vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: CBC Companies, Inc.
State: VA

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. 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 XXXX(private case number) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections 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 2025-05-01 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: NY

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with XXXX XXXX of the Fair Credit Reporting Act.

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 2025-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year> I got a notification from CashApp that they had detected fraudulent transactions and asked if it was me. I replied no. They ordered me a new card. At that time there were multiple ( XXXX ) pending transactions for {$1.00}, {$2.00} & {$4.00} each. And even tho I had responded immediately that the transactions were not me, and they had ordered me a new card, they allowed the transactions to be posted. And then the same thing happened again a week later and basically depleted my entire paycheck {$4.00} at a time. I had to file individual disputes for every single transaction which I did, and they refunded me on a couple of the {$1.00} and {$2.00} transactions but then denied the rest saying that my disputes were fraudulent. They then refused anymore attempts to correct the problem and deactivated my CashApp debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
Sent request of verification for financial statements and contract agreement, agreeing to such contract with 3rd Party Collector. No response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX 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 2025-05-01 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX 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 2025-05-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Complaint Summary ( Narrative ) : I am filing this complaint against Nationstar Mortgage LLC d/b/a Mr. Cooper for : Unlawful ACH debits made from my XXXX account XXXX XXXX XXXX XXXX  without valid authorization or contractual relationship, in direct violation of Regulation E ( 12 CFR 1005.10 ( b ), 1005.11 ( b ) ) ; Continuing to report to TransUnion and other credit bureaus despite no lawful assignment of the mortgage or promissory note having occurred ; Failure to rebut IRS tax filings, including Form 8281, 1099-OID, and 1096, that I submitted to correct the public record and declare the debt extinguished; Failure to respond to multiple formal administrative notices, demands for contract evidence, and tender of Accord & Satisfaction accepted via XXXX XXXX as their depository agent XXXX 

Details of Violation : Mr. Cooper has reported a mortgage tradeline to XXXX, listing a balance of {$89000.00}, despite : No assignment of the note or mortgage by XXXXXXXX or  XXXX ( confirmed by CFPB complaint responses ) ; No contract or consent to ACH was ever executed by me ; My XXXX account was used to make electronic payments, but no written authorization was given to Nationstar to open a remittance channel. 

I submitted a formal Regulation E demand to XXXX and Mr. Cooper, requesting full refund of unauthorized withdrawals totaling {$62000.00}, and closure of any ACH pathways. These were ignored. 

I also filed IRS tax forms : Form 8281 Notice of transfer of a debt instrument ; Form 1099-OID Declaring interest and original issue discount ; Form 1096 Transmittal to the IRS ; These filings were served to Mr. Cooper and the IRS, and have gone unrebutted, indicating failure to report or recognize their fiduciary and tax obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silenceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-01 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silenceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-01 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by EXPERIAN on my my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX * * on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 

2. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. 1.EXPERIAN has resorted to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 2.Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). EXPERIAN is flagrantly disregarding consumer protection statutes. I did not receive any notice from : Account Name : XXXX XXXX XXXX, Account Number : XXXX and Account Name : XXXX XXXX XXXX Account Number : XXXX * * accounts on my consumer report providing me the opportunity to dispute the validity of this debt within XXXX days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the Equifax breach and documents proving that I am a victim of identity theft. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that EXPERIAN remove these accounts from my credit report and cease all collection efforts immediately. Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-05-01 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: IL

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 explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
My vehicle was repossessed by Chase Auto because I fell behind by 4 months on payments. I intended to make a payment the same day it was repossessed, but they took the car anyway. When I contacted Chase to try to resolve the issue, they told me I would have to pay the entire remaining balance of the loan in order to get the car back. 

I explained to them that Ive been going through serious financial hardship, and that I even gave up my apartment so I could keep up with car payments and continue working. Despite my efforts and sacrifices, Chase is still refusing to help in any way. 

I specifically requested a loan reinstatement, where I would bring the account current and pay any repossession and storage fees, but they refused. Ive had a car repossessed in the past with another lender, and I was allowed to reinstate the loan and retrieve my vehicle without paying off the full balance. I dont understand why Chase wont work with me despite my willingness to resolve the issue and my hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: IL

Complaint narrative:
I am filing a complaint against Experian for continued reporting of a XXXX XXXX XXXX  that is inaccurately maintained, improperly verified, and potentially furnished by an unqualified third party. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA 605 ( a ) ( 1 ), bankruptcies may be reported for a maximum of 10 years from the date of filing. This entry is approaching the 10-year mark, yet no clear verification, original court documentation, or Metro 2compliant reporting has been provided. 
The courts do not report directly to Experian. Therefore, any data used to furnish this bankruptcy must be verified through a third-party vendor. If Experian can not validate the direct furnishing source and verify the entry per FCRA 1681e ( b ) and Metro 2 guidelines, it must be deleted.

I have requested legal documentation of the data source and confirmation of Metro 2 formatting compliance. If such documentation can not be provided, this reporting is unlawful and misleading.

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 2025-05-01 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: NY

Complaint narrative:
I am writing to formally dispute the accuracy of certain accounts on my credit report. These accounts were fraudulently opened while I was incarcerated, and I had no ability to authorize or conduct any financial transactions during that time. By continuing to report these accounts, you are supporting fraudulent activity. 
The fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have no knowledge of this account and have not received any communication regarding it. I request that you provide validation for this account, including the original creditors information and any supporting documentation. If validation can not be provided, I request that this account be removed from my credit report. 


Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I request that these accounts be removed from my credit file immediately. Enclosed, you will find copies of supporting documents, including my identification and relevant incarceration records. 
Please investigate this matter and correct my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation within 30 days. Kindly send me a written statement confirming the removal of these accounts. 
Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I am submitting a complaint against Jefferson Capital Systems , LLC regarding a debt they are attempting to collect which has already been resolved and is currently being paid through a structured settlement. 

The debt is related to an XXXX XXXX XXXX XXXX which was included in my debt settlement program with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The total amount settled was {$5700.00} and I have already paid over XXXX XXXX XXXX XXXX as verified by XXXX XXXX payment records. The settlement is currently active and being paid. 

However, on XX/XX/XXXX, Jefferson Capital sent me a letter requesting full payment of {$5100.00} for this same account. This is a duplicate collection attempt for a debt that is already being paid under a negotiated settlement. 

I sent Jefferson Capital a certified letter on XX/XX/XXXX, informing them of the settlement and requesting an updated account statement. As of today, I have received no response. 

In addition, XXXX has failed to refund over {$2100.00} in overpayments despite a formal refund request submitted on XX/XX/XXXX. I am now considering legal action against XXXX. 

Please investigate this matter and ensure that Jefferson Capital ceases this improper collection activity, and that XXXX is held accountable for withholding funds and failing to update creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: GA

Complaint narrative:
I am writing to formally dispute several inaccurate items currently reported on my Experian credit file. Under the protections afforded by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), and in light of your documented data breach, I request an immediate investigation and removal of the following derogatory accounts and inquiries. 
The following accounts should be reviewed for removal : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5300.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00} Additionally, the following inquiries appear without my authorization and should be removed : XXXX - XXXX on XX/XX/XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX on XX/XX/XXXXXXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX In compliance with federal law, if these accounts and inquiries can not be verified, they must be promptly removed from my credit report. I have included a copy of my government-issued identification and proof of residence for verification purposes.

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 2025-05-01 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-01 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: MN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief