vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: VA

Complaint narrative:
My name is XXXX XXXX, and I was a XXXX customer in good standing until a highly unethical situation forced me into financial distress. 



At the end of last year, my XXXX purchased through XXXX was stolen along with my wallet. I immediately reported the theft and attempted to file a claim. I made numerous good-faith efforts to follow XXXX instructions, file reports, and resolve the situation. Unfortunately, XXXX continued to bounce me between departments, gave me inconsistent answers, and denied me support during a moment of serious personal and professional disruption. 



I was working from my phone and urgently needed resolution. I did everything I was told, even when it was vague, dismissive, or contradictory. When I could no longer keep up with the constant runaround, XXXX placed the phone account into collections for a device that I never recovered, that I do not have, and for which I tried desperately to get help. 



I am formally disputing any charges related to that device and requesting the following : Immediate removal of the associated balance from collections reporting. 

A full review and correction of the situation, including documented case notes. 

Either a replacement device or full cancellation of the charges associated with the stolen phone. 



This situation is not only unethical it may violate fair consumer protection laws. I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and XXXX XXXX XXXX XXXX XXXX XXXX if not resolved in good faith within XXXX business days. 



I am still willing to resolve this properly. But I will not accept responsibility for a phone I do not have, especially after attempting to handle the situation through every proper channel. 

Please find the full letter of dispute attached. I am requesting immediate removal of this debt from collections and a formal investigation into the account. I am also asserting my rights under the FCRA and FDCPA, and I expect resolution within 7 business days. 


If this matter is not addressed promptly, I will escalate it through the CFPB, XXXX  and all appropriate departments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: OR

Complaint narrative:
Since the End of 2022 Transunion has been reporting fraudulent accounts and inquiries on my credit report I have disputed those accounts and inquiries and the won't remove them or investigate they are in violation of the 15 USC1692 G THEY ALSO IGNORE ME AND TODAY XXXX THEY DELETED MY MESSAGE WHILE I WAS TALKING TO THEM

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 2025-07-27 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:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report : 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.

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information : If, after a reinvestigation 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 promptly delete or modify that item of information from the file of the consumer. 

I am requesting the following inaccurate, outdated, or unverifiable items be removed or corrected immediately. 



XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2100.00} Date Placed for Collection : XX/XX/XXXX Date Disputed : XX/XX/XXXX Pay Status : In Collections Remarks : ACCT INFO DISPUTED BY CONSUMER >PLACED FOR COLLECTION< XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Balance : {$0.00} ( settled ) Status : Closed, charged-off, {$1100.00} written off Charge-Off Pattern : Multiple months of delinquency leading to charge-off in XX/XX/XXXX XXXX XXXX XXXX  Reported Date : XX/XX/XXXX ( still appearing )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report : 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.

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information : If, after a reinvestigation 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 promptly delete or modify that item of information from the file of the consumer. 

I am requesting the following inaccurate, outdated, or unverifiable items be removed or corrected immediately. 



XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2100.00} Date Placed for Collection : XX/XX/XXXX Date Disputed : XX/XX/XXXX Pay Status : In Collections Remarks : ACCT INFO DISPUTED BY CONSUMER >PLACED FOR COLLECTION< XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Balance : {$0.00} ( settled ) Status : Closed, charged-off, {$1100.00} written off Charge-Off Pattern : Multiple months of delinquency leading to charge-off in XX/XX/XXXX XXXX XXXX XXXX  Reported Date : XX/XX/XXXX ( still appearing )

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 2025-07-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stellantis Financial Services US Corp.
State: TX

Complaint narrative:
STELLANTIS FINANCIAL SERVICES, Account number XXXX Unfortunately I am a victim of identity theft, my personal information has been exposed and being used by identity thieves. Please assist with the cease of this fraud that is occurring against me and help me restore my name and credit.I did not authorize my social security number to be used.

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 2025-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge 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: U.S. BANCORP
State: AL

Complaint narrative:
NOTICE OF APPEAL : XXXX XXXX is not in comportment with banking Regulation Z. In addition, XXXX XXXX is defiantly refusing reassertion of A VALID CHARGEBACK DISPUTE CLAIM [ XXXX, filed on XX/XX/XXXX, XXXX ], against XXXX XXXX, in the amount of {$4000.00}. The items weren't delivered, nor shipped, and the transaction cancelled ( I DON'T HAVE FURNITURE ITEMS ). The VALID CHARGEBACK DISPUTE filed on XX/XX/XXXX, XXXX, after XXXX XXXX XXXX a partial refund in the amount of {$2900.00}, instead of complete refund in the amount of {$4000.00}. I later discovered, XXXX XXXX charged a non-applicable " 25 % restocking fee ''. That " restocking fee '' isn't applicable nor justified as the items were never delivered. XXXX financials investigation of the VALID CHARGEBACK DISPUTE reckless, biased, and extremely flawed [ didn't look at facts ], and XXXX financial FAILED TO CHARGEBACK. I AM DEMANDING AN APPEAL OF THE VALID CHARGEBACK DISPUTE IN THE AMOUNT OF {$1000.00}, REMOVAL OF ALL FEES ( {$2.00} provisional credit reversal ), REMOVAL OF OVER-THE -CREDIT LIMIT FEES, and AM DEMANDING RECOVERY OF REMAINING {$1000.00}, FOR WHICH I AM ENTITLED ITEMS NEVER DELIVERIED. I ATTEST, AFFIRM, AND CERTIFY THE INFORMATION IS VERY ACCURATE AND VERY TRUTHFUL. 

Best, XXXX [ not XXXX XXXX XXXX XXXX MD [ NOT DO, NOR PH.D ] PHONE : XXXX EMAIL : XXXX AND XXXX DESIRED RESOLUTION : PURSUANT TO BANKING REGULATION Z : CREDIT CARD MUST CORRECT BILLING ERRORS, TO INCLUDE : MERCHANT FALSELY CHARGED RESTOCKING FEES, AND FOR BILLING CHARGES OF UNDELIVERED GOODS OR SERVICES. THEY MUST CORRECT THE ERROR AND CREDIT ACCOUNT FOR DISPUTED AMOUNT. XXXX XX/XX/XXXXis complicit with XXXX XXXX trying to defraud ME OUT OF {$1000.00}. DEMANDING IMMEDIATE CHARGEBACK TO XXXX XXXX, REMOVAL OF ALL FEES, AND TIMELY APPEAL IF NOT CREDITED WITHIN XXXX HOURS OF NOTICE OF APPEAL.

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 2025-07-27 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/XXXX Capital One closed my credit card without my knowledge or consent. When i called Sunday XX/XX/XXXX, I contacted Capital one in regards to why my capital one account was closed. The young lady stated that they closed my account because they thought it was fraudulent on my account. I asked them why they did not notify before closing my account in which most places do. The representative could not give me an answer. They didnt send me a letter or anything prior to closing my account and will Not reopen it. In stead they are charging monthly still for everything and continues to build a monthly bill every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am filing this CFPB complaint concerning a fraudulent account that does not belong to me, this account appears on my consumer credit FICO credit report. 
I donot recognize this account as reported ( NATLCRSYS ) is the account name, Account number is ( XXXX ) with outstanding balance of {$14000.00}. This is a fraudulent account, which resulted as a collection on my credit report. This account does not belong to me, I demand for this negative item to be removed within 4 days and all activity related to said items cease pursuant to my rights within the FCRA AND FDCPA LAWS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute inaccurate and incomplete information on my credit report, similar to the concerns outlined in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian. The CFPB lawsuit alleges that Experian has systematically failed to reasonably investigate consumer disputes, improperly handled dispute documentation, and failed to ensure the accuracy of consumer credit files. I have personally experienced many of these same issues, and I demand immediate corrective action and deletion of account.

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 2025-07-27 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: NC

Complaint narrative:
I have been a victim of identity theft for than ten years now. I have reported this to the police, social security administration. I have been working constantly months after months, year after year to fix all of these issues. I don't know what else to do. Please help 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 2025-07-27 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: NC

Complaint narrative:
I have been a victim of identity theft for than ten years now. I have reported this to the police, social security administration. I have been working constantly months after months, year after year to fix all of these issues. I don't know what else to do. Please help 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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments 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 payments for the account : ( XXXX XXXX XXXX  ) : account # ( XXXX ) 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 explanation
Consumer complaint received 2025-07-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year>, Bank of America closed-down my XXXX Account by them. I phoned them up and they said that they didn't do it, XXXX company did it. I phoned up XXXX and they said they didn't do it, as neither they had access to nor any control over my XXXX Account with Bank of America. Next day ( XX/XX/year> ), I phoned up again to the Bank and this time they confessed that Bank of America closed down my XXXX Account!!! They would send an email to their Fraud Prevention Department requesting to re-open my XXXX Account. On XX/XX/year>, someone from Fraud Prevention Department phoned me up and informed me that they won't re-open my XXXX Account. When I asked her that I just wanted to know the reason of Closing-down my XXXX Account , she didn't answer.

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On Sunday XX/XX/year>, as upon checking my Equifax credit report there are issues with my credit score constantly changing up and down. Today it dropped XXXX points to without a reason. I believe Equifax is not reporting properly due to the fact that I have a XXXX account and Ive made XXXX payments. There is no progress on my Equifax account but XXXX  and XXXX  have been updating. Equifax is hurting my credit score profile from improper credit reporting. I have already disputed this company prior for the same issue. I also have other accounts that builds my credit and I see no progress from Equifax for months. Lastly Ive been trying to contact someone about refund payments due to the fact that my identity was compromised through Equifax. I believe that this company is not checking disputes, or reports properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and Im contacting you regarding a XXXX  XXXX bankruptcy filing that still appears on my credit report : - Case Number : XXXX - Court : XXXX XXXX - Filed Date : XX/XX/XXXX According to the Fair Credit Reporting Act, this record should have been removed XXXX years after the filing date, which would have been XX/XX/XXXX. I am formally requesting that this outdated information be removed from my credit report immediately. 

Please investigate and confirm the correction in writing. I appreciate your prompt attention to this matter. 

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 2025-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Forest Recovery Services LLC
State: SC

Complaint narrative:
I applied for a daycare but my kids did not attend. We didnt like it & was not obligated to pay for anything. During that time, I received Government Assistance that paid for childcare even if I choose that facility. And if I choose that facility, it would have but paid for them. Im not sure why I have this fee. It has brought my credit down and I need it removed. I called the daycare. They gave me a number to corporate and I cant reach anyone. When I call the daycare, they dont even have any record of me or my children but I have a debt owed. Please remove as I am trying to better my life and credit. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, CO XXXX Loan # : XXXX Lender : Mr. Cooper ( Nationstar Mortgage LLC ) Statement Date : XX/XX/year> Payoff Good Through : XX/XX/year> Complaint Summary I requested a mortgage payoff statement from Mr. Cooper in XX/XX/year> to complete a refinance. Their Loan Estimate used an understated payoff amount of {$710000.00} when my actual documented payoff amount was {$710000.00}, as confirmed by Mr. Coopers own payoff quote issued XX/XX/year>. 

This inaccurate figure resulted in a misleading Loan Estimate that claimed I would owe no money at closing, which was materially false. I only discovered the real payoff through a separate communication. 

The daily interest shown in their internal calculations also appeared to be incorrect ( based on ~ $ XXXX at XXXX %, when my actual interest rate was 7.125 %, and actual daily interest was {$130.00} ). This again made the refinance look more favorable than it truly was. 

Additionally, they promised a funding date of XX/XX/year>, which another broker confirmed was logistically impossible under federal guidelines, further misleading me into believing their offer could close faster. 

These practices violate the Truth in Lending Act, the RESPA Section 8 ( a ) anti-kickback/misrepresentation rules, and likely state consumer protection statutes governing deceptive lending. 

I am requesting that : The CFPB investigate Mr. Coopers use of intentionally understated payoff quotes in Loan Estimates. 

Mr. Cooper be required to provide corrected disclosures and refrain from using estimates that underrepresent true payoffs. 

A formal record of this complaint be logged with their licensing record and compliance department.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: FL

Complaint narrative:
there accounts that dont belong to me that are reporting on my credit report and i have called in already numerous times to remove me from the credit cards. they were authorized users from my x and we both have called and furnishers have removed us but bureaus are not.

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