vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
Closed on assumable mortgage ( FHA ) via assumptions proxy, title company, & CHFA. Close was XX/XX/XXXX. Loan is still not in my name and I can not pay or change anything. We ( sellers and I ) reached out to CHFA who simply says its in an audit. No timetable, nothing. I have already paid the money due and am out over $ XXXX without the property being in my name. While it is a govt entity, feels like a street scammer the way theyve handled it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc.
State: CA

Complaint narrative:
TEKCollect makes false and misleading statements XX/XX/XXXX I got a bill from TEKCollect ( TC ) based on XXXX Ohio claiming that I owed {$660.00} to XXXX XXXXXXXX XXXX XXXX ( XXXX ) for work done in XX/XX/XXXX. 
XX/XX/XXXX I called TC and spoke with XXXX ( XXXX? ) who kept saying : How do you want to take care of this bill and did not want to hear anything else. 
XX/XX/XXXX I went XXXX and asked for a document to prove that I owed nothing. They gave me a summary which showed XXXX balance. I sent a copy of the summary to TC by mail. 
XX/XX/XXXX I got another bill fro TC dated XX/XX/XXXX stating that XXXX provided documentation that said I owed {$660.00}. This document had no date. 
XX/XX/XXXX I spoke with XXXX from TC. She said that TC did not receive the summary that I sent by mail. So then I sent the summary that day by email and called XXXX back to make sure she receive it. She did. XXXX added even if your balance is XXXX with XXXX, you still owe the money to TC. I asked her for a resolution, she said it will take a couple of days. 
XX/XX/XXXX I spoke with XXXX from TC. She informed me that XX/XX/XXXX XXXX TC received the summary by mail. Also that the date of the document that XXXX sent TC was XX/XX/XXXX XX/XX/XXXX I went to XXXX, XXXX told me once again that I owe nothing to XXXX, anything else is false.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the debt, nor therefore any such debt, in fact therefore exist. 

This debit is not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Not giving any time to give in support for dispute with XXXX. Police report takes time and they have rejected the dispute twice already. Its been two weeks now and I am trying to send over information to resolve this but they keep rejecting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am filing a complaint against Midland Credit Management for re-aging a collection account on my credit reports. 

This account was previously deleted from my credit file but was recently reinserted onXX/XX/XXXX, with a new delinquency date and a higher balance of {$4600.00}. This was done without proper notice, validation, or a legitimate basis. 

This action violates the Fair Credit Reporting Act ( FCRA ), Section XXXX ( c ), which prohibits re-aging of debt to extend the reporting period. 

I am requesting that this account be permanently removed from all credit reporting agencies ( XXXX XXXX XXXX XXXX ) and that Midland Credit Management be required to fully comply with FCRA regulations regarding accurate and verifiable reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CLGF Holdco 1, LLC
State: MN

Complaint narrative:
Milestone Mastercard ( Concora Credit ) violated federal consumer protection laws by continuing to contact me regarding a disputed and/or unresolved account after I submitted a formal cease-and-desist request via fax, which was successfully delivered and timestamped. 



Timeline of Events and Documented Evidence :XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX CDT ) : I faxed a formal cease-and-desist notice to Milestone Mastercard ( Concora Credit ) via XXXX. The transmission confirmation shows delivery to ( XXXX ) XXXX, and included a cover letter and two attached pages demanding they cease all further communication regarding the account ending in XXXX XX/XX/XXXX ( XXXX XXXX CDT ) : Despite the above, I received an automated payment reminder email from Milestone Mastercard at approximately 19 minutes after the successful fax delivery. The email was from Milestone Mastercard ( email timestamp attached ) and stated that the account was PAST DUE and provided links to make a payment. This is a statutory violation under XXXX U.S.C. XXXXc ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), as it constitutes continued contact after receipt of written notice to cease communication. 



Legal Basis for Violation : 1. XXXX U.S. CXXXX XXXXc ( c ) : A debt collector must not communicate further with a consumer after receiving written notice to cease, except under limited legal exceptions ( none of which apply here ). 
2. Statutory Damages XXXX U.S.C. XXXXk ( a ) : I am entitled to {$1000.00} in statutory damages for each violation of the FDCPA, regardless of whether actual damages are proven. 
3. Additional consumer deception may also implicate : XXXX U.S. CXXXX XXXXe ( 10 ) : Use of false or deceptive means to collect a debt XXXX XXXX. XXXX ( XXXX ) : Unlawful collection practice under Minnesota law Summary : I demand immediate investigation and statutory relief. Milestone Mastercard ( Concora Credit ) was notified in writing via verified fax delivery on XX/XX/XXXX, to cease all collection communications regarding this account. Nevertheless, they proceeded to email me a payment demand 19 minutes later, which is a clear, timestamped violation of federal law. I have preserved all documentation and demand that this complaint be treated seriously and forwarded for formal regulatory review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NJ

Complaint narrative:
I am disputing a " Charge Off '' account that is being reported on my credit file. The company has not provided proper verification of the debt after two dispute rounds. 

Additionally, they have not issued a 1099-C form nor reported the cancellation of debt to the IRS, yet they continue to report this account as " charged off '' and pursue collections. This creates an unfair and harmful situation for me as a consumer. 

Under the Fair Credit Reporting Act ( FCRA XXXX and XXXX ( b ) ), I have the right to accurate and complete credit reporting. This charge-off status is damaging my credit, while the company fails to provide full transparency about the legal status of the debt.

I am requesting : - Immediate deletion of this account from all credit bureaus due to lack of proper verification. 
- Written confirmation that this account will no longer be reported negatively. 
- An explanation regarding the tax status of the account, including whether a 1099-C was issued or why it has not been reported as canceled if it has been written off. 

Attached are my dispute letters, credit report, and documentation of my requests. 

Thank you for your assistance.

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 2025-07-16 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: NJ

Complaint narrative:
I am disputing a " Charge Off '' account that is being reported on my credit file. The company has not provided proper verification of the debt after two dispute rounds. 

Additionally, they have not issued a 1099-C form nor reported the cancellation of debt to the IRS, yet they continue to report this account as " charged off '' and pursue collections. This creates an unfair and harmful situation for me as a consumer. 

Under the Fair Credit Reporting Act ( FCRA XXXX and XXXX ( b ) ), I have the right to accurate and complete credit reporting. This charge-off status is damaging my credit, while the company fails to provide full transparency about the legal status of the debt. 

I am requesting : - Immediate deletion of this account from all credit bureaus due to lack of proper verification. 
- Written confirmation that this account will no longer be reported negatively. 
- An explanation regarding the tax status of the account, including whether a 1099-C was issued or why it has not been reported as canceled if it has been written off. 

Attached are my dispute letters, credit report, and documentation of my requests. 

Thank you for your assistance.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: SC

Complaint narrative:
I purchased the vehicle from XXXX XXXX in XXXX, SC. The loan was approved by Westlake Financial and they received the paperwork. Several days before the due date I began getting phone calls telling me I am past due on my payment. The documented payment date at the dealership was XX/XX/XXXX, but they are trying to charge me on XX/XX/XXXX and are now insistent that I have to pay a late fee and daily interest since the payment is XXXX days past the false due date. 
At first I thought the calls were a scam until I downloaded the Westlake app and set up my account to see that not only was the due date wrong, but so was the amount. They failed to apply the gap insurance that I opted for which caused a discrepancy in the amount due. 

When I opened a Support request on XX/XX/XXXX, they responded