vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Been called twice for a debt that they have not sent any physical proof of. Calls were from 2 different phone numbers On XX/XX/year> and XX/XX/year>. 

I have no debts in collections so this company can not possibly have a reason to call me and especially because I have told them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
ATTN : XXXX XXXX XXXX XXXX XXXX and Wells Fargo Home Mortgage , This correspondence serves as a conditional offer relating to the promissory note originally issued in the amount of {$140000.00}. 

You are hereby presented with the following terms : Produce and deliver the original wet-ink signed Promissory Note within fifteen ( 15 ) business days of receipt of this letter ; OR Remit payment in full of the face value of the note ( {$140000.00} ) plus any and all accumulated interest paid by me under the assumption of a valid and binding debt. Payment may be made by check, money order, or direct deposit. 

This conditional offer is extended in good faith and with the expectation of timely and lawful compliance. 

Failure to accept and act upon the above terms within the given timeframe will result in immediate escalation. I will have no choice but to put the appropriate local, state, and federal enforcement agencies on notice, including but not limited to : The Consumer Financial Protection Bureau ( CFPB ) The Office of the Comptroller of the Currency ( OCC ) The State Real Estate Licensing Board The Office of the Attorney General Any other applicable regulatory or legal authority I strongly urge you to consider this notice carefully and respond in a timely manner. This is your opportunity to resolve the matter privately and amicably. A failure to act will be interpreted as a refusal to cooperate and a potential attempt to conceal or deny the existence of the original legal instrument, which may carry legal consequences.

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 2025-04-14 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 BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: OH

Complaint narrative:
I have made several attempts to have deleted. XXXX is not my debt. Illegal charges were made to my account. I have made complaints with ftc and local police.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX XXXX : XX/XX/XXXX SSN ( Last 4 ) : XXXX Date : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian and Equifax credit reporting agencies, block and remove 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. It has been confirmed by Experian that my personal information was compromised in a data breach. I am a victim of identity theft and did not open or authorize any of the following accounts : XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Balance : {$1000.00} Collection XXXX XXXXXXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Balance : {$930.00} Charge-Off XXXX XXXXXXXX XXXX XXXX Acct XXXX XXXX Opened XX/XX/XXXX Balance : {$3300.00} Charge-Off XXXX XXXX XXXX Acct XXXX XXXX Opened XX/XX/XXXX Balance : {$760.00} Collection XXXX XXXX XXXX Acct XXXX XXXX Opened XX/XX/XXXX Balance : {$180.00} Charge Account XXXX XXXXXXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Balance : {$310.00} Charge-Off XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Balance : {$400.00} These are fraudulent accounts that have resulted in several charge-offs and collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned accounts, collections, or charge-offs as reported. The aforementioned accounts, collections, and charge-offs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint Reports # 's XXXX and XXXX, 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. I have also attached a copy of my Driver 's License for identification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX XXXX : XX/XX/XXXX SSN ( Last 4 ) : XXXX Date : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian and Equifax credit reporting agencies, block and remove 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. It has been confirmed by Experian that my personal information was compromised in a data breach. I am a victim of identity theft and did not open or authorize any of the following accounts : XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Balance : {$1000.00} Collection XXXX XXXXXXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Balance : {$930.00} Charge-Off XXXX XXXXXXXX XXXX XXXX Acct XXXX XXXX Opened XX/XX/XXXX Balance : {$3300.00} Charge-Off XXXX XXXX XXXX Acct XXXX XXXX Opened XX/XX/XXXX Balance : {$760.00} Collection XXXX XXXX XXXX Acct XXXX XXXX Opened XX/XX/XXXX Balance : {$180.00} Charge Account XXXX XXXXXXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Balance : {$310.00} Charge-Off XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Balance : {$400.00} These are fraudulent accounts that have resulted in several charge-offs and collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned accounts, collections, or charge-offs as reported. The aforementioned accounts, collections, and charge-offs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint Reports # 's XXXX and XXXX, 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. I have also attached a copy of my Driver 's License for identification purposes.

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 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
What happened?

I am submitting this formal complaint and dispute against Midland Credit Management , Inc. ( MCM ) and their legal counsel XXXX XXXX XXXX XXXX, regarding an alleged debt originating from XXXX ( account ending in XXXX ). This debt was originally reported with an alleged balance exceeding $ XXXX, which has since been reduced to approximately {$6700.00}, yet still remains inaccurate, disputed, and unlawfully collected upon. 

Over the past several weeks, I have communicated directly with both MCM and XXXX XXXX XXXX XXXX. During these conversations, I clearly informed both parties that I reside in Massachusetts and receive income through pension and/or XXXX, which is exempt from collection efforts under both federal and state lawincluding 15 U.S.C. 1673 ( a ) under the Consumer Credit Protection Act and Massachusetts General Laws ch. 246, 28A.

Despite this clear disclosure, MCM and their attorneys continued aggressive and harassing collection activity, including repeated phone calls, legal notices, and coercive tactics. I explicitly invoked my rights under 15 U.S. Code 1692c ( c ) of the FDCPA to cease and desist all communications, yet they persisted. They pressured me into a payment arrangement under duress, despite knowing I was legally protected and financially vulnerable. This constitutes a serious violation of FDCPA 1692d, 1692e ( 2 ), 1692e ( 10 ), 1692f, and 1692g.

