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: National Credit Adjusters, LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXXXXXX NCA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Re : Request for Debt Validation Dear NCA, I am writing in response to your [ letter/phone call ] dated [ insert date ], which I received on [ insert date ], regarding an alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with proper validation of this debt. 
Please provide the following : 1. The name of the original creditor ; 2. The amount of the alleged debt, including a breakdown of fees and interest ; 3. A copy of the original contract or agreement bearing my signature ( if applicable ) ; 4. Proof that your agency is licensed to collect debts in my state ; 5. Documentation showing you have the legal right to collect this debt. 
Until you provide the above documentation, please consider this debt disputed and cease all collection activities. This includes reporting to credit bureaus, filing lawsuits, or contacting me further except to provide the requested validation. 
Please respond to this request in writing at the address above within 30 days from receipt. 
Sincerely, XXXX XXXX XXXX

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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently reviewed my credit report and noticed 10 accounts that were not reporting accurately. Transunion is reporting 90 days past due date on each account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. These accounts have not been late on payments. I have attached a copy of my report to this complaint XX/XX/year>. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to current account immediately. 

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 XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I have been attempting to get a data entry error corrected by Freedom Mortgage for the last 2 months. I have repeatedly called various departments of the company starting early XX/XX/year>XXXX  ( it is now late XX/XX/year>XXXX  ). No action has been taken to correct the incorrrect loan principal balance and the company has referred me to various departments none of which have been helpful. Calls have been repeatedly dropped from holds of up to 2 hours. I have been told that there are pending messages and that the issue is being worked on, but representatives will not tell me the content of these messages. Unrelated actions such as escrow analysis have been taken, and I have had to repeatedly convince representatives that they have not solved the issue. I have emailed the CEO of Freedom Mortgage and received no response. 

The error is that the starting principal balance shown on the FHA portal is incorrect ( showing {$690000.00} where the correct starting principal balance is {$710000.00} ). I am refinancing my mortgage and underwriting is impossible until this error is 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
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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Account name : XXXX Date open:XXXX Account number : XXXX I want this account removed from my credit report the information is incorrect and he reporting wrong and do not belong to me. 

Please remove this account and update 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 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: Experian Information Solutions Inc.
State: TN

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: VA

Complaint narrative:
To whom it may concern : I am writing you with this formal objection of information published and provided by you to XXXX, XXXX  and XXXX, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized XXXX Reporting Requisites per the XXXX  as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged Court of Record. I formally contest the reportability of the alleged Public Record. Immediately, DELETE ALL record of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all XXXX reporting standards. XXXX This Public Record item is deficient as reported, and Per Federal reporting regulations, all claims MUST be to a maximum " possible '' accuracy and a maximum " possible '' completeness, which extends Ito the reporting mandates that there be no deviation from XXXX Format compliance since, per the XXXX, XXXX  XXXX, " Any deviation from these standards jeopardizes the integrity of the data '' Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested in order to comply with federal law.

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: V and H Portfolio
State: NC

Complaint narrative:
I am filing this complaint because I am a victim of identity theft and there is a fraudulent car loan and subsequent collection account being reported on my credit reports. This auto loan was not opened or authorized by me. It was fraudulently taken out in my name, and I did not benefit from this account in any way. 

The original creditor has sold or transferred the debt to a third-party debt collector who is not the original lender. Despite my efforts to dispute this account, and even after providing an official FTC Identity Theft Report and a police report, the account remains on my credit profile and continues to negatively impact my creditworthiness. 

I have followed proper steps : I filed an identity theft report through IdentityTheft.gov I filed a police report I notified the original creditor and the debt collector I disputed the account with the credit reporting agencies I am requesting that this account and any associated collection entries be permanently removed from my credit reports with all major credit bureaus ( XXXX XXXX XXXX XXXX XXXX and that all reporting and collection efforts be ceased immediately. 

This situation is causing me financial harm and emotional distress. I am requesting the CFPBs assistance in getting this fraudulent debt removed and protecting my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Copies of letters/emails sent to the creditor and/or collector Thank you for your attention and help in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I just checked my credit report and saw inquiries I dont recognize. Im really worried because I believe Ive been a victim of fraud. This has been so stressful, and its making it impossible for me to get the credit I desperately need. 
Please, Im asking for your help in removing these fraudulent inquiries. This situation has been overwhelming, and I dont know what else to do. Id truly appreciate any assistance you can provide. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: S & S Recovery, Inc.
State: IA

Complaint narrative:
S & S RECOVERY INC & XXXX CREDIT REPORTING AGENCY HAS IMPROPERLY PARKED AN ACCOUNT ON MY CREDIT REPORT WITHOUT PROPER VALIDATION PER THE NMLS CONSUMER ACCESS : S & S RECOVERY IS NOT EVEN LICENSED TO COLLECT ALLEGED DEBT IN THE STATE OF IOWA

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 — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Case number XXXX was opened with Truist Bank, but every time I follow up, Im told there is no update with no explanation or progress toward resolution. 

This situation is causing serious damage to both my personal reputation and my companys image. The funds ( {$40000.00} ) were debited from my contractors account, and the issuing bank confirmed that the transaction was legitimate, accepted, and not marked as fraudulent. 

The {$40000.00} was credited to my account, but by the time the funds arrived, Truist had already blocked the account citing suspected fraud. The account was then permanently closed, and I was only mailed a check for {$22.00}, which was the balance before the deposit. 

I complied with all documentation requests, including providing a formal letter from the issuing bank confirming the legitimacy and availability of the funds, along with a copy of the check. Even after submitting all documents, Truist has failed to provide any clear explanation or resolution timeline. 

This issue has been ongoing since XX/XX/, and the funds have not been returned to the sender nor made available to me. Only Truist is holding the funds, despite having no dispute from the issuer. 

I have a valid contract depending on these funds, and this situation is now creating serious operational and reputational damage, with material losses expected to begin if this is not resolved immediately. 

I am requesting urgent investigation and immediate release of the {$40000.00} funds.

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 — Account information incorrect
Company: EQUIFAX, 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 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: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Chime Financial Inc
State: LA

Complaint narrative:
I filed XXXX XXXX bankruptcy and Chime closed my secured credit account with a XXXX balance. I notified Chime about the account being closed and that it should not have been closed because they was not apart of my bankruptcy. I was told by Chime that after the account had been closed for XXXX I would receive a closure check to my home address. That has not happened. My account was closed on XX/XX/year> and its XXXX and still have not received my money. I keep getting the same thing its being escalated to the back office. Chime did not give me the opportunity to even transfer my funds from the credit builder to my checking account. My bankruptcy Attorney even sent in a XXXX  and Chime giving the run around saying Attorney XXXX needed to re send the paperwork. My attorney notified me that he had spent a lot of hours trying to get this issue resolved and no prevail.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account was charged off in XXXX of 2022. Since then this account has repeatedly been updated as charged off every month. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : ACCOUNT NAME : XXXX Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
This account was charged off in XXXX of 2022. Since then this account has repeatedly been updated as charged off every month. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : ACCOUNT NAME : XXXX Account number : XXXX

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
UPON REVIEWING MY CREDIT I NOTICED HARD INQUIRIES THAT I DID NOT MAKE AND THAT ARE FRAUD 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 THIS WERE NOT DONE BY ME AND ARE FRAUD!!!!!!!!! 
THESE INQUIRIES VIOLATE 15 USC 1681B ( A ) ( 3 ) FCRA 15 UCS 1681C-2 REQUIRES CREDIT BUREAUS TO COLLECT INACCURACIES PROMPLTY

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