vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
Dear Halstead Financial services. 

I am responding to your phone call on XX/XX/year> as well as your constant emails regarding the collection of an alleged debt. This letter is a formal request for validation of the debt, as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following in
formation : 1. The name and address of the original creditor.

2. The amount of the alleged debt, including a breakdown of fees, interest, and other charges.

3. A copy of the original signed agreement or contract showing that I am legally obligated to pay the debt.

4. Proof that your agency is authorized to collect this debt in my state.

5. Documentation that this debt has not passed the statute of limitations for collection.

Until you provide the requested validation, please cease all collection activities and communication regarding this matter, including reporting this debt to any credit reporting agencies.

If you can not provide the requested documentation, please confirm in writing that the debt has been removed from your records and that no further collection efforts will be made. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: AL

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I assert that the incorrect late payment entries on my accounts violate 15 U.S.C. 1666. I have consistently made all payments on time, and any discrepancies in this reporting are both unfair and unlawful.

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 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
I have a bank account with chime, and I did three disputes because they were canceled transactions, but I was still charge and chime, kept denying my disputes for no reason and I kept trying to appeal it and then they closed my account for no reason and I tried to appeal to get my account back and they denied it and hung up the phone on me and was not helpful at all and had terrible customer service. I want them to re open my checking account please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
PLEASE READ THIS NOTE ALL THE WAY TO THE END. Expanation of why my homeowners insurance was not paid and lapsed while they are handling my escrow account. I was not notified that the insurance lapsed on XX/XX/year> until they mailed us a letter dated XX/XX/year>, which was received on XX/XX/year>. I tried to speak with them and they would not help, insisting that I mail a payment, and that it would take 7-14 business days to handle the situation. They have the money in escrow. After owning homes for over 40 years, I have never had a bank not pay my taxes and insurance on my home with an escrow account. My insurer stepped in and they advised that they would overnight the payment to yhe insurance company, and we are no awaiting arrival and credit of the payment, It has been deducted from my escrow on the website.

THIS IS IMPORTANT. Mr. Cooper is handling my mortgage. This company is really taking advantage of people and has been, it looks like, for a decade. What is happening? Why haven't they been stopped? The internet is full of people that have lost their insurance and have had to find other insurance that costs tem more because of non payment of escrow funds to home insurance! I spoke to my best friend, and she said, " Oh, they did that to me about 9 years ago ''. I told a client at work, " Oh, yeah, I had to find other insurance because they did that to me ''. This needs to be put to a stop, this is what class action lawsuits are made of. PLEASE PLEASE investigate this. Homeowners in Florida where I live, is VERY hard to come by without enormous costs, and this was allowed to expire without my knowlege while hurricane XXXX was out in the ocean. Can you imagine what would have happened had we been a victim with expired insurance? My next concern is that the letter that was sent from Mr. Cooper was advising that they would be purchasing homeowners insurance on my behalf and that I would have to re-imburse them. So not so sorry we let your insurance lapse, but we are going to get it for you and then charge you. What? Are they allowing insurance to expire to be able to insure homeowners for profit? Then lets talk about holding my XXXX  money for another 30 days from when it should have been paid. How many homeowners are they holding back insurance premiums and collecting interest on that money? It is very concerning and sounds very shady. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
PLEASE READ CAREFULLY- THIS IS NOT A DUPLICATE COMPLAINT THE ORIGINAL COMPLAINT WAS WITHDRAWN DUE TO ATTACHMENT ERRORS ON XXXX XXXX XXXX. THIS IS THE 5TH COMPLAINT THAT WAS CLOSED IN ERROR/INTENTIONALLY AS A DUPLICATE BY XXXX XXXX XXXX DO NOT CLOSE THIS COMPLAINT BECAUSE THEIR ARE NO OPEN COMPLAINTS. IF THIS COMPLAINT IS DUPLICATE PROVIDE THE COMPLAINT NUMBER OF THE DUPLICATED ACCOUNT THAT XXXX XXXX IS ACTIVELY WORKING ON. 
On XX/XX/year>, I submitted a dispute with Navy Federal Credit Union ( NFCU ) in the amount of {$210.00} against the merchant Scentiment. The dispute was filed because the merchant refused to issue a refund for a known defective product. I had communicated with the merchant for nearly three months without resolution. During that time, I also filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX As a result, I received a response from XXXX XXXX, XXXX XXXX, who confirmed that I would receive a refund once the returned product was received in full. However, XXXX XXXX accepted fraudulent copied and padt documentation from the merchant and rendered their decision before I received the official response from XXXX XXXX. Initially, I was told I was not entitled to receive the dispute documentation, but later two managers confirmed that I was entitled per CFPB rules and regulations. I eventually obtained those documents. I submitted a second review request for the claim on XX/XX/year>, and on XX/XX/year>, I uploaded the correspondence from the XXXX to the XXXX portal. Shortly after, I received a letter stating that XXXX XXXX was unable to assist me further and advised me to contact the merchant directly. On XX/XX/XXXX, I requested copies of the documents the merchant had submitted those that allegedly invalidated my disputeand asked that the merchant be prevented from making further transactions on my account. I eventually received those documents, but after requesting another review, my request went unanswered, and the communication thread on this dispute was closed. When I called on XX/XX/year> to speak with a supervisor, I was told that nothing could be done because the case was closed and the system prevented further action. However, the manager I spoke with acknowledged that based on the documentation, I should have received a refund since it clearly states the merchant would issue the refund upon receiving the returned product which they have already received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
there have been a couple credit cards opened in my name back in XXXX  or XXXX I have requested from XXXXXXXX XXXX and trust as well as XXXX XXXX credit card and XXXX XXXX ( auto ) provide information to me to validate this debt. Moreover, Ive sent these companies the FTC affidavit along with a police report number, police officers, contact information and a copy of my drivers license. The banks refused to remove this information. I also have requested to file a complaint against XXXX  credit bureau, and Equifax as I have shared with them the affidavit a fried, a copy of my drivers license and the police report number and the police contact information and they continue to verify this information create and financial damage to both my credit and my ability to grow my company. Ive also hired a lawyer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: OH

Complaint narrative:
I am submitting this dispute regarding inaccurate and unverified information present on my credit report. The following accounts have been inaccurately reported, and I am requesting that they be corrected or removed from my credit report in compliance with the Fair Credit Reporting Act. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Please verify or remove this account from my report. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$50000.00} Please review and verify the reported balance. This account may contain inaccuracies. 

XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$500.00} This account is disputed due to potential inaccuracies. Please verify or remove it. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX request a review of this account for accuracy. Please verify or remove this information. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$520.00} This account has been disputed due to inaccuracies. Please verify or remove it from my credit report.

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 2025-11-03 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: GA

Complaint narrative:
The investigation did not fix an error on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-11-03 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: FL

Complaint narrative:
I am writing to dispute certain items on my credit reports, which I believe are inaccurate and do not comply with the Fair Credit Reporting Act ( FCRA ). Below, I have outlined the items in dispute, separated by credit bureau. I respectfully request that each of these items be investigated and corrected as necessary. If any of the information can not be verified, I request that it be removed from my credit report in compliance with the FCRA. 

Charged-Off Accounts XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$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 2025-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
They cancelled my recurring payments because allegedly a specific month 's payment was rejected. When I called to reconnect the payment, they informed me I had to set up XXXX one-time payments, and then after that I could re-set up recurring billing. Ironically enough, they were able to take these payments through the same account they rejected. Before that cycle of the XXXX monthly payments came up where I could reinstate my recurring billing, they sold the home to XXXX. 

I call XXXX 's main number and Shellpoint representatives pick up and are unable to help me. I call XXXXXXXX XXXX XXXX XXXX number that was provided in the letter, and no one is available to take the call. The message says that if I have recurring billing set up with Shellpoint, that the payment method will continue. 

Since they cancelled my recurring billing however, there is no way to transfer the payment methods. I believe it is limiting customers to cancel their recurring payments, and criminal to sell their loan before they're able set that up - especially if you're going to sell to a partner that does not notify you of a new loan number, or pick up their calls.

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 2025-11-03 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: OH

Complaint narrative:
I am writing to formally dispute the following items on my credit report. I have identified discrepancies in the reported information and respectfully request that each item be investigated, corrected, or removed in accordance with the Fair Credit Reporting Act ( FCRA ). If the information can not be verified, I ask that it be removed entirely from my credit report. 

CHARGED-OFF ACCOUNTS XXXX, Account # XXXX, Reported on XX/XX/XXXX, Balance : {$0.00} XXXX, Account # XXXX, Reported on XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account # XXXX, Reported on XX/XX/XXXX, Balance : {$0.00} XXXX, Account # XXXX, Reported on XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX XXXX XXXX Account # XXXX, Reported on XX/XX/XXXX, Balance : {$220.00} XXXX XXXX XXXX XXXX Account XXXX XXXX, Reported on XX/XX/XXXX, Balance : {$0.00} INQUIRIES XXXX, Reported on XX/XX/XXXX XXXX XXXX, Reported on XX/XX/XXXX XXXX XXXX XXXX, Reported on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Reported on XX/XX/XXXX LATE PAYMENT XXXX Account # XXXX, Late Payment on Record

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: UT

Complaint narrative:
My Experian credit file contains inaccurate or unverifiable information that I am requesting to be investigated and corrected under FCRA 1681i. 

XXXX Accounts in Dispute XXXX XXXXXXXX XXXX Account # XXXX Charge-off dated XX/XX/XXXX, {$1500.00} balance. This appears obsolete and should no longer be reported after more than 7 years. 

XXXX XXXX XXXX, Account # XXXX Charge-off dated XX/XX/XXXX, {$0.00} balance. Request deletion if unverifiable or outdated. 

XXXX XXXX XXXX, Account # XXXX Charge-off dated XX/XX/XXXX, {$39000.00} balance. Please verify accuracy of the account and payment history. 

Inquiries in Dispute I am disputing the following hard inquiries as unauthorized or not initiated by me : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please provide documentation showing I gave permission for each inquiry, or remove any that are unauthorized. 

Late Payments in Dispute XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX Request verification and correction or removal of any inaccurate late payment records.

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 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I called Citi Bank on XX/XX/year> to dispute some interest charges on my account. 
At the end of the call, I was promised that XXXX of the higher interest charges ( totally between $ XXXX {$450.00} ) would be credited back to my account and that it would take a few business days to receive it. 

After waiting on XXXX, I called them back and was told my requests for the interest fees would be reversed and not be credited back. I was then told that there was a one-time waiver already applied within the 12 months. When asked when and how much, I was told it was in the amount of XXXX. Of the XXXX or XXXX interest interest fees accrued, the XXXX was XXXX of them ( not the the XXXX promised ). 

This was a deliberate attempt to not honor my request and quite fraudulent in my opinion! 

I tried calling again today ( XXXX ) and was told the same thing. I even referenced the recorded conversation that explicitly stated what was promised to no avail. 

I don't have the actual amounts because the account is closed, but Citibank did not honor their word. I had a XXXX balance, paid my account in its entirely and they would not help me. 

I've had this card for almost a decade, have good payment and credit history.

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 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
I respectfully request that each of these items be reviewed and corrected to ensure they are accurately reflected in my credit report. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act. 



CHARGED OFF XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXX LATE PAYMENT 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 2025-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within 4 business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing TransUnion to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

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