vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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: FL

Complaint narrative:
please see letter attached- I am requesting that the FTC assist in investigating this matter and help ensure that the fraudulent accounts and inquiries are removed from my credit report. I am deeply concerned about the unauthorized use of my personal information and the impact this is having on my credit .I did not authorize any of these inquiries, and I am concerned that my personal information has been compromised. I kindly request that an investigation be conducted to address these unauthorized inquiries, and I would appreciate any assistance in resolving this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against [ Creditor Name ] regarding an account I have with them, XXXX XXXX XXXX ]. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove Here are the details of my complaint : Creditor Name : XXXX XXXX XXXX Account Number/Reference Number : XXXX I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with XXXX XXXX XXXX, buttonoavail.

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 2025-03-21 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have filed 2 disputes, 1 for {$590.00} and 1 for {$350.00}, both from XXXX  because my account was hacked. I was informed today that the dispute is being denied even though XXXX acknowledged my account being hacked and emailed me to tell me that I would receive the money back via dispute process. TD Bank has no helped me and I am going to be out of over {$900.00} due to unauthorized transactions, XXXX  has told me I have to get the money back from the bank as they arent refunding me because of the dispute/chargeback and now TD Bank is denying the claim. I was told over the phone that the amount will be taken from my account on XX/XX/XXXX and XX/XX/XXXX, I dont believe this is fair because they still have not attached my supporting documents to the claim. I asked for them to please attach the supporting documents and review the claim again before denying it or taking the money from me, AGAIN. I had 1 person call me and then close my CFPB case out without ever speaking to me and I am practically begging for some assistance with this from TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: 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. 


Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2025-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
To whom it may concern, I, XXXX XXXX, the natural person and consumer, am writing to you as the intended recipient of your recent communication regarding an alleged debt referenced above. Be advised that I DO NOT acknowledge this alleged debt, nor do I have any contractual obligation with CREDIT COLLECTION SERVICES. I hereby formally DISPUTE and REFUSE to pay this alleged debt and assert my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to 15 U.S. Code 1692c ( c ), you are hereby directed to CEASE AND DESIST from any and all further communication with me regarding this alleged debt. This includes, but is not limited to, phone calls, emails, letters, text messages, or any attempt to contact me via any medium or third party. 


XXXX XXXX Authorized Signatory and Natural Person All Rights Reserved Without Prejudice

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
An identity thief has taken control of my Experian account. The company does not provide a real way to speak with a customer representative to resolve this situation. I am attempting to regain control of my account, or simply to close it.

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 2025-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I have filed complaints against XXXX XXXX and have had them deliberately avoid submitting a response specifically addressing my request/complaint. 
XXXX XXXX has now found a new way to avoid answering my complaint and that is to claim to have sent me their response directly, not posting it on the CFPB portal. 
I have never received a response from XXXX for either complaint that they claim to have responded to. 
As the consumer, I do not object to the responses being published on the CFPB portal. In fact, I insist the responses be made public and be posted on this forum.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: DISCOVER BANK
State: CT

Complaint narrative:
XXXX continues to mishandle my identity theft claim despite multiple CFPB complaints and submission of FTC and police reports. They are disregarding federal law under the FCRA by maintaining fraudulent accounts as disputed instead of blocking or removing them. Their latest email even contained a misspelling of my middle name, proving their lack of attention and care. Ive submitted all necessary documents, yet they keep asking me to verify information thats already been provided in my identity theft packet. This is a delay tactic to obstruct my rights. 

I spoke with Discover Bank yesterday, and they claimed they had to send the matter to their backend team, which is another delay tactic. When I asked on the call what legal basis allows them to override federal law under the FCRA, they had no answer and tried to dismiss me by suggesting I leave a voicemail. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Experian continues to mishandle my identity theft claim despite multiple CFPB complaints and submission of FTC and police reports. They are disregarding federal law under the FCRA by maintaining fraudulent accounts as disputed instead of blocking or removing them. Their latest email even contained a misspelling of my middle name, proving their lack of attention and care. Ive submitted all necessary documents, yet they keep asking me to verify information thats already been provided in my identity theft packet. This is a delay tactic to obstruct my rights. 

I spoke with XXXX XXXX yesterday, and they claimed they had to send the matter to their backend team, which is another delay tactic. When I asked on the call what legal basis allows them to override federal law under the FCRA, they had no answer and tried to dismiss me by suggesting I leave a voicemail. This is unacceptable.

