vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Subject : Formal Dispute and Legal Notice Inaccurate Vehicle Repossession Reporting To Whom It May Concern, This letter serves as a formal dispute and legal warning regarding a vehicle repossession reported on my credit file. The account in question contains materially inaccurate information and represents a serious violation of the Fair Credit Reporting Act ( FCRA ), as well as a reckless disregard for my rights as a consumer. 

I am disputing the following : - Creditor Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX - Reported Repossession Date : XX/XX/year> This entry is being reported with false, incomplete, or unverifiable details. I hereby demand immediate action for the following reasons : 1. Under FCRA 1681s-2 ( a ), data furnishers are legally required to report only accurate and complete information.

2. Under FCRA 1681s-2 ( b ), you are required to promptly investigate any disputed information and correct or delete it if found inaccurate.

3. Under FCRA 1681e ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-18 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and V. A. Forced me and my ex husband to remarry to get a loan to buy the property XXXX XXXX XXXX XXXX XXXX Wa XXXX in XXXX. They FORCED me after CLOSING PAPERS SIGNED to Quit claim or no keys would be given. They kept my XXXX  XXXX  injured husband after I signed and left and conned him into making it his Private Estate! I got the loan with MY credit. My spouse had no credit! They tricked my spouse. Took advantage of him being XXXX XXXX  and very XXXX  XXXX  & I was Power of Attorney over every facet of my husbands needs & responsibilities after XXXX XXXX When he passed suddenly in XXXX  it left me incredibly vulnerable! I kept making the payments to XXXX XXXX. Then Covid hit in XXXX. XXXX XXXX opted to forbear the loan for 6mos. Then I found out while making payments again that XXXX XXXX had sold my loan to XXXX XXXX XXXX. XXXX refused to take my payments of {$1000.00} per month. It took 2 yrs to get them to make me Successor in Interest. They modified my loan in XX/XX/XXXXXXXX  after much XXXX, fighting for assumption of loan in my name. The V. A modification came with a huge caveat. They had tacked {$37000.00} onto this loan that THEY FORCED INTO FORBEARANCE PROMISING THE 24 PAYMENTS ONTO END OF LOAN. BUT NO, THE V. A JACKED UP THE LOAN BY 2 % MORE FROM 3.25 TO 5.25. ILLEGALLY. They are allowed to raise interest by 1. Not 2 % more then after adding interest to the {$24000.00} caused by THEIR FORBEARANCE! REFUSING PAYMENTS. THEY ADDED {$14000.00} OF LATE FEES AND INTEREST! AND LEINED MY Title for that amount to be paid FIRST IF I SOLD REFINANCED OR DIED!. They were Deceptive illegally manufacturing forbearance on me and others to make interest off us and gain title payment. They have lied. Finagled. Concocted XXXX XXXX since XXXX! And are getting away with this! XXXX FOUND THEM GUILTY OF DECEPTIVE PRACTICES. BOTH RUSHMORE AND THE V. A WAS MANHANDLING ME AND MY HUSBAND TO THIS DAY! THEY ARE TRYING TO GET MORE MONEY PERSONALLY FROM ELDERLY PEOPLE HERE IN WASHINGTON STATE. XXXX XXXX AT THE .VA SPEARHEADED THESE EVIL ILLEGAL PRACTICES and THEFT!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OK

Complaint narrative:
I recently reviewed my credit reports and was shocked to find a collection account from Credit Collection for what is purported to be a XXXX XXXX debt. I am formally disputing this collection, as I do not have a business to insure nor have I had XXXX. I did request a quote for a XXXX job in the past where the employer required me to hold Liability and Worker Compensation. I was never hired for this job, and did not ask the Insurance company XXXX XXXX XXXX XXXX to bind the policy. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. This includes the XXXX letter that is required to notify a consumer of a collection. The lack of prior notification has raised significant concerns regarding the validity and accuracy of this account. Due to this erroneous reporting, I have encountered difficulties securing credit, which is now directly impacting my ability to obtain a home loan. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you immediately remove this collection from all credit reporting agencies and cease any further collection efforts regarding this disputed debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: NY

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really concerned about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I've worked hard to build my credit, and it is disheartening to know that my rights as a consumer is being violated. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy by law.

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 2025-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE
State: NM

Complaint narrative:
I made a purchase using Barclay 's XXXX for {$54.00} that turned out to be to a scammer, " XXXX. '' The charge dates from XXXX. I have received NOTHING. 

The " vendor '' doesn't respond to messages. 

I got a spoof XXXX email with an invoice detailing the " order. '' Delivery tracking on the message doesn't work. 

The charge did not go through XXXX at all. It was a spoof XXXX. Barclays doesn't care. 

There is no charge at my XXXX for XXXX. 


So, anyway I told Barclay 's all of this. They halted the charge temporarily, saying they're " investigating. '' They followed up with a message saying they're ruling in favor of the scammer and I will be responsible for the charge. 

I tried again, sending Barclays a letter in the mail with proof and more details. 

They sent me a second letter saying they're ruling in favor of the scammer, and let me know the charge is back. If I don't pay up they're sending a complaint about me to the credit reporting agencies. 

