vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Multiple XXXX XXXX withdrawals were taken from my account. I have tried to make a claim and dispute the charges totaling XXXX dollars, but they have denied my request multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: NY

Complaint narrative:
XXXXXXXX XXXX XXXX : # XXXX, has violated my rights.

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 2025-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I am writing to formally address serious concerns regarding the loan associated with the property located at XXXX XXXX XXXX XXXX, XXXX, AZ, which originated on XX/XX/year>. It has become evident that U.S. Bank is not the original lender of this loan and had no consideration in its purchase.

Despite having served U.S. Bank with certified mail requesting Debt Validation and an Affidavit of Truth, I have received no response. This lack of communication is unacceptable and raises significant questions regarding the legitimacy of the debt you claim I owe. 

As you are aware, I have requested copies of the Promissory Note and the Deed pertaining to this loan, as well as a signed contract dated XX/XX/year>, between U.S. Bank and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Your failure to provide these documents constitutes a violation of UCC 3-302, which requires a party to establish its status as a holder of the instrument before enforcing any claims.

Moreover, I must emphasize that reporting late payments to credit bureaus without proper validation of the debt is illegal and damaging to our credit. Under U.S.C. Title 15, Chapter 41, Subchapter V, Section 1692g, I have the right to demand proof of the debt you claim against me. Your continued failure to validate this debt not only violates federal law but also exposes U.S. Bank to potential legal claims for damages.

Furthermore, we have been forced into three modifications of the loan totaling {$55000.00}, {$5700.00}, and {$18000.00}, during which you have threatened foreclosure without providing adequate validation of the underlying debt. This practice is both unethical and unlawful. As established in XXXX XXXX XXXX XXXX XXXX XXXX banks do not lend money ; they create credit through promissory notes. This principle is reinforced by XXXX XXXX, which defines " consideration '' as something of value exchanged between parties, which appears to be absent in this instance.

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 2025-04-08 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: CA

Complaint narrative:
Upon reviewing my consumer credit reports, I noticed that late payments have been reported on an account for which I have never been late. This information is inaccurate and does not reflect my true payment history. 

As consumer reporting agencies play a vital role in maintaining the integrity of credit data, it is your responsibility to ensure that all reported information is accurate and verifiable to the fullest extent. 

I have attached a screenshot with this complaint that clearly shows on-time payments for the dates in question : XXXX XX/XX/year>. I am formally requesting a thorough investigation into this matter. Please provide supporting documentation or statements proving that these payments were, in fact, late. 

If such documentation can not be provided, I demand that these inaccuracies be corrected immediately and the payment history updated to reflect Paid as Agreed and On Time, as is accurate.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting a formal complaint regarding Transunion inaccurate reporting of child support obligations on my credit report, originating from the Florida Department of Revenue. This reporting is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). Under prima facie law, I possess the right to accurate and fair reporting of my financial obligations, free from erroneous or incomplete information. The inclusion of child support information, especially when inaccurately reflected or without verification, breaches this obligation. I have concrete evidence disproving the claim and demonstrating the reporting as unsubstantiated and misleading. I respectfully request the CFPBs intervention to investigate this matter and ensure that Transunion and the NY Department of Revenue take corrective actions. The removal of this unauthorized entry is crucial to protect my financial integrity and uphold my rights under the FCRA.

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 2025-04-08 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: PA

Complaint narrative:
When I checked my credit report earlier today, I was surprised to find accounts that shouldn't be there. This has never happened before, and I dont know what caused it. I tried reloading the browser in case it was a temporary error, but the incorrect accounts stayed. I'm requesting a thorough review of the documents I provided so I wont have to deal with this issue in the future.

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 2025-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted.

Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to block and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$820.00} Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
I have ongoing unresolved issue Ive been facing with Carrington Mortgage, where Ive been a loyal customer for 15 years. I have consistently paid my mortgage through auto-pay, but unfortunately, Ive had a few instances of payment breaches due to unauthorized transactions on my account. Despite these issues, Ive always ensured that my payments were made promptly, often within hours, using alternative payment methods. 

In XXXX, I experienced a breach with a company that had been able to withdraw funds from my account previously, but they had changed their name. As a result, Carrington did not receive my payment. However, I immediately made the payment via Bill Pay through my XXXX XXXX XXXX account. To my surprise, Carrington sent me a check for the same payment amount about three weeks later. When I called to inquire, I was told that the funds needed to be guaranteed, but I was not informed of this requirement in advance. 

When I asked whether I could cash the check, I was told yes, but I also learned that Carrington had, in effect, been punishing me for the NSF issue. They insisted that future payments should be made through Bill Pay with XXXX XXXX, which uses the same technology as XXXX  XXXX XXXX. However, despite following these instructions, Carrington continued to return my payments. This situation has escalated to the point where Carrington has reported me to all three credit
bureaus and recently sent me a letter initiating foreclosure proceedings. I am bewildered by how this can be possible, especially since I have consistently provided guaranteed funds through legitimate means. 

I am seeking your help to bring attention to this matter, as I believe I am being unfairly treated and punished for circumstances beyond my control. Carringtons actions have caused undue stress and financial hardship, and I would greatly appreciate any assistance or guidance you can provide. 
I have so far sent 3 payments XXXX, XXXX and XXXX that have all been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: LA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report a fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX # XXXX {$210.00} opened XXXXXXXX XXXX XXXX XXXX # XXXX {$310.00} opened XXXX .These accounts have resulted in a fraudulent accounts appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. CFPB Complaint against Credit Reporting Agency Equifax Consumer Name : XXXX XXXX XXXX Consumer Social Security Number XXXX Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate, account have resulted in an account appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as 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 as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint 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. What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Equifax credit reporting agency block all of the accounts, collections identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: MO

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: CA

Complaint narrative:
i was contacted by a creditor called First Source Advantage LLC claiming I owe a debt of {$490.00}. I deputed those charges as not mines. I am not liable for these debts to this collection agency trying to collect and report this to my credit agency. They did not provide me with original or any contract as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-04-08 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: NC

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-08 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: AZ

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-08 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:
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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX - XX/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 explanation
Consumer complaint received 2025-04-08 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: EdFinancial Services
State: NC

Complaint narrative:
I am filing this complaint against EdFinancial Services for engaging in deceptive and unlawful practices relating to the handling of my student loan information, including : - Unauthorized credit reporting - Privacy rights violations under FERPA and federal consumer protection laws- Evasion of accountability via improper referral to StudentAid.gov

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: FL

Complaint narrative:
I sent certified mail for the discrepancies and the identity theft on my account on XXXX, XXXX  and I received no response from them in the 30 days required. 

The companies continue to call and harass me for collections.

Company response to consumer: Closed with non-monetary relief