vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Demand to Cease Reporting and Remove Unauthorized Negative Item from Credit Report To Whom It May Concern, I am writing to formally dispute the validity of the debt that your agency is reporting on my credit report. The negative item associated with this alleged debt is hindering my ability to obtain credit and secure a home for my family. Your company has failed to adhere to the legal requirements under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), and I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies if necessary.

According to 15 U.S.C. 1692g of the FDCPA, within five days of your initial communication regarding the alleged debt, you were required to provide me with written notice containing the amount of the debt, the name of the original creditor, and my rights to dispute the validity of the debt. However, I have never received any such notification from your agency. 
Additionally, under 15 U.S.C. 1681s-2 of the FCRA, you are required to ensure the accuracy and validity of any information you report to consumer credit bureaus. Since you did not notify me or provide verification of this debt, you have failed in your legal obligation to ensure the accuracy of the information reported to credit agencies. 

Furthermore, in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ), the court ruled that unverified debts can not be legally pursued. Your failure to provide me with written notice, an opportunity to dispute, or any validation of the debt means you have no legal standing to continue reporting this account. 

Due to your violations of the FDCPA and FCRA, I am demanding that you immediately : 1. Cease reporting this negative item to all credit reporting agencies.

2. Remove the account from all credit bureaus ( XXXX, XXXX, and XXXX ). 
XXXX. Provide written confirmation that the account has been deleted. 
If you fail to comply with these demands within 15 days, I will have no choice but to file a formal complaint with the CFPB, the Federal Trade Commission ( FTC ), and my states Attorney Generals office. I will also consider pursuing legal action for damages caused by your unlawful reporting practices. 

This letter serves as my formal notice under the FDCPA and FCRA. I expect immediate compliance with my request. Failure to do so will result in further action. 

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 2025-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I started having an issue with Mr. Cooper not applying payments that were sent by the HomeOwners Assistance Program. Mr. Cooper would not apply the payments and returned them, the HomeOwners Assistance Program sent it again, but Mr. Cooper still has not applied the funds. Mr. Cooper received the funds in XXXX and did not return them until XXXX to the HAP AFTER I told them that I did not have a past due balance. I have attached all of the documents that I sent to everyone. Mr. Cooper stated they didn't apply it because I was " in the process '' of a program. I did not sign anything and Mr. Cooper added fees that were unnecessary. Thanks to their mismanagement, I have had to file bankruptcy to save my house. The money that was sent to Mr. Cooper should still be applied to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Kikoff Inc.
State: MI

Complaint narrative:
I was involved in a money scandal in which I had no intention on putting myself in this type of situation. Back in XXXX & XXXX I was facing hardships so I gave out personal details to help improve my situation. My situation did not only worsen but since then I havent been able to get approval for anything such as loans, credit cards ( to enhance my credit ), checking & savings accounts, etc. Its even hard to find employment. Under the care of my grandparents Ive been able to stay afloat but theyre getting older and as a XXXX XXXX  man I fear that something has to be done about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: TN

Complaint narrative:
This is the XXXX case that I submitted through here. XXXX  XXXX XXXX nor Experian has not provided me with proof that I initiated the inquiry ( Bank XXXX XXXX XXXX ) written or verbal. I demand this get removed. After XXXX cases nothing has been shown, and still that inquiry is still on my credit report. XXXX  XXXX XXXX and Experian has allowed fraud with my information. I have mailed out certified letters asking both XXXX XXXX XXXX and Experian for proof I initiated such inquiry, nor written authorization and have failed to provide any permissible purpose. Experian has not provide proof that I authorized this inquiry. All they did was given me an excuse for why they have allow this to happen. XXXX XXXX XXXX has not provide proof that I authorized this inquiry. Attached is a copy of the certified letter that I have sent out to Experian ask for the proof. It has been months and I still have not seen any proof, why because " I DID NOT AUTHORIZE THIS INQUIRY ''. Also again this is the fourth case that I have submitted through the CFPB and still neither XXXX  XXXX XXXX or Experian has provided me proof that I have authorized this inquiry which against the Fair Credit Reporting Act. This will be the XXXX time that I have submit paperwork in one shape way or form asking for this inaccuracies to be removed. Experian has cost me time and money for a mistake they have made and have refused to correct. Why is this allowed to happen? " I have not given XXXX  XXXX XXXX XXXX Experian authentication for any inquiry having to do with this matter ''. THIS IS FRAUD AND ILLEGAL. A copy of the letter that was mailed is attached a copy of all the past cases is attached as well ( This is the inquiry that I'm referring too ) Creditor : XXXX XXXX XXXX XXXX XXXX : XX/XX/year> According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete

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 2025-04-01 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: KY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
XX/XX/2023 Purchased vehicle {$1000.00} charged for deposit non refundable From XXXX XXXX. 

Purchase price {$23000.00} finance fees began, vehicle not in posession due to discrepancies between financing and lender. Interest rates accumulating We still do not have clarification on where the {$3000.00} we paid to DMV are, they have never been refunded nor applied to our account. 
I still do not have any clarification on what my payments are going to be in total, what my interest rate is nor at the very least an amortization schedule. To top things off, we are being charged insurance, we have never needed since day XXXX, we provided. I'd like to receive answers on the below XXXX ) Correction of purchase loan amount should have been {$22000.00} XXXX ) APPLIED TO BALANCE {$1000.00} deposit XXXX ) Discrepancy on loan amount XXXX ) failure to disclose interest rate XXXX ) reimbursement of registration fees is all still pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-04-01 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: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payment for the account : XXXX XXXX XXXXXXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-01 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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:
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 2025-04-01 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: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
Introduction I am writing to formally dispute the late payment reported by all three credit bureau agencies for the month of XXXX. I firmly believe that this report is inaccurate and wish to provide you with evidence and details supporting my case. 
Background As stated in my divorce agreement, I am responsible for paying all household bills until I move out. I moved out on XX/XX/XXXX and signed my new lease in Florida on XX/XX/XXXX. All previous balances were paid XXXX month prior to their respective due dates. For example, paying the bill in XXXX covered the mortgage for XXXX, and paying the bill in XXXX covered the mortgage for XXXX. Which is documented in all the credit Bureau documents under Penny Mac loan services on my credit report.

Details of the Dispute Moved out date : XX/XX/XXXX Lease signed : XX/XX/XXXX All balances paid up to date : XXXX XXXX  prior XXXX mortgage payment : Not my responsibility it is and was XXXX XXXX Evidence I have enclosed the following documents to support my claim : Divorce agreement plus page XXXX, - XXXX paragraph XXXX stating my responsibility to pay XXXX  % of household bills until I move out, ( XX/XX/XXXX. ) XXXX agreement signed on XX/XX/XXXX. 
Moved out on XX/XX/XXXX. 

Conclusion Given that I moved out on XX/XX/XXXX and was up to date with all payments until then, I am not responsible for the XXXX mortgage payment. I kindly request that the incorrect late payment reported be removed from my credit file for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XX/XX/year> - home depot credit card was used in XXXX XXXX  for {$890.00} around noon - XXXX was the cashier XX/XX/year> - I received an email saying thank you for your purchase from XXXX XXXX - that's when I realized that something was incorrect XX/XX/year> - called home depot fraud department and put in a fraud claim - was notified that it would take 30 days to investigate. home depot responded back to me about a week later stating that i was found responsible for the charges for 2 reasons - 1 ) i didn't claim it was fraud ( even though the document that they sent said regarding your fraud claim and 2 ) they couldn't disprove it was me ( but also didn't check their surveillance for the investigation ) called home depot fraud department again disputing and the rep on the phone hung up on me for being unprofessional filed XXXX police reports- XXXX in XXXX XXXX for identity theft and XXXX in XXXX XXXX  for 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 2025-04-02 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: TN

Complaint narrative:
I am writing to bring to your attention a serious issue regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), Experian, XXXX, XXXX, and their reporting practices related to charge-offs on my credit report. It has come to my notice that XXXX XXXX, Experian, XXXX, and XXXX has reported multiple charge-offs for each account every single month since the accounts were initially charged off. This practice is in direct violation of the Fair Credit Reporting Act ( FCRA ).

Under the FCRA, specifically 15 U.S.C. 1681c, a charge-off should only be reported once and should not be updated or repeated after the initial reporting. By continuing to report these charge-offs each month, XXXX XXXX XXXX Experian, XXXX, and XXXX is not only misrepresenting the status of my accounts but also inflicting considerable damage to my credit profile. 

I demand the immediate removal of the two charge-off accounts reported by XXXX XXXX from my credit report. Their actions constitute a violation of the FCRA, and it is critical that corrective measures are taken to rectify this situation. 

I appreciate your prompt attention to this matter and request that you investigate XXXX XXXX 's reporting practices thoroughly. I look forward to your swift response and the resolution of this issue. 

Thank you for your assistance.

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 2025-04-02 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: TN

Complaint narrative:
I am writing to bring to your attention a serious issue regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, Equifax, and their reporting practices related to charge-offs on my credit report. It has come to my notice that XXXX XXXX, XXXX, XXXX, and Equifax has reported multiple charge-offs for each account every single month since the accounts were initially charged off. This practice is in direct violation of the Fair Credit Reporting Act ( FCRA ).

Under the FCRA, specifically 15 U.S.C. 1681c, a charge-off should only be reported once and should not be updated or repeated after the initial reporting. By continuing to report these charge-offs each month, XXXX XXXX XXXX XXXX, XXXX, and Equifax is not only misrepresenting the status of my accounts but also inflicting considerable damage to my credit profile. 

I demand the immediate removal of the two charge-off accounts reported by XXXX XXXX from my credit report. Their actions constitute a violation of the FCRA, and it is critical that corrective measures are taken to rectify this situation. 

I appreciate your prompt attention to this matter and request that you investigate XXXX XXXX 's reporting practices thoroughly. I look forward to your swift response and the resolution of this issue. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TD BANK US HOLDING COMPANY
State: HI

Complaint narrative:
On XXXX-21 my co-worker and I purchased a brand new vehicle. The vehicle was totaled. TD auto finance has all insurance information and was paid by one of my insurance companies and not the second insurance company, because my co worker filed Bankruptcy. They reported this as a charge off on my credit when I am the primary borrower with all of the insurance coverage. Just because my co worker filed XXXX does not mean they should be ruining my credit as I have and had plenty of coverage to pay this vehicle off. I confirmed this morning they new all of this. I spoke with many rude people at this company none of which want to get this resolved. I spoke with XXXX XXXX who was very rude and offered no solutions and said he was the only person we could speak with about this mishap. Once my co -worker filed XXXX the company stopped communicating with me and I had no idea any of this was an issue until I applied for credit. Then I called and got these answers from them. TD auto finance should not be able to ruin my credit because they dropped the ball.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: NC

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I submitted disputes for installment account with bridecrest onXXXX for the amount of {$11000.00}. I asked for a debt validation letter and the chain of command. regarding regulation F. I never received anything back.

Company response to consumer: Closed with explanation