Still, nothing received. No response from XXXX. 

Barclays warns me if I don't pay my credit will be dinged. 

HELP!

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 2025-04-18 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:
There are items on my credit report that I did not authorize and that resulted from someone fraudulently using my personal information. Ive never received any benefit from these accounts or transactions they were simply not mine. As soon as I realized what had happened, I took it seriously and filed a report with the Federal Trade Commission, hoping that would help get things resolved. 

But despite doing what I was supposed to, these fraudulent entries are still showing up on my report. It's incredibly frustrating to carry the burden of someone else 's actions, especially when I've taken the right steps to fix it. I just want this resolved so I can move forward without this hanging over me.

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 2025-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
THIS BANK DOES NOT CARE ABOUT ITS CUSTOMERS!!!! 

Well, once again, Citibank proves how awful they really are. 
Recently, I had a new debit card issued because the prior debit card kept getting declined.

Now, Im again having the same problem.

I am honestly scared to go anywhere and use this card, because Citibank has some jacked-up algorithm that thinks it knows better than me where to spend my money. 
And each call to their XXXX world customer service line yields even more ridiculous results. 
Citibank puts a hold on almost anything that is not in my pattern of spending, forcing me to spend XXXX or more minutes on the phone with a complete XXXX who barely speaks XXXX. 
UNACCEPTABLE, Citibank! 
Get your head out of your stupid algorithms and hire some competent frontline customer service support. 
And most recently, today, I tried twice to pay a traffic citation on the applicable city website. Each time my Citibank card was DECLINED by the city site. But Citibank went ahead and charged my account for each transaction even though it failed at the site I was making the payment.

The predictably dumb customer service rep said that was the was Citibank does this. 
I had to pay with another card from another bank and it went through just fine. 

THIS BANK IS A DISGRACE. Just look at any review site like the XXXX  or XXXX. 
All XXXX star ratings FOR A REASON!!!!!!!!

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-04-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
On Friday XX/XX/2025 I went to checking account bank online. I have gotten paid that day. I wanted to see my paycheck. I have notice that {$550.00} transaction from XXXX. I immediately called my bank, Chime and dispute the transaction. Chime told me to wait until it clears and call back we will help me. Couple days later it cleared and I called Chime back. I talked someone from the Fraud department. I have them all the info they needed and an answered all of their questions. They said it will take the investigation awhile to investigate l. They will let me know soon as they find something. 
Today, I got a email from Chimes Fraud department saying my, there isnt no error. They declined to give back my refund! I am really mad! And I quickly responded back to their email. Saying someone hacked into my account and I didnt authorized this transaction of {$550.00}! I demanded some answers why they have declined my refund. I got another email from chime, saying they have blocked me from responding. 
The Transaction is fromXXXX and the amount {$550.00}. They took it out from my debit card. I never ever let anyone used my debit or I havent given anyone my bank info. I wanted XXXX to change my old email to my new email in which they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
Credit Corp Sol XXXX please cease and desist all communication to my self and any third party as required by law, this is a closed account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Why your company charging me XXXX % in interest for a garnish. Why the court unknowingly to me your company went to court and garnish my pay. This is robbery, you will garnish my pay until I die, god bless robbers like your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX To : Experian XXXX XXXX XXXX XXXX XXXX  XXXX Equifax XXXX XXXX XXXX XXXX XXXX  XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute and Demand for Immediate Removal of Inaccurate Addresses and Update to Correct Address Dear Sir/Madam, I am writing to formally dispute two inaccurate addresses that continue to appear on my credit report, despite my previous complaints and multiple requests for their removal. The addresses listed below do not belong to me and must be deleted from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I have never resided at these addresses and have no connection to them. I have made numerous attempts to have this incorrect information removed, yet it remainsconstituting a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation when a consumer disputes information.

Additionally, 15 U.S.C. 1681e ( b ) mandates that you follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Your continued reporting of these false addresses clearly reflects a failure to comply with this requirement. 

It is also important to note that I am a victim of identity theft, and my personal information was compromised in a data breach. These false addresses are not only inaccuratethey pose a real threat to my financial identity and security. 

I am requesting that you remove the above addresses and update my credit report to reflect only my correct and current address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX To verify my identity and current address, I have enclosed the following documents : A copy of my XXXX cable bill showing my name and correct address A copy of my passport as government-issued identification Please consider this a formal dispute and demand for immediate correction. I expect a written confirmation of the removal of the fraudulent addresses and the update to my correct address within the 30-day timeframe as required by the FCRA. 

If no resolution is provided within that time, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General 's office. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-04-18 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: HI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
this letter is a formal demand under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). I am disputing the inaccurate reporting of my Chrysler Capital account. TransUnion shows a {$0.00} balance, while Experian reports {$23000.00}. This inconsistency constitutes a failure to maintain accurate and consistent information as required by federal law.

I demand an immediate investigation and deletion of this account if it can not be properly verified and corrected across all bureaus. Failure to do so may result in legal action for willful or negligent non-compliance with the FCRA.

Company response to consumer: Closed with non-monetary relief