vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
To whom it may concern : I am writing this letter to formally demand that NCB Management Services immediately cease and desist all communication with me whether by phone, mail, text, or any other means in relation to the above-referenced account.

This demand is made pursuant to 15 USC 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), which expressly provides consumers with the right to prohibi
t a debt collector from further communicating with them upon receiving a written cease and desist.

Please be advised : Jarman v. Residential Credit Solutions , Inc., 2015 WL 7574669 ( D. Md. 2015 ) underscores a consumer 's absolute right under 15 USC 1692c ( c ) to cut off all further communication from a collection agency.

Heintz v. Jenkins, 514 U.S. 291 ( 1995 ) confirms that the FDCPA applies broadly to collection agencies and lawyers attempting to collect a debt.

Furthermore, Horkos v. Debt Recovery Partners , LLC, 2016 WL 3342892 ( N.D. Ill. 2016 ) held that ignoring a cease and desist constitutes a violation of the FDCPA and may subject the collector to liability for actual and statutory damages.

Any future communication from NCB Management Services after this cease and desist except to advise me that you will cease collection efforts or pursue a specific legal action will be considered a violation of the FDCPA. I will pursue all available legal remedies if this demand is disregarded. 

Please send me written confirmation within 15 days that you have received this notice and will be honoring my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ 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 2025-06-18 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: DE

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX 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 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 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 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 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 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 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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: SC

Complaint narrative:
XXXX XXXX, XXXX, 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 credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX 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 XXXX XXXX XXXX XXXXXX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 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.

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 2025-06-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing the following accounts and personal information reported on my consumer credit file, which reflect inaccurate, unverifiable, and potentially fraudulent data. These records directly violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, 1681e ( b ), 1681i ( a ), 1681s-2 ( b ), and fail to meet XXXX XXXX Data Furnishing Standards as outlined by the CDIAs Credit Reporting Resource Guide ( CRRG ).

Let me be extremely clear : I have NOT authorized or consented to the reporting of these accounts. If you or your data furnishers are claiming otherwise, you are legally obligated to provide the original source documentation containing my wet signature or legally valid electronic authorization. Hearsay responses, boilerplate responses, or unverifiable electronic records will NOT satisfy your obligations under Federal law.

Personal Information Being Disputed ( Must Be Deleted Immediately ) : Incorrect Previous Address : XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are hereby notified that you are legally prohibited from continuing to report any information that is inaccurate, unverifiable, or not compliant with your duty to maintain maximum possible accuracy under FCRA 1681e ( b ). Furthermore, per FCRA 1681i ( a ), upon notice of dispute, you are obligated to conduct a thorough reinvestigation and furnish all supporting documentation that proves the factual accuracy of these entries. 

You are also reminded that under XXXX XXXX standards, reporting inconsistent, fragmented, or unverifiable data across the bureaus constitutes data integrity violations and exposes you to additional liability for willful noncompliance. 

Failure to produce physical, admissible proof validating any of these disputed items will constitute your full acknowledgment that no such proof exists, and these items must be permanently deleted from my consumer file within the statutory timeframe. 

If you fail to comply, I will have no choice but to escalate this matter through formal complaints with the CFPB, FTC, State Attorney Generals Office, and file civil action for willful violations of my rights under the Fair Credit Reporting Act, including statutory damages, actual damages, and punitive damages. 

This is your legal notice. You are on record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: OR

Complaint narrative:
I was charged an overdraft fee by U.S. Bank even though I deposited funds before the stated cutoff time.

The banks notice said that if I deposited funds by XXXX XXXX  my overdraft fee would be refunded. I deposited the funds at XXXX XXXX XXXXXXXX XXXX, which should have met the deadline. However, when I called to ask about the fee, I was told that the XXXX XXXX  cutoff referred to Eastern Time, not local time it just said XXXX XXXX. Why does the east coast get more time to make a deposit than pacific time zone that seems unfair and discriminatory. 

I live in Oregon ( Pacific Time ), and this was never communicated clearly. Had the time zone been specified, I would have made the deposit sooner. I had just worked a 13-hour shift and deposited the funds as soon as I possibly could. I acted in good faith based on the information provided. 

I am a single mom working long hours, and these unexpected overdraft fees are a hardship. I requested a refund, but the bank refused. I believe the communication was misleading and unfair, and Im asking for the overdraft fee to be refunded.

Im also considering closing my account due to this lack of transparency and support.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2025-06-18 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: FL

Complaint narrative:
Inquires reported and dates : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Given my consistent track record of meeting payment deadlines for this account without any delays, it's unjustifiable for me to face such issues. I kindly request the prompt updating of my account to accurately reflect this 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 explanation
Consumer complaint received 2025-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, 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 2025-06-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/scrub>XXXX Balance : {$1400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am formally disputing the accuracy of an item currently listed on my credit report, as the information being reported does not comply with the Fair Credit Reporting Act ( FCRA ) guidelines, particularly in regard to the requirement for maximum possible accuracy under Section 607 ( b ). After reviewing my credit report, I found this entry to be factually incorrect, misleading, and damagingand it should not be reported in its current form.

Let me be clear : the continued presence of this inaccurate item is a direct violation of federal law. Under the FCRA, consumer reporting agencies are legally obligated to ensure that all information furnished in a consumer 's report is complete and verified for accuracy. This account fails to meet those standards. I am not requesting a reviewI am demanding the full deletion of this item 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 non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit
State: CA

Complaint narrative:
Subject : Formal Dispute of Account Reporting and Request for Verification for the Fourth Time To Whom It May Concern, I am writing to formally dispute the continued inaccurate reporting of the account associated with XXXX XXXX XXXXXXXX ( Account Number : XXXX ) on my credit report. This marks my fourth attempt since XXXX to resolve this matter, and I have also reported this issue to the Consumer Financial Protection Bureau ( CFPB ) for the second time.

Despite my repeated requests, the inaccuracies are still unresolved, and I have yet to receive adequate documentation or responses to my inquiries. The continued lack of transparency raises significant concerns regarding the validity of this account and the verification process. Specifically, I am requesting the following information : 1. Chain of Custody : Documentation showing the chain of custody for this account, including any transfers or sales of the account.

2. Insurance Policy : Confirmation of whether an insurance policy was taken out on this loan, and if so, whether that policy was paid out. Please provide proof.

3. Form 1099-C : Evidence that a Form 1099-C was sent to me and filed with the IRS regarding this account .

4. Verification Process : A detailed explanation of the process used to verify this loan and confirm its accuracy. 

Furthermore, the only documentation I have received is a contract that does not contain my signature. This raises serious questions about the legitimacy of the account and the verification process followed by your organization. 

Given that it has now exceeded the legal timeframe for providing this information, I am concerned about how the CFPB can close out this matter without ensuring that I receive the requested documentation. Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation into disputed accounts and provide accurate reporting. 

I demand that you either correct the inaccuracies or remove the account from my credit report entirely. Please respond to this letter within 30 days of receipt, as required by law. Failure to address this matter appropriately will result in further action, including escalation to the CFPB and potential legal remedies. 

Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mortgage Research Center, LLC
State: PA

Complaint narrative:
Bought my house in XXXX and did an interest rate buy down for 1 year ( hoping to refinance ). 

Before the year was up ( roughly 7 months ) I had to relocate for work, I moved to XXXX in XX/XX/year>. 

Wife ( now ex ) and XXXX children stayed in XXXX for kids to finish the school year while I established a foothold. I Bought a house in XXXX in XXXX, Family moved in XXXX. ( Both FInanced with Veterans United ) I believe XXXX of XXXX was the 1 year mark for our XXXX house, so the interest rate buy down came off at the same time the Tax Evaluation, so my mortgage increased as I expected. I logged onto the app, paid what said was owed via " pay now '' button, had perfect payment history. 

I started receiving calls in XXXX from Veterans United and every time they would say some version of " They weren't sure why they were calling me '' or " The payment hasn't been allocated '' I asked if it was hurting my credit, they said no. 

Living separately with XXXX mortgages and being the sole provider drained my savings and I realized I needed a loan since the interest rates didn't drop as everyone had hoped for. When I went to get the loan I found they had reported me late for months, My score had dropped drastically. 

When I called them, they accused me of lying, wouldn't help. I had to call for a month to continue to get escalated until finally the guy I speak with says he is the highest i can go. He spends an hour telling me I'm lying, even though I was paying almost $ XXXX in mortgages to them a month, this {$240.00} was my breaking point. When he finally finds the mistake he says out loud " I wonder how many other people this is happening to '' They " immediately '' began trying to correct the report, it took over a month for that to happen and I was still unable to get the loan. 

When I realized how long it was going to take I asked them if they could defer the current payment or help me in any way since their mistake is what caused this, and since by the time I was able to get the loan I would really be late on a payment - again caused by their mistake. They refused to do anything and said my options were a short sale or foreclosure.

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