vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Village Capital & Investment LLC
State: CA

Complaint narrative:
On XX/XX/year>, I contacted Village Capital & Investment LLC regarding their advertised mortgage assistance program. During a recorded call, their representative stated that they pick and choose who they assist and told me my family would not qualify. No application or written explanation was provided. 

On XX/XX/year>, I received a Notice of Default from Village Capital dated XX/XX/year>. That same day, I mailed a good-faith payment of {$3200.00} to Village Capital . On XX/XX/year>, Village Capital sent a letter dated XX/XX/year>, stating that they did not cash the check. 

On XX/XX/year>, I received a letter from Village Capital stating that my mortgage was either paid off or transferred to another servicer, but the letter did not specify which company took over the servicing. It only contained escrow information. That same day, XXXX XXXX  issued a demand letter requiring a payment of {$19000.00} by XX/XX/year>. However, I did not receive XXXX letter until XX/XX/year>. 

On XX/XX/year>, I sent Village Capital a formal Qualified Written Request ( QWR ) requesting a full payment history, escrow information, documentation of the loan transfer, and an explanation regarding denial of assistance. I also mailed another good-faith payment of {$3200.00}, which was cashed by Village Capital XXXX XX/XX/year>. No response to the XXXX was ever received. 

On XX/XX/year>, XXXX XXXX issued a Notice of Default demanding a reduced payment of {$16000.00} by XX/XX/year>, or foreclosure proceedings would begin. 

Throughout this process, no formal servicing transfer notice was provided from XXXX XXXX or XXXXXXXX XXXX, in violation of RESPA. Additionally, XXXXXXXX XXXX has improperly attempted to deliver account-specific documents to my spouse, who is not a party to the mortgage loan. 

We are disputing the loan status, requesting validation of servicing rights, application of payments, and immediate cessation of foreclosure activity pending resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: FL

Complaint narrative:
I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 
XXXXXXXX XXXX XXXXXXXX * * * * * * * * * * * Date Opened : XX/XX/XXXX {$920.00} XXXX XXXX XXXX XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX {$1800.00} XXXX XXXX XXXX XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX {$2300.00} XXXX XXXX XXXX XXXX * * * * * * * * Date Opened : XX/XX/XXXX {$53000.00} XXXX XXXX XXXX XXXX * * * * * * * * Date Opened : XX/XX/XXXX {$32000.00} XXXX XXXX XXXX XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX {$25000.00} XXXX XXXX XXXX XXXXXXXX * * * Date Opened : XX/XX/XXXX {$300.00} XXXX XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * Date Opened : XX/XX/XXXX {$13000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX Experian P.O. XXXX XXXX XXXX, TX XXXX Subject : Formal Direct Dispute Request for Deletion of Inaccurate Account Information Dear Experian Disputes Department, I am writing to formally dispute the inaccurate and unauthorized accounts that have been reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681c2 ( Identity theft and blocking of fraudulent information ), 15 U.S.C. 1681b ( Permissible purposes for access to consumer reports ), 15 U.S.C. 1681d ( Disclosure of investigative consumer reports ), 15 U.S.C. 1681e ( Compliance procedures ), 15 U.S.C. 1681g ( Disclosures to consumers ), 15 U.S.C. 1681c ( Requirements relating to information contained in consumer reports ), 15 U.S.C. 1681c-1 ( Identity theft prevention ; fraud alerts and active duty alerts ), and 15 U.S.C. 1681h ( Conditions and form of disclosure to consumers ), I am requesting immediate investigation and deletion of the following accounts : Accounts to Be Investigated and Removed : 1. XXXX  XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX  Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ) Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX XXXX Account # XXXX Upon reviewing my credit file, I have determined that these accounts contain inaccurate, unverifiable, and/or unauthorized information.

I formally request : 1. A thorough reinvestigation of each listed account in compliance with 1681e.

2. Full validation and verification documentation, including signed contracts, complete payment histories, and evidence of permissible purpose for collection under 1681b and 1681g.

3. Cessation of reporting the accounts to any consumer reporting agencies during the investigation as outlined under 1681c2.

4. Deletion of any account that can not be verified under the FCRA within 30 days.

Failure to comply will result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and other regulatory agencies. I also reserve my right to pursue legal action.

Please forward all written responses and documentation to the mailing address provided above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX ( Last 4 Digits ) : XXXX Date of Birth : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX Experian P.O. XXXX XXXX XXXX, TX XXXX Subject : Formal Direct Dispute Request for Deletion of Inaccurate Account Information Dear Experian Disputes Department, I am writing to formally dispute the inaccurate and unauthorized accounts that have been reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681c2 ( Identity theft and blocking of fraudulent information ), 15 U.S.C. 1681b ( Permissible purposes for access to consumer reports ), 15 U.S.C. 1681d ( Disclosure of investigative consumer reports ), 15 U.S.C. 1681e ( Compliance procedures ), 15 U.S.C. 1681g ( Disclosures to consumers ), 15 U.S.C. 1681c ( Requirements relating to information contained in consumer reports ), 15 U.S.C. 1681c-1 ( Identity theft prevention ; fraud alerts and active duty alerts ), and 15 U.S.C. 1681h ( Conditions and form of disclosure to consumers ), I am requesting immediate investigation and deletion of the following accounts : Accounts to Be Investigated and Removed : 1. XXXX  XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX  Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ) Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX XXXX Account # XXXX Upon reviewing my credit file, I have determined that these accounts contain inaccurate, unverifiable, and/or unauthorized information.

I formally request : 1. A thorough reinvestigation of each listed account in compliance with 1681e.

2. Full validation and verification documentation, including signed contracts, complete payment histories, and evidence of permissible purpose for collection under 1681b and 1681g.

3. Cessation of reporting the accounts to any consumer reporting agencies during the investigation as outlined under 1681c2.

4. Deletion of any account that can not be verified under the FCRA within 30 days.

Failure to comply will result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and other regulatory agencies. I also reserve my right to pursue legal action.

Please forward all written responses and documentation to the mailing address provided above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX ( Last 4 Digits ) : XXXX Date of Birth : 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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 explanation
Consumer complaint received 2025-04-27 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: NY

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: FC HoldCo LLC
State: MD

Complaint narrative:
On XX/XX/XXXX, I purchased a car from XXXX XXXX XXXX, {$10000.00}, which I paid in cash. My last payment was on XX/XX/XXXX. I had a remaining balance when the vehicle was involved in an accident. The insurance covered most of the cost, and the company agreed to cover the remaining balance due to the circumstances. 
The credit company CarfinXXXX is still reporting derogatory information on my account even though the account shows paid.

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 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
Theres a outstanding balance of XXXX $ from an auto loan from Credit Acceptance corp thats on my credit reportI need it removed 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 explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Office of Michael J. Scott, PC
State: SC

Complaint narrative:
Subject : Urgent Complaint Against Scott and Associates Failure to Validate Debt and Improper Legal Action To Whom It May Concern, I am submitting this formal complaint regarding Scott and Associates, a debt collection law firm that has not only failed to comply with my lawful request for debt validation but has also initiated a lawsuit against me without providing adequate documentation to support their claim. 

On XX/XX/year>, I sent a certified letter requesting validation of an alleged debt they claim I owe. This letter was received, yet I did not receive any proper response. Recently, I received a copy of a bill from XXXX is not sufficient validation under the Fair Debt Collection Practices Act ( FDCPA ). I specifically requested documentation proving the debt is mine and that the amount is accurate. 

Instead of properly validating the debt, Scott and Associates moved forward with legal action, filing a lawsuit in my local court. This is completely inappropriate, as they are attempting to collect on a debt without satisfying my lawful request for verification. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX and XXXX, I have the right to receive copies of all documents used to verify this alleged debt. If they do not have such documentation, they must cease all collection activity and remove any reference to this debt from my credit report. Simply stating the debt has been verified without providing supporting documentation is not acceptable or legal. 

I am now demanding that the lawsuit filed by Scott and Associates be retracted immediately. This letter also serves as my final attempt to resolve this matter outside of court. If the requested documents are not provided, or if this lawsuit is not withdrawn, I will take legal action to protect my rights and pursue any and all remedies available to me under federal law. 

Please investigate this matter and hold Scott and Associates accountable for their failure to comply with the FDCPA and FCRA. 

Thank you for your attention and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked immediately. Enclosed is a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and should be blocked : Fraudulent Account to Be Removed : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries to Be Removed : 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  - XX/XX/2024 As required by law, this fraudulent information should be blocked for at least XXXX year, after which I may request an extension of the block. During this time, you may not report this information on my credit file or indicate that my report contains any fraudulent data. 
I have contacted the Equifax on several occasions to report these fraudulent accounts, yet I have not received any resolution. This situation is seriously affecting my ability to qualify for a new home for my children. These same accounts were deleted and not verified by other credit bureaus, which raises serious questions about their legitimacy. 
I have also requested verification and contract documentation from the companies reporting these accounts, and more than 60 days have passed without any response. Therefore, I am requesting immediate action. 
Enclosed is my FTC Identity Theft Report. I respectfully request that you make a fair and just decision regarding my situation. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
At my request, Citizens enrolled me in a hardship plan for my credit card account based on my financial difficulties. In my first payment under the plan, Citizens erroneously paired my XXXX XXXX  XXXX account number with the wrong routing number, creating a payment processing problem. Instead of reasonably investigating the problem, Citizens terminated the account and the plan, and reported my debt as delinquent with the credit reporting agencies. Citizens took this unfair and damaging action without even notifying me, despite knowing my financial vulnerability. This practice, void of customer notification and void of reasonable investigation, is unfair and predatory in nature. Despite my numerous attempts, Citizens failed to rectify this situationand worse yetCitizens obstructed my efforts with willful disregard. This has severely damaged my credit history, exacerbated my financial hardship, and thwarted my ability to obtain rental housing. The attached documentation provides details and support regarding this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: ND

Complaint narrative:
b'Comenity bank has been making several calls, the majority of them automated, multiple times a week, they go from threats to hey lets talk about your tax refund then back to threats. This is one of their many automated calls This This information submitted has reached an escalated status A decision is being prepared in regards to this matter the decision rendered may directly impact you without a response Contact Comenity Bank at XXXX XXXX XXXX XXXX again the number is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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:
XXXX XXXX XXXX is violating FCRA by : Falsely reporting XXXX XXXX XXXX  balance ( XXXX ) afterchargeoff/sale ( XXXX ) afterchargeoff/sale ( XXXX ). 

Misleading " past due '' status ( a charged-off debt can not be " past due '' ). 

XXXX XXXX XXXX is violating FCRA/FDCPA by : Inflating the debt to XXXX XXXX XXXX ( XXXX ( XXXX ). 

Duplicating the debt already reported by XXXX XXXX. 

XXXX XXXX  Demand deletion of both accounts for inaccuracies : XXXX XXXX is reporting a balance on a sold/charged-off debt. 

XXXX XXXX is double-reporting with an illegally inflated balance. 
This violates FCRA 605 and FDCPA 808. Provide proof of debt ownership and accounting or remove immediately. " * Both companies are double reporting this debt by changing the amount owed and the account numbers. XXXX XXXX XXXXXXXX XXXX XXXX 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 2025-04-27 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: CITIBANK, N.A.
State: PA

Complaint narrative:
After reviewing my credit reports I noticed that you are alleging accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to 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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Collection at Law, Inc. A.P.C.
State: CA

Complaint narrative:
XXXX XXXX, XXXX, a XXXX company located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX represented by Collection at Law, Inc. XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX The attorney handling this matter is XXXX XXXX XXXX. 

XXXX XXXX alleges that I obtained a loan through their company, which defaulted approximately five years ago. At the time, I held a 45 % ownership interest in a business located in XXXX, XXXX, known as XXXX XXXX. They claim that the business received a loan in the amount of {$85000.00}, which remains unpaid. 

Representatives of XXXX XXXX have contacted me by phone, threatening to pursue legal action to seize my personal assets. Additionally, both XXXX XXXX and their law firm, Collection at Law , Inc., have violated my legal rights and submitted false and misleading documents to the court in an effort to wrongfully obtain a judgment against my property.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation