vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: OH

Complaint narrative:
In response to your recent communication regarding an alleged debt. I hereby notify you that I dispute the validity of this alleged debt and exercise my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, to request full validation.

In addition, I am invoking my rights to cease all communication under 15 U.S.C. 1692c ( c ) and demand that you immediately stop all contact with me, including by phone, mail, or any other means. Furthermore, you are to immediately cease and desist from reporting this alleged debt to any consumer credit reporting agency, including but not limited to Equifax, Experian, and TransUnion. If this debt has already been reported, I demand its removal until proper validation is provided. 

Validation Request : Please provide all of the following : * A detailed itemization of the alleged debt, including all interest, fees, and charges; * The name and address of the original creditor; * A copy of the original agreement or contract bearing my signature; * A full and complete copy of the assignment, transfer, or purchase agreement that grants Jefferson Capital Systems LLC the right to collect this debt; * Documentation showing the chain of title from the original creditor to your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
Finance through Santander consumer USA. Car was priced over market price. APR rate is higher than TN state law for interest that can be charged. Debt was discharged in XXXX. A representative said that I would be receiving a copy of my 1099C. Another representative said that. The debt hasnt been discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: GA

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

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 2025-05-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I had an account on my credit report with Equifax. The account was with XXXX XXXX XXXX XXXX. The account was listed on my credit report on XX/XX/XXXX and XXXXXXXX XXXX  and my report showed a credit score of XXXX. When I reviewed my credit report on XX/XX/year>, the account was removed. 

I called Equifax and spoke with a representative and was told the account was removed based on the information Equifax received from XXXX. I then inquired that if this " Open '' account had a balance and it was removed, why did my credit score decrease by " XXXX points? '' I was then given an explanation about some " Algorithm '' that is used to calculate credit scores. I then informed the representative that the same account was on my XXXX XXXX XXXX  credit reports and my credit scores Increased. 

Equifax has continually " MANIPULATED '' my credit score over the past 30 days without any logical explanation. 

I review my credit report very frequently and found that from XX/XX/year> until today, that there have been excessive changes to my actual credit score without any changes to my debt to credit ratio until this event.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
The card application dint explain that it was gon na be a XXXX annual fee I called them and said I dont agree on this fee its very high and I would of never open it so they said they would close the card but I was still gon na owe them XXXX even though I just received the card I feel they are stealing people money by falsely including this type of information in the promotional letter!! Its false advertising!! And they need to be stopped they are robbing peoples money!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-19 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax & XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello, Like millions of other Americans, after five years of not thinking about student loans, student loan payments were not at top of mind. 

after logging into an old email, the email that was associated with my student loan account, I saw repayment notifications from XXXX. 

Immediately upon seeing the repayment notifications, I logged into my account and paid my past due balance. 

I do not recall receiving any mail or phone calls regarding my loans. 

Today, I realized I had emails from a credit card company notifying my I had changes to my credit report. so I logged in. 


I was absolutely devastated to find my credit score had dropped from XXXX to XXXX over night. 

apparently, id been past due for too long come this past XXXX, again, none of this was even remotely on my radar. I paid in XXXX because I saw the emails mentioned above. 

I've spent years making sure I pay all my bills on time, this is not a case of neglect, inability to pay or willful negligence. I simply, like so many other citizens of this country, lost sight of student loans through years of pandemic related postponements and uncertainty. 

I have absolutely no problem with paying my loans off, I'm currently up to date and have no plans to let these loans laps in the future. 

Given the unprecedented nature of these circumstances I'm am very humbly and with great fear for my financial future, requesting the negative reports on my credit report associated with these loans be expunged. I simply can not accept that my credit score is destroyed because of this.

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 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
A recent claim was filed with Wells Fargo to assist me in receiving my funds back from a scammer who defrauded me through the XXXX payment system by use of my Wells Fargo debit card. 

Wells Fargo asked for proof of the scam and once the proof was submitted to Wells Fargo, they denied my claim stating that they could not assist me with this sort of claim although my debit card was used and I was scammed. 

Wells Fargo is complicit in allowing scammers to defraud their cardholders and account members and offer no remedies to safeguard their money or information. 

Claim number is XXXX I want Wells Fargo to do the right thing and reverse this fraudulent transaction of {$1100.00} and treat their members with decency and understanding. 

I have since requested a new debit card which was not something Wells Fargo suggest I do.

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 2025-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Netspend Corporation
State: PA

Complaint narrative:
So basically my manager created this account for me in Skylight bank to transfer my payments, it is just a checking account. After i got my card, they mentioned that i had to verify it, i tried to call customer service but they wont answer. Later i changed my account password online, i try to log in later, they said i couldnt and i had to call them. I tried to make a purchase on something later, my card declines. I have been trying to call for the last three weeks but theres no answer, every time i get put on hold for 30-40 minutes. I emailed them and they reply saying that they will call. But they never do. I created another bank account with a bank in my state ( Pennsylvania ) in XXXX. Now all i want is to transfer my deposit into my new bank account and never have to do this again.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
I believe my information has fraudulently been compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: NJ

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX 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 STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2025-05-19 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: IL

Complaint narrative:
ThisCFPBcomplaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent accounts consist of an account 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 XXXXXXXX have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard Inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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:
ThisCFPBcomplaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent accounts consist of an account 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 XXXXXXXX have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard Inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have tried disputing this account through XXXX XXXX and have been denied multiple times. I disputed because I have not recognized this account or amount. Out of desperation I called the company to get information. However, the automated system did not recognize my Social Security number and they do not have my right information on file. I am aft to give them information they ask for as it may be giving them information for further potential fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS
State: PA

Complaint narrative:
To Whom It XXXX Concern, I am filing this formal complaint regarding my recent mortgage loan closed in XX/XX/year>, under Loan ID # XXXX for the property located at XXXX XXXX XXXX, XXXX, PA XXXX. The transaction involved multiple discrepancies and legal violations that have significantly impacted me financially and were conducted in a deceptive and harmful manner by CalCon Mutual Mortgage and builder XXXX XXXX. 

I was promised an FHA loan with an estimated monthly payment of {$2200.00} and was told my sale proceeds of {$170000.00} would be used for down payment and closing costs. Instead, I received a conventional loan with a monthly payment of {$3300.00}. My sale proceeds were not applied, and a promised builder credit of {$25000.00} was never reflected on my Closing Disclosure. 

Additionally, without my knowledge or consent, a lien of approximately {$170000.00} was placed on my former home. This action was unauthorized, undisclosed, and done without legal justification, which is extremely concerning and further supports the presence of predatory and deceptive practices in this transaction. 

In addition : I was over-financed by approximately {$49000.00} despite having cash available. 

My final Closing Disclosure was delivered only hours before closing, violating TRID 's three-day rule. 

My escrow estimate changed dramatically without explanation. 

My actual loan funded was {$390000.00}, yet the request to the lender was for {$550000.00}, and the use of excess funds was not documented. 

These issues violate the Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), the TILA-RESPA Integrated Disclosure ( TRID ) Rule, and the Unfair, Deceptive, or Abusive Acts and Practices ( UDAAP ) standard. 

I respectfully request that the CFPB investigate this matter thoroughly and hold the responsible parties accountable, including CalCon Mutual Mortgage and loan officer XXXX XXXX. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Good day, I need to express how mentally exhausting and frustrating this situation has been. I recently discovered a debt on my credit report that I have no knowledge of and did not authorize. It is unverified, not mine, and yet Im being bombarded with collection attempts across multiple channels. The stress of receiving constant threats over something I did not do is taking a serious toll on me. As a law-abiding consumer, I find it deeply upsetting to have my rights ignored like this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. These inaccuracies have been stressing me out and its affecting everything. It is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. Make sure all this information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-05-19 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 have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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