When I later informed them of my protected status and requested a refund of all payments made, they refused, falsely claiming I had voluntarily entered the agreement. This conduct reflects a deceptive and unfair business practice, especially in light of the fact that no proper debt validation was ever furnished, nor was I provided clear terms under which the debt was collected. 

These actions are not only predatory and unlawful under the FDCPA and Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) ( due to continued inaccurate reporting ), but also likely constitute violations of Massachusetts General Laws ch. 93A, which prohibits unfair and deceptive acts or practices ( UDAP ).

Similar conduct has been found unlawful in the following federal cases : Gonzalez v. Arrow Financial Services, LLC, 660 F.3d 1055 ( 9th Cir. 2011 ) deceptive practices and pressuring consumers into agreements without full knowledge violates FDCPA.

Zagorski v. Midwest Billing Services , Inc., 128 F.3d 1164 ( 7th Cir. 1997 ) ignoring cease-and-desist notices and continued collection is harassment.

Stratton v. Portfolio Recovery Associates, LLC, 770 F.3d 443 ( 6th Cir. 2014 ) misleading consumers into payment arrangements on time-barred or disputed debts is a violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: CA

Complaint narrative:
My credit matters a lot to me and so, I took a look at my credit report and found some big mistakes that are really hurting my score. Im really worried about the mistakes on my credit report. These inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent my fault. I need you to make sure all this information is 100 % correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LCI Acquisition Inc.
State: TN

Complaint narrative:
I submitted lawful affidavits to this company demanding the removal of all unauthorized information, a permanent freeze on my account and data, and a full revocation of any presumed consent to collect, store, or report my personal information. 

I am the Secured Party Creditor over the private estate associated with this account. This company has no verified contract, no valid consent, and no lawful authority to access or use my data under 15 U.S.C. 1681b, the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ), and applicable trust law. 

I have demanded proof of authority or contract, which has not been provided. I am now escalating to the CFPB for enforcement and resolution. Affidavits documenting my demands are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: NC

Complaint narrative:
I recently reviewed my credit report and discovered several unauthorized hard inquiries that I did not initiate, authorize, or recognize. These inquiries were made without my consent and are fraudulent in nature. 

The inquiries in question were made on the following dates : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX I have not applied for credit, loans, or services with any of these companies, nor have I provided any written or verbal permission for these inquiries to be made. 

These hard inquiries are negatively affecting my credit profile and were made in violation of 15 U.S.C. 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ), which states that a consumers report may not be accessed without a permissible purpose or explicit authorization.

I request that these inquiries be removed from my credit report immediately.

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 2025-04-15 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently reviewed my credit report and discovered several unauthorized hard inquiries that I did not initiate, authorize, or recognize. These inquiries were made without my consent and are fraudulent in nature. 

The inquiries in question were made on the following dates : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX I have not applied for credit, loans, or services with any of these companies, nor have I provided any written or verbal permission for these inquiries to be made. 

These hard inquiries are negatively affecting my credit profile and were made in violation of 15 U.S.C. 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ), which states that a consumers report may not be accessed without a permissible purpose or explicit authorization.

I request that these inquiries be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 to be removed/updated. 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 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 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!

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 2025-04-14 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) 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 2025-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I received correspondence from MOHELA that action was required for refund of overpayment of Student Loan. I called to provide information requested in XXXX and told i would receive payment in 90 business days. I have not received payment and it is a whole month past the reported time. I called to verify the information and the customer service representative says a refund was issued in XXXX in the amount of XXXX. They could explain why I hadnt received payment or who was responsible for processing the payment. I have not received the payment and the customer service representative reported she did not know how to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Brock & Scott, PLLC
State: NC

Complaint narrative:
XXXX XXXX of Brock and Scott PLLC is in direct violation of G.S. 45-102. Pre-foreclosure notice for home loans.

At least 45 days prior to the filing of a notice of hearing in a foreclosure proceeding on a primary residence, mortgage servicers of home loans shall send written notice by mail to the last known address of the borrower to inform the borrower of the availability of resources to avoid foreclosure, including : ( 1 ) An itemization of all past due amounts causing the loan to be in default.

( 2 ) An itemization of any other charges that must be paid in order to bring the loan current.

( 3 ) A statement that the borrower may have options available other than foreclosure and that the borrower may discuss available options with the mortgage lender, the mortgage servicer, or a counselor approved by the U.S. Department of Housing and Urban Development.

( 4 ) The address, telephone number, and other contact information for the mortgage lender, the mortgage servicer, or the agent for either of them who is authorized to attempt to work with the borrower to avoid foreclosure. 
( 5 ) The name, address, telephone number, and other contact information for one or more HUD-approved counseling agencies operating to assist borrowers in North Carolina to avoid foreclosure.

( 6 ) The address, telephone number, and other contact information for the State Home Foreclosure Prevention Project of the Housing Finance Agency. ( 2008-226, s. 1 ; 2010-168, ss. 1, 9 ; 2012-79, s. 2.17 ( a ), ( g ). ) There is no proof of service or evidence of any notice received before XX/XX/year> There is no notice of default, no notice of payments missed, no itemization of past due payments or charges. 
There is no evidence of debt he/they are looking to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX - XXXX XXXX XX/XX/XXXX - {$220.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$57.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$660.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$490.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$160.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-14 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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