a XXXX balance .After talking to a XXXX  Bank representative this account was written off of the end and I never received a XXXX Form for my taxes.

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 2025-08-12 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: NC

Complaint narrative:
I am writing to dispute unauthorized hard inquiries listed on my credit report pursuant to my rights under 15 U.S. Code 1681b and 1681i. 
The following inquiries were made without my permission, are not tied to any open accounts, and violate the permissible purpose clause under the FCRA : XXXX XXXXXXXX XXXX XXXXXX/XX/year>

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 2025-08-12 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: OH

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: NV

Complaint narrative:
On XX/XX/year>, my Experian credit report ( Report # XXXX ) showed a public record : XXXX XXXXXXXX XXXX IL XXXX XXXX # XXXX listed as Remains after a dispute. This bankruptcy does not exist. 

I have : Provided Experian with an official letter from the XXXX XXXX XXXX Illinois XXXX XXXX confirming no bankruptcy record exists under my name or Social Security number. 

Submitted multiple disputes by certified mail and by phone. 

On XX/XX/year>, received a letter from XXXX XXXX XXXX ( CFPB Case # XXXX ) confirming they deleted the bankruptcy ( Case # XXXX ) from their files after verifying it no longer exists in the original court source. 

Despite this, Experian continues to report the bankruptcy as verified, which is inaccurate and a violation of : FCRA 607 ( b ) Failure to maintain maximum possible accuracy.

FCRA 611 ( a ) Failure to conduct a reasonable reinvestigation.

FCRA 611 ( a ) ( 7 ) Failure to provide the full method of verification. 

I request that the CFPB compel Experian to : Delete the inaccurate bankruptcy immediately. 

Provide the full method of verification used, including the name, address, and phone number of the verifying source. 

Confirm the deletion in writing.

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 2025-08-12 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: SC

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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-12 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/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 2025-08-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ACIMA CREDIT, LLC
State: MI

Complaint narrative:
I appreciate your quick response. I am a bit shocked at the incompetence. You did not do much research at all. The orders youre referring to were delivered you are totally correct, but that has absolutely nothing to do with you. You did not finance any of those orders so why are you talking to me about them? Why dont you actually confirm the order that was financed by you with XXXX XXXX XXXX There was a full size bed frame and the matching nightstand and a couch. Those XXXX items were not delivered to me. I just got off the phone with XXXX and they confirmed that they were not delivered to me. If you would just call XXXX and actually confirm the items that you were actually responsible for not orders that I placed previously that you had absolutely nothing to do with But the actual order that you financed and the items that you finance you would see that they were not delivered they will confirm that with you. And I have contacted you on multiple occasions and told you this and youve refused to investigate and now all of a sudden your hostile acting like you have done nothing wrong but if you wouldve started investigating this XXXX months ago when I first contacted you, we wouldnt be in this position now would we? I am due a full complete refund. I would like a supervisor to take over. I need somebody to actually do some due diligence. Dont just ask if orders have been delivered. Ask about the specific order. That you financed the items that you financed details matter in this situation and who cares whether you're a bank or credit card or credit union or a leasing agency completely irrelevant the problem is that you've taken my money and I need it back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I previously submitted a debt validation and cease & desist request to Fair Collections & Outsourcing ( FCO ) for an alleged account with Progress Residential XXXX, account ending in XXXX, for {$10000.00}. 
FCO responded on XX/XX/year> stating they will send full verification of the debt but have not provided any documentation to date. The account continues to be reported to credit bureaus without proper validation, in violation of FDCPA 809 ( b ), which prohibits further collection activity, including credit reporting, until the debt is validated.

Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or should know is inaccurate or incomplete. Continuing to report this account without providing validation after my formal request constitutes furnishing incomplete and unverifiable information.

I request that the CFPB require FCO to either ( 1 ) provide complete and verifiable documentation proving the alleged debt per the FDCPA and FCRA, or ( 2 ) immediately delete the account from all consumer reporting agencies. Failure to do so is a violation of both federal laws.

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 2025-08-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I applied for forebearance and they said I do not qualify. They did not even notified me until I called and they said they will not notify me. Then I called again and filed an internal complaint, then they notified me and still denied me. Now I applied for modification, they said I was later sending in document. They do not notify again, I have to call everytime and wait for XXXX mins. They are playing the games they did not receive the document and I know I have record in emails

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 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
Debt Validation Letter ( Under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ) From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : [ XX/XX/year> ] To : The Best Service Company [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Subject : Request for Debt Validation Dear The Best Service Company, I am requesting that you provide validation of the alleged debt you claim I owe, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. This is not a refusal to pay, but a notice that your claim is disputed. 

Please provide the following information : 1. The name and address of the original creditor.

2. The original account number.

3. The amount of the alleged debt, including an itemized breakdown of any interest, fees, or other charges.

4. Copies of any documents showing that I agreed to the alleged debt.

5. Proof that you are licensed to collect debts in the State of California. 



Until you provide the above documentation, you must cease all collection activities, including reporting this debt to credit reporting agencies. 

If you have already reported this debt to any credit bureau, please inform them that the debt is disputed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation