vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) Re : Complaint Against XXXX XXXX XXXX and Pressler, Felt & Warshaw LLP Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding unlawful debt collection practices and credit reporting violations committed by XXXX XXXX XXXX and their law firm, Pressler , Felt & Warshaw LLP ( formerly Pressler & Pressler ). 

XXXX XXXX XXXX claims to have purchased a charged-off account from XXXX XXXX XXXX XXXX without my knowledge or consent. This debt has been reported to credit bureaus, causing harm to my credit profile, despite the fact that : 1. The original account was charged off and closed in XX/XX/XXXX. 
2. I never received notice or consented to the sale or assignment of the debt. 
3. XXXX XXXX has failed to validate the debt as required under 15 U.S.C. 1692g of the FDCPA.

4. They are furnishing inaccurate, unverified information in violation of 15 U.S.C. 1681s-2 of the FCRA.

Additionally, Pressler, Felt & Warshaw LLP has initiated a lawsuit ( XXXX XXXX. XXXX in XXXX XXXX XXXX NJ ) without proving legal standing or ownership of the debt. This constitutes a violation of the FDCPA for misleading and deceptive practices ( 15 U.S.C. 1692e ). 

Despite my written cease-and-desist demands sent on XX/XX/XXXX, both parties continue to pursue collection activities. They have not provided any documentation to prove ownership or legal right to collect. 


Attached are the following documents : - Cease-and-desist letter to XXXX XXXX XXXX. 
- Legal filing from Pressler, Felt & Warshaw LLP.

- Correspondence referencing the unverified and inaccurate credit reporting.

I respectfully request that the CFPB investigate this matter and hold these entities accountable for violating federal consumer protection laws. I am seeking complete removal of the tradeline from my credit reports and the cessation of all collection and legal actions. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I deposited XXXX in money orders to my account and fraud blocked all transactions saying the money orders werre altered and i went into the wells fargo branch and provided reiepts to the money orders as well as purchase reciepts and they still closed my account and i have to wait to access my XXXX that has cleared thr bank. THEY WERE NOT ALTERED. And i cant get another checking account because it was prenaturwly reported to 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 explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Account # XXXX My mortgage servicer, ShellPoint Mortgage Servicing, has charged me over {$30000.00} in erroneous escrow fees despite being fully aware that the property taxes were already paid. 

In late XXXX, I paid my {$72000.00} property tax bill directly to the county. ShellPoint, without need, also paid the bill and was refunded by the county in XX/XX/XXXX. Instead of closing the escrow account, ShellPoint has continued to charge me monthly escrow payments of over {$4000.00}, totaling more than {$30000.00} so far. 

I have made over 50 calls to ShellPoint since XXXX, provided all requested documentation, and was repeatedly promised escalation or resolution - none of which occurred. One representative even said, you need a lawyer. This appears to be a clear case of negligent servicing and potential violation of RESPA rules related to error correction and consumer protection. 

What I want : Immediate closure of the escrow account Full refund of the erroneous charges Written confirmation of the correction Oversight by CFPB to ensure ShellPoint complies with applicable mortgage servicing laws As well as a compensation for my lost time dealing with this issue. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I woke up to a XXXX dollar mobile deposit to my capital one checking account and I did not do this someone stole my identity and stole XXXX $ cash

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I am writing to formally contest the presence of a fraudulent account on my credit reports, linked to identity theft, and to demand immediate action in accordance with my rights as a consumer. 

Seven years ago, I experienced a traumatic incident at [ Airport Name ] when my wallet and luggage were lost, containing my driver 's license, Social Security card, and several credit cards. Despite extensive efforts to recover these items, I was unable to do so. Recently, I discovered multiple fraudulent accounts on my credit report that I did not open. I firmly believe these accounts resulted from the identity theft associated with the loss of my wallet and the subsequent compromise of my personal information. 

Additionally, I am a victim of the XXXX data breach, a breach that has further exacerbated the challenges I face as a consumer. It is unfair that my data has been breached and that I am now struggling with the ramifications of this identity theft. It feels unjust to have these negative accounts hanging over my head, impeding my ability to move forward with my financial life. 

I have filed a police report regarding this matter, and I have attached a copy for your review. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to have these fraudulent accounts investigated and removed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: NV

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the XXXX  this situation has caused me. Moreover, my information was impacted by the Equifax, Experian, and XXXX  data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-06-11 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 IN XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX/XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-11 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:
I attempted to contact the Bureaus concerning the absence of my credit report, despite my subscription to a monthly service with other credit monitoring providers. I have called, emailed, and mailed my documents to request an update in their system ; however, it has been three months without any response from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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, NC XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: AZ

Complaint narrative:
I am closing on a home and need dispute comments removed from my Experian report. I have called various numbers, exceeding 25 attempts to get a live agent to help with the request. I got through 1 time, and when calling to confirm on XXXX25-XXXX/25, I can not get a live agent. I only get an automated system that can not resolve my issue.

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 2025-06-11 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: DC

Complaint narrative:
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 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 XXXX XXXX DC XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : 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 explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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 SC XXXX ACCOUNTS : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$950.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$710.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date : 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 2025-06-11 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:
XXXX XXXX XXXX XXXX  Reported to collections on XX/XX/2025 Remarks : XXXX Consumer Financial Protection Bureau ( CFPB ), prohibits lenders from using medical debt to make creditworthiness determinations and requires credit reporting agencies to exclude medical debt from reports. 

This action from them dropped my credit report score XXXX points and added 1 collections account

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 2025-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I received a voicemail stating the following : This company is reporting that they purchased a debt from a XXXXXXXX XXXX XXXXXXXX from 2009. I have never had credit from this company. They refused to send me the credit card number, the credit card agreement. They sent this to my old address and threatened to sue me in court if I did not pay them {$1700.00} immediately. 

I have never received any documents from this company via mail. 
I called the XXXX XXXX XXXX XXXX XXXXXXXX XXXX and was notified that there was no filing. 


XXXX XXXX XXXX XXXX ( XXXX minute ago ) to me I am urgently contacting you from my local department of documents procedures and conduct regarding the absence of your response to the notice previously mailed to you immediate attention is required failure to respond to this notice will result in hand delivery of documents to your primary residence or place of employment which can be considered a failure to comply your immediate action is critical if you have any questions or concerns you can contact the issue office directly at phone number XXXX This message is intended for XXXX XXXX my name is XXXX I'm just giving you a call back XXXX XXXXXXXX we spoke on the phone not too long ago in regards to documents we've previously sent and in regards to a current matter that's assigned to our office I'm just giving you a follow up to let you know that I did speak to the department in regards to the case and the options of mediation on your case if you'd like me to go over that you can give me a call back at phone number XXXX I am available Monday through Friday from XXXXXXXX XXXX to XXXX XXXX mountain standard time and I'm gon na go ahead and extend a hold on your case XXXX XXXX until the end of the business thing Wednesday at XXXX XXXX  mountain standard time for you to get back in contact with me that week we can get your final statement on file again my direct phone number is XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: OK

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 Equifax 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 OK XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
REPORTING INFORMATION ON A CONSUMER 'S CREDIT REPORT WITHOUT THEIR WRITTEN CONSENT IS IDENTITY THEFT. I DID NOT GIVEANYONE WRITTEN OR VERBAL PERMISSION FOR THEM TO PLACE SUCH INFORMATION ON MY CONSUMER REPORT BECAUSE MYPRIVACYRIGHTS HAVE BEEN VIOLATED. I AM DEMANDING THE COMPANY BLOCK AND REMOVE THE ACCOUNT FROM MY CONSUMER REPORTNOLATER THAN 4 BUSINESS DAYS AFTER SUCH INFORMATION I'VE PROVIDED. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation