vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 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 Name : XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of : COLLECTIONS : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-03 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:
In accordance with the Fair Credit Reporting act. The list of accounts below had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681C ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-03 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681C ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-02 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: NC

Complaint narrative:
They had a data breach of information and I would like for my credit report to be deleted because of such breach I've been saying the things on my report are all wrong

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 2025-03-02 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: NC

Complaint narrative:
They had a data breach of information and I would like for my credit report to be deleted because of such breach I've been saying the things on my report are all wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
One year ago, I was mugged and my phone was stolen. Upon retrieval of my phone, I found that the muggers had gotten into my phone and were able to get into multiple apps to find financial information. While most of the apps were not an issue as they hid account numbers, the Bank of America app has a particularly bad issue. Not only does it display all of its own account numbers in plain text for all to see, but if any other accounts are linked ( such as those of a linked checking account to pay the credit card bill ), the entire routing number and full checking account number are visible in plain text. I had to close all accounts, open brand new ones, and reported this issue in XXXX of XXXX 

When I reported the issue, I was assured that Bank of America took this " very seriously '' and would " address it immediately ''. However, months and many app updates later, nothing had changed. I again addressed this with the bank, to which their customer service again assured me that it would be handled. We are now at a year later, and despite multiple calls and complaints, they refuse to actually fix this incredibly dangerous security issue. I am considering completely closing my account as clearly Bank of America does not take financial security seriously.

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 2025-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
the company is purposely setting me up to have late fees on my account let me explain as simple as I can state it I have multiple mortgages and they all send me my mortgage statements on time meaning I have at least about XXXX weeks to pay it on time however this company is producing the mortgage statements on the last day of the month and by the time I receive it about XXXX business days have passed and I right away pay my mortgage by sending it back to them with my check which is my legal and lawful right to pay with a check for my personal records well that takes about another couple days to arrive to them so typically they stated that they receive my check by the XXXX however by the time THEY process the payment they are putting me on a late payment status this is obviously wrong of them to do that I have had plenty and I mean plenty of mortgages and no other mortgage company works with these kind of shady business practices. I have tried to talk to them about this but there is never a manager or supervisor on duty or available to help clear this up and they always tell me oh we will have someone call you in next XXXX days and no one ever calls. I tried to avoid getting you guys involved but this is reaching a point of financial abuse in my eyes and I need your help in getting this fixed asap please reach out to me if you can thanks. 

oh and FYI I know I can set up an automatic payment and just go that route but this is how I do my finances and this is how I manage my mortgages and its a legal way to pay so I shouldn't be forced to pick another option

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 2025-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: NV

Complaint narrative:
The account in question has been charged off, and the company OneMain. Still calls every day and sends me text messages and leaves voice mails. They call on night and weekends and morning before XXXX XXXX. They are a XXXX and my biggest mistake was going to them. If anyone is listening please do not go with the. They will change what you pay and are a big ponsy scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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 Name : ( Strawman Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$18000.00} XXXX # XXXXXXXX XXXX XXXX XXXX {$750.00} XXXX # XXXX INQUIRES : 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 XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-02 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 Name : ( Strawman Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$18000.00} XXXX # XXXXXXXX XXXX XXXX XXXX {$750.00} XXXX # XXXX INQUIRES : 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 XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
1st Franklin, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all reported to the credit bureau that my accounts were charged off. My rights show if a company charges off my account it is paid in full and they must provide a 1099C to me.

Not only have some of these companies been paid without providing the 1099C they continue to illegally update my report and sold account that has been paid to a collection company without permission from me to sale my information These are multiple violations on companies behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: CCS Financial Services, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/year>2025 Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX Subject : Debt Validation Request Pursuant to the FDCPA Dear Credit Collection Services, I am writing to formally request validation of the debt that your company is attempting to collect from me. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXXg, I am entitled to receive full verification of this alleged debt before I take any further action. 
Please provide the following documentation to validate this debt : XXXX. Proof of Assignment A copy of the original agreement that legally transfers this debt to your agency. 
XXXX. Original Creditor Information The name and contact details of the original creditor, including account details. 
XXXX. Complete Payment History A full breakdown of how the amount was calculated, including principal, interest, fees, and any additional charges. 
XXXX. Legal Right to Collect Documentation proving your legal authorization to collect this debt on behalf of the original creditor. 
XXXX. Signature Verification A copy of any agreement with my signature that proves I am legally obligated to pay. 
XXXX. Statute of Limitations Documentation proving the debt is within the legal timeframe for collection. 
If you are unable to provide all the requested validation within XXXX days, you must immediately cease collection efforts and remove this account from my credit reports as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX. 
Additionally, any further reporting of an unverified debt to the credit bureaus is a direct violation of the FCRA and FDCPA, and I will not hesitate to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General if necessary. 
Please consider this a formal dispute of the validity of this debt. I expect a response in writing within the legally required timeframe. Credit Collections Services account number- XXXX. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
a lot of charges for XXXX promotion, I sent them an email, but no response, I already paid fraudulent charges, and then finally closed the account. call center, so confusing numbers are wrong too. this company should not be allowed to run

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I did a transfer from my account in the US to an account in XXXX. Before doing the transaction, I called Citibank and asked how to transfer the funds in US Dollars, without converting the funds, as the website was not allowing me to do it. 
The told me that as long as I add special instructions as part of the transaction, that would not be a problem. 
I did exactly what I was told, and they exchanged the funds into Euros. Because of their lack of competitive rate exchange, I lost about {$5000.00}. 
They need to look into their call records, where I clearly followed their steps to do it without exchanging the funds. And I have proof of the special instructions in the digital transaction.

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 2025-03-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: BTH Management
State: FL

Complaint narrative:
I, XXXX XXXX, am filing this complaint on my own behalf, not as a third party. I have no contractual agreement with Plaza Services , LLC and am not liable for any alleged debt they are attempting to collect. 

I have sent both a **cease and desist letter** and a **debt validation request** demanding proper documentation proving their authority to collect this alleged debt. Additionally, I have filed a formal complaint with theXX/XX/XXXXXX/XX/XXXX XXXX office to ensure this issue is documented. 

If Plaza Services , LLC fails to validate this alleged debt and attempts to report it to the credit reporting agencies, they will be in direct violation of 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which strictly prohibits furnishing information to credit reporting agencies that is inaccurate, incomplete, or unverifiable. 

Plaza Services , LLC 's actions may also constitute violations of the Fair Debt Collection Practices Act ( FDCPA ) by attempting to collect a debt **without proper validation**. If they attempt to continue to engage in deceptive collection practices, I will seek monetary compensation for statutory damages, actual damages, and legal fees. 

Attorney XXXX XXXX XXXX of XXXX XXXX XXXX is fully aware of this situation and is prepared to take legal action should Plaza Services , LLC fail to comply with federal laws. 

I demand an immediate investigation into Plaza Services , LLC and request that they cease all collection efforts and delete this unverified debt from my credit report unless they can fully validate it as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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:
Part XXXX of letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXXXXXX XXXX, XXXX XXXX CA. XXXX XXXX Dear TransUnion, I am writing to formally dispute inaccurate information on my credit report that I believe i harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against TransUnion for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the XXXX, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion that my dispute may be mishandled in a similar manner.

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