vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: NEW YORK COMMUNITY BANCORP INC
State: ID

Complaint narrative:
In XX/XX/XXXX my wife and I purchased a home using VA loan, she passed away XX/XX/XXXX and I lost half my income, home mortgage became delinquent and approached foreclosure it never went into foreclose status. In XXXX an investor purchased home using a Memorandum of Contract to avoid the foreclosure. I really did not know what this Memorandum of Contract was about. It has now been 6 years and this investor has not registered the sale with the mortgage holder. I am still listed as owner with mortgage lender also listed as owner in all credit bureaus. This has put me in a position unable to purchase a new home using my VA certificate and my ability to make other purchases because of credit bureau listing. I have tried to contact investor by phone but no response. I also sent a certified letter but again no response. The home has more than doubled in value so they have made plenty of funds from this sale. I am being held hostage with this 6 year situation and I can not move forward. I just need them to file the sale with the proper groups. I need help solving this unbearable situation. Because of my age there is a possibility I would not outlive this situation.

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 2025-05-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: VA

Complaint narrative:
XXXX XXXX Account # XXXX, I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: 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 remove 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 XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3300.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5300.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4400.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX * * XXXX XXXX  Balance : {$1400.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX * * * * Balance : {$2600.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4800.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4600.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$690.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$370.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX * * * * Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$310.00}. 
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. Ceaseanddesistasap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: Exeter Finance, LLC.
State: NC

Complaint narrative:
Request for Investigation and Verification of Deleted Item Exeter Finance LLC To Whom It May Concern : I am submitting a formal request for an investigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding the recent deletion of an account reported by Exeter Finance LLC from my credit report. 

I received a credit reporting notice showing the item as DELETED following a dispute. I have included a copy of this notice as supporting documentation, which confirms : EXETER FINANCE LLC In response to your dispute, this item was DELETED from your credit report. 

Under FCRA Section 611 ( 15 U.S.C. 1681i ), I am entitled to a full and transparent reinvestigation process, including : 1. Verification of the procedures used to determine the accuracy of the reported item ; 2. The name and contact information of the party who furnished the original information ; 3. The reasoning behind the removal whether the item was deleted due to being inaccurate, unverifiable, obsolete, or for another reason ; 4. Documentation that ensures compliance with consumer protection laws and that proper investigative standards were followed by the credit reporting agency and data furnisher.

If the deletion was not the result of a consumer-initiated dispute or was based on internal corrections or compliance actions, I request confirmation and explanation of that process. 

I respectfully ask the CFPB to verify that : The item has been permanently removed ; The reinvestigation process met FCRA standards ; No unauthorized or erroneous re-reporting will occur. 

Attached : Screenshot of credit report dispute result showing the deletion of Exeter Finance LLC. 

Please provide a written response with your findings. I appreciate your help in maintaining the integrity of the credit reporting system. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Equifax, TransUnion and Experian never reports my score or that's I have been a target of theirs and identity theft and security breachess of their fault. I'm seeking legal avenues now since they have yet to make anything right with 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 2025-05-30 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: CA

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) XXXX U.S. CXXXX  XXXX ( b ), billing error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: SC

Complaint narrative:
This letter serves as a formal dispute of the alleged debt being pursued by Radius Global Solutions LLC, as well as a cease and desist regarding all further contact concerning this matter. 

After reviewing your activity and verifying with the South Carolina Department of Consumer Affairs and XXXX XXXX XXXX XXXX XXXX, it has come to my attention that Radius Global Solutions is not licensed to collect debts in the state of South Carolina as required by state law. 

According to XXXX XXXX XXXX. XXXX, no entity may engage in consumer debt collection activity within the state without first being properly registered or licensed. By attempting to collect this alleged debt without legal authorization to operate in South Carolina, you are in violation of state licensing laws and are conducting unauthorized and unlawful business activities. 

Furthermore, your actions also violate several provisions of the Fair Debt Collection Practices Act ( FDCPA ), including : 15 U.S.C. 1692e ( 5 ) : Threatening or taking action that can not legally be taken 15 U.S.C. 1692e ( 10 ) : Using false, deceptive, or misleading means to collect a debt 15 U.S.C. 1692f : Engaging in unfair or unconscionable collection practices Additionally, if you have reported or continue to report this alleged debt to any consumer reporting agencies, such conduct may constitute a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681s-2, which requires all furnishers of data to ensure accuracy and lawful authority. 

I hereby demand that you : 1. Cease all collection efforts immediately 2. Provide proof of licensing in South Carolina as required by law 3. Cease all credit reporting activity and delete any accounts you may have reported to any consumer reporting agencies regarding this matter 4. Provide full validation of the alleged debt within 30 days of this notice

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 2025-05-30 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: TX

Complaint narrative:
I noticed several unauthorized hard inquiries on my credit report from companies I never applied for credit with. These inquiries were made without my knowledge or consent, in violation of FCRA 604. I have attached a detailed letter listing each inquiry. If the companies can not provide documented proof that I initiated a credit application, I request immediate deletion of these inquiries under FCRA 611.

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 2025-05-30 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: TX

Complaint narrative:
I noticed several unauthorized hard inquiries on my credit report from companies I never applied for credit with. These inquiries were made without my knowledge or consent, in violation of FCRA 604. I have attached a detailed letter listing each inquiry. If the companies can not provide documented proof that I initiated a credit application, I request immediate deletion of these inquiries under FCRA 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: PA

Complaint narrative:
This letter serves as my final formal notice concerning the inaccurate late payment listed on my credit report and your agencys ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite multiple prior disputes, you continue to report this negative item without providing any supporting documentation. A generic verified response does not meet your obligation under FCRA 1681i to conduct a reasonable reinvestigation. 

You have 30 days from the date of this letter to provide : Original, complete documentation from the creditor validating the alleged late payment ; A full description of your reinvestigation, including sources used ; Immediate deletion of the disputed items if not substantiated with original evidence. 

This issue aligns with recent enforcement actions by the CFPB, including the XX/XX/year> lawsuit against TransUnion for similar violations. Your conduct mirrors those cited failings and strengthens my legal position. 

You are also in violation of FCRA 1681e ( b ), which requires you to ensure maximum possible accuracy. Your failure to remove unverified data and refusal to provide original evidence constitutes willful noncompliance. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX I did not apply for this account this is fraud and I need it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Complaint Against : Capital One Date of Incident ( XXXX ) : Ongoing ( most recently on XX/XX/XXXX ) Products Involved : Credit Card XXXX XXXX XXXX XXXX / Billing Disputes Accounts Affected : Ending in XXXX, XXXX, XXXX, XXXX, and XXXX Complaint Summary : I am filing this complaint due to Capital Ones mishandling of my credit card accounts during a financial hardship and their failure to resolve a valid billing dispute. 

1. Hardship Program and Late Fees ( Accounts ending in XXXX, XXXX, XXXX, XXXX ) : I contacted Capital One to inform them of a financial hardship due to an emergency leave of absence. I was assured that I would be enrolled in a hardship program and would not be charged late fees while under this program. Despite these assurances, I have continuously been charged late fees across multiple accounts. I have made multiple calls to resolve this, and Capital One has failed to provide an explanation or correct the charges. 

I am requesting : A full explanation of why late fees were charged. 
Documentation of the hardship program I was allegedly enrolled in ( including terms and effective dates ). 
Immediate removal of any late fees charged during the protected period. 

XXXX. Unresolved Billing Dispute Account Ending in XXXX : On XX/XX/XXXX, I received an email from Capital One stating that my claim ( Case # XXXX ) was denied. The dispute involved a product I never received, even though tracking showed it as delivered. I contacted Capital One immediately and explained that the post office advised me to dispute the charge with my bank, but Capital One still denied the claim. To date, I have received no further updates or resolution. 

This has caused financial harm, inconvenience, and emotional stress. Capital One has failed to communicate or resolve the issue in a timely or professional manner. 

XXXX. Additional Concerns : Inconsistent handling and lack of documentation. 
Failure to follow through with customer protections. 
Pattern of negligence that raises concern based on Capital Ones past legal issues with deceptive practices. 

XXXX. Requested Resolution : Written explanation and correction of late fees related to the hardship program. 
Full investigation and reversal of the denied billing dispute ( Claim # XXXX ). 
All further communication must be mailed to me at my mailing address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I have/ had a Target credit card opened in my name from my first marriage, XXXX XXXX . I agreed to pay a settlement to take care of the balance and close the account. On XX/XX/year>, I set up an automatic settlement payment for a lump sum of {$290.00} to settle the account in full. The current account balance was {$440.00}. The transactions on my target account shows where {$290.00} for a E-Payment, target.com was made on XXXX. I also have my regions checking account that shows {$290.00} was deducted from my checking account. It was an automatic payment anyways so I knew it was going to come out. However, I have called Target 4 different times now and they put me on hold for 45 minutes or longer to look at my account and get this issue taken care of. They have not fixed this issue yet and it has dropped my credit score a total of XXXX points now. First they reported it 30 days late and then it was reported as 60 days late on my credit. They are still sending statements showing that I owe a debt and I in fact do not because I paid a settlement. I have a family to take care of and do not have time to spend 45 plus minutes on the phone with target on several different occasions because of an issue they have made. I am tired of calling and them sending emails and nothing is getting done! I paid and settled my account and I want it fixed and updated correctly and updated correctly with the credit bureau. It has been such a hassle for them to figure it out and it has not been figured out and it has been almost THREE MONTHS since I paid {$290.00} to settle this account. Its frustrating, time consuming, and taking time away from my family to deal with an issue that should have been resolved, if not with the first phone call I made at least the 2nd phone call I made to target to fix this issue!!! However 4 phone calls later and still it has not been fixed. No one has called to update me or let me know anything!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: CA

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) XXXX U.S. CXXXX XXXX ( b ), billing error.

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 2025-05-30 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: MD

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XXXX of 2019 I bought tires on my XXXX credit card and sometime after, I fell on hard time and was not able to pay on my credit card anymore. Now the account has been charged off and the account is reporting on my credit for all these years. I have since learned that I should have received a XXXX C in the amount of {$1100.00} and I never did. Transunion file # 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 2025-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servicing Solutions, LLC
State: IL

Complaint narrative:
I never authorized the debt Servicing Solutions is attempting to collect. They failed to provide any debt validation under FDCPA 1692g and processed multiple unauthorized ACH debits from my bank account in violation of EFTA 1693e. Despite my formal demand for validation and my dispute, Servicing Solutions continues to report this unverified debt to credit bureaus, damaging my credit and refusing to provide proof of the debts validity. I demand all collection efforts cease immediately, the account be removed from my credit file, and a full refund of unauthorized charges be issued.

Company response to consumer: Closed with explanation