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 2025-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I have a couple of mortgages with XXXX  they sold my loans to Mr. Cooper and this mortgage company does sent me few letters with phone numbers to call if I have a question but they don't have any human that I can talk to, everything goes to the automatic system and they can't give me an answer. I have been trying to call them and it's impossible to reach out. I called XXXX  to ask them if is any other way that I can contact Mr. Cooper and they told me that a lot of people have the same issues. I think this should be ilegal to keep people not well informed about the loan we currently have with Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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. This account has violated my rights. 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. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX ct XXXX, Virginia XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio, XXXX Re : Formal Dispute of Charge-Off Entry under FCRA Account Number : [ XXXX ] Dear Sir/Madam, I am writing to formally dispute a charge-off entry on my credit report regarding account number [ XXXX ] with [ XXXX XXXX XXXX ]. I assert that this charge-off is inaccurate, and I am requesting its immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I request an immediate investigation into the accuracy and validity of this entry. Specifically, I believe that the charge-off entry is incorrect due to the following reason ( s ) In accordance with 15 U.S.C. 1681i ( a ), I am requesting that you conduct a reasonable investigation into this disputed item. Please provide me with all relevant documentation and evidence that supports the validity of the charge-off, including any communications, notices, or other records that substantiate the charge-off date and the amount involved.

Additionally, under 15 U.S.C. 1681e ( b ), all information on my credit report must be accurate, and I am entitled to a complete and accurate reflection of my credit history. If the charge-off can not be substantiated, I request that it be removed from my credit file immediately.

I further assert that under 15 U.S.C. 1681i ( a ) ( 6 ), you are required to complete your investigation within 30 days from receipt of this letter. I expect that this matter will be resolved in full compliance with the FCRA, and I request that you notify me in writing of the outcome of your investigation. 

Should the charge-off remain on my credit report without proper evidence or if your investigation does not satisfy the requirements under the FCRA, XXXX will have no choice but to escalate this dispute to the Consumer Financial Protection Bureau XXXX CFPB ) and/or seek legal counsel for further resolution. 

Please provide a written response to my request for information and any updates to the status of the investigation at your earliest convenience. I also request that you send me a copy of the updated credit report once this issue has been resolved. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX ct XXXX, Virginia XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio, XXXX Re : Formal Dispute of Charge-Off Entry under FCRA Account Number : [ XXXX ] Dear Sir/Madam, I am writing to formally dispute a charge-off entry on my credit report regarding account number [ XXXX ] with [ XXXX XXXX XXXX ]. I assert that this charge-off is inaccurate, and I am requesting its immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I request an immediate investigation into the accuracy and validity of this entry. Specifically, I believe that the charge-off entry is incorrect due to the following reason ( s ) In accordance with 15 U.S.C. 1681i ( a ), I am requesting that you conduct a reasonable investigation into this disputed item. Please provide me with all relevant documentation and evidence that supports the validity of the charge-off, including any communications, notices, or other records that substantiate the charge-off date and the amount involved.

Additionally, under 15 U.S.C. 1681e ( b ), all information on my credit report must be accurate, and I am entitled to a complete and accurate reflection of my credit history. If the charge-off can not be substantiated, I request that it be removed from my credit file immediately. 

I further assert that under 15 U.S.C. 1681i ( a ) ( 6 ), you are required to complete your investigation within 30 days from receipt of this letter. I expect that this matter will be resolved in full compliance with the FCRA, and I request that you notify me in writing of the outcome of your investigation. 

Should the charge-off remain on my credit report without proper evidence or if your investigation does not satisfy the requirements under the FCRA, XXXX will have no choice but to escalate this dispute to the Consumer Financial Protection Bureau XXXX CFPB ) and/or seek legal counsel for further resolution. 

Please provide a written response to my request for information and any updates to the status of the investigation at your earliest convenience. I also request that you send me a copy of the updated credit report once this issue has been resolved. 

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

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 non-monetary relief
Consumer complaint received 2025-03-21 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: AL

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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 2025-03-21 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: VA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: TN

Complaint narrative:
I called XXXXinebarger Goggan Blair & Sampson, LLP to inform them I had already spoken with the Massachusetts Department of Transportation and they looked at the vehicle photo and confirmed it was not my registered vehicle. They told me they would take care of it, but now it has gone to the law firm as collections and they are threatening my registration/license. I informed the law firm it was not me and asked them to look at/provide the photo of my vehicle which is referenced in the debt. They informed me they don't have it and that it is my responsibility to prove I don't owe the debt. I informed them the " burden of proof '' is on the debtor and not the person who supposedly owes the debt, and they continued to inform me I had to prove I didn't owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
I have an account with navy federal credit union. Someone got hold of my card and account details and made unauthorized purchases on my account. I did not realize card was missing because I was using XXXX XXXX. When realized immediately blocked card and called XXXX XXXX XXXX. I have documentation and proof I was in New Jersey when these charges happened and was not in New York. My hope is to get this issue resolved as I lost a lot of money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation