vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against XXXXTD BANK US a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy.XXXXXXXXTD BANK US XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected.

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding NATIONSTAR/MR COOPERs failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with XXXX, XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. NATIONSTAR/MR COOPER has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

NATIONSTAR/MR COOPER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX XXXX INQUIRY XXXX XXXX INQUIRY XXXX XXXX INQUIRY XXXX XXXX INQUIRY XXXX XXXX INQUIRY XXXX XXXX INQUIRY XXXX XXXX INQUIRY XXXX XXXX INQUIRY XXXX XXXX INQUIRY XXXX XXXX INQUIRY XXXX XXXX INQUIRY XXXX XXXX INQUIRY XXXX XXXX INQUIRY XXXX XXXX INQUIRY XXXX XXXX INQUIRY XXXX XXXX INQUIRY XXXX XXXX INQUIRY XXXX XXXX INQUIRY 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/year> The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: DISCOVER BANK
State: LA

Complaint narrative:
Summary of Issue On XX/XX/year>, I purchased a product from a merchant ( XXXX XXXX ) that was never delivered using a Discover credit card. 

They gave me a tracking number in XXXX, making it seem like my order shipped. 

That tracking was actually for another part of my order, not the steering wheel. 

The steering wheel stayed Order Received in my account for months no tracking, no shipping date. 

On XX/XX/XXXX, they admitted in writing that the wheel was still in production and would take a little while longer than typical orders. No ETA. Over the next few weeks, I wrote several emails asking for updates that they ignored. 

On XX/XX/year>, I filed a billing error dispute with Discover, but the merchant claimed the XXXX tracking covered the whole order. 

Despite me showing Discover the XXXX email and my account screenshot proving the wheel never shipped, Discover sided with the merchant and closed the case based on the misleading tracking number. 

Under Regulation Z ( 12 CFR 1026.11 ( c ) ( 2 ) ), a creditor must resolve a billing error within 90 days or two billing cycles, whichever is shorter.

I repeatedly asked Discover representatives how long the process would take. I was told it depends on the merchant, but was never informed of the 90-day legal deadline.

The merchant provided no valid proof of delivery. Their only responses included irrelevant screenshots and a photo of a steering wheel asking me to verify, but it was clearly not mine. At one point, the merchant contacted me directly by phone and email, attempting to resolve outside of Discovers dispute process. 

As of XX/XX/year>, Discover has not provided me with a written resolution. The dispute remains open in the online portal, beyond the required timeframe. 

Regulatory Concern Discover failed to comply with 12 CFR 1026.11 ( c ) ( 2 ) by not resolving the dispute within 90 days.

Discover representatives misled me by omitting the existence of the 90-day requirement, despite my direct questions about the timeline.

The merchants lack of evidence combined with Discovers failure to resolve places me at a disadvantage and violates federal law. 

Requested Resolution Immediate closure of the dispute in my favor, with the disputed amount credited to my account.

Assurance that Discover will comply with Regulation Z timelines in the future. 

Post Date XX/XX/year>XXXX  Description XXXX XXXX XXXX XXXX XXXX  Amount {$2200.00} Dispute # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: EQUIFAX, INC.
State: UT

Complaint narrative:
I am submitting to formally dispute several inaccuracies related to billing errors on my credit report. Upon reviewing my report, I noticed information that does not accurately reflect my payment history. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which provides consumers the right to dispute and correct billing errors, and I request a thorough reinvestigation of the following accounts. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$440.00} DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$280.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3100.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1900.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1300.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$7000.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3900.00} DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$5000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: SC

Complaint narrative:
I am a victim of identity theft and, as a result, fraudulent and inaccurate accounts have been reported under my name. This stems from a data breach and unauthorized use of my personal information. Despite submitting disputes and supporting documents, the accounts remain on my credit report. 
This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) : Section 605B requires credit reporting agencies to block information resulting from identity theft.

Section 611 gives me the right to dispute inaccurate or incomplete information, and requires credit reporting agencies to investigate and correct or delete it.

The continued reporting of fraudulent accounts and inaccurate data is unlawful and is causing me serious harm, including denial of credit, financial loss, and emotional distress. 
Immediate enforcement of my rights under FCRA 605B and 611.

The fraudulent accounts and inaccurate information must be blocked and permanently removed from my credit file. 

Written confirmation from the credit reporting agencies once these actions are complete. 

Notification to the furnishers/creditors involved so they stop reporting the fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: SC

Complaint narrative:
I am a victim of identity theft and, as a result, fraudulent and inaccurate accounts have been reported under my name. This stems from a data breach and unauthorized use of my personal information. Despite submitting disputes and supporting documents, the accounts remain on my credit report. 
This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) : Section 605B requires credit reporting agencies to block information resulting from identity theft.

Section 611 gives me the right to dispute inaccurate or incomplete information, and requires credit reporting agencies to investigate and correct or delete it.

The continued reporting of fraudulent accounts and inaccurate data is unlawful and is causing me serious harm, including denial of credit, financial loss, and emotional distress. 
Immediate enforcement of my rights under FCRA 605B and 611.

The fraudulent accounts and inaccurate information must be blocked and permanently removed from my credit file. 

Written confirmation from the credit reporting agencies once these actions are complete. 

Notification to the furnishers/creditors involved so they stop reporting the fraudulent information.

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 2025-09-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) against [ Experian/Equifax/TransUnion ] regarding an account reported by XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX. 

I disputed this account as inaccurate. The credit bureau responded that the account was verified. However, under FCRA 611 ( a ) ( 7 ) and FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), I requested the method of verification specifically, the description of the procedure used to determine accuracy and the furnishers name, address, and telephone number. 

The bureau failed to provide this information. This is a direct violation of the FCRA, which grants me the right to receive a full description of the verification process. Without proper verification, this account remains unverified and should not continue to be reported. 

Additionally, under FCRA 607 ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of information. By failing to provide documentation of verification, [ Experian/Equifax/TransUnion ] has not met this requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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:
I am a victim of identity theft, and fraudulent accounts have been reported on my credit file without my knowledge or authorization. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this inaccurate and fraudulent item be permanently removed from my credit report to ensure it reflects only accurate and lawful information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX LJ Ross Associates XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX Re : Request for Debt Validation Account # XXXXXXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing in response to a phone call received in XX/XX/year>, regarding an alleged debt you claim I owe. This is not a refusal to pay, but a request for XXXX XXXX validation and verification * * of this debt as provided for by the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g * *. 

Pursuant to my rights under the FDCPA, please provide the following information : 1. The amount of the alleged debt, including an itemized breakdown of interest, fees, payments, and principal.

2. The name of the original creditor.

3. A copy of the original contract or agreement bearing my signature, showing that I have a legal obligation to pay the debt.

4. A detailed explanation of how you arrived at the amount claimed.

5. Proof that you are legally authorized to collect debts in my state.

6. The name and address of the current creditor ( if different from the original creditor ).

7. A copy of any judgment ( if applicable ).

8. Proof of chain of custody/assignment if this debt was sold or transferred from the original creditor. 

Until you provide the requested validation, I request that all collection activities * * cease immediately * *, including reporting this debt to any credit reporting agency. 

Please be advised that I am keeping detailed records of all communications from you, including copies of letters and a log of phone calls. If you fail to provide proper validation of this debt, or if you continue to pursue collection activities without validating the debt, you will be in violation of the FDCPA and I will not hesitate to report this to the appropriate authorities, including the * * Consumer Financial Protection Bureau ( CFPB ) * * and the * * Federal Trade Commission ( FTC ) * *. 

I respectfully request all further communications be in writing only. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: KS

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 2025-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Halsted Financial Services, LLC.
State: NY

Complaint narrative:
Debt collection and credit reporting issues relating to a disputed account supposedly originally held by XXXX XXXX Problem : I am disputing a fraudulent charge from XXXX  XXXX. While my dispute was still unresolved, XXXX  appears to have sold or transferred the account without notifying me. A company called Halsted Financial Services then began contacting me via text, claiming they were collectors for XXXX  and stating they would notify XXXX  of my cease-contact request. 

However, in a later XXXX  response, Halsted suddenly claimed they have no relationship with the issuer of the account and are working for an undisclosed third party who supposedly purchased the account. This is the first time I have ever heard of any third party. They are withholding who theyre actually collecting for.... after lying that they will report back to XXXX. 

This raises major concerns : Halsted may have misrepresented who they work for ( telling me XXXX, now telling regulators otherwise ). 

XXXX  may have sold an account that is actively disputed, without notifying me or resolving the dispute.

I may be subjected to multiple, overlapping credit reports from XXXX, Halsted, and/or an undisclosed third party ( triple dipping ) on the same alleged debt. 

I have never received proper validation of the debt, only texts with suspicious links and suspecious attachments. 

XXXX  is claiming they took a loss on this debt and/or has sent it to collections and are reporting it as such all across all of my credit bureaus but instead have sold the debt according to Halsted. Neither of them have been telling the truth from the very start in reference to fradulent disputed charge/debt. And who is this mystery third party buyer theyre claiming now exists and Halsted refuses to disclose?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: UT

Complaint narrative:
I am submitting to formally dispute several inaccuracies related to billing errors on my credit report. Upon reviewing my report, I noticed information that does not accurately reflect my payment history. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which provides consumers the right to dispute and correct billing errors, and I request a thorough reinvestigation of the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$26000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$480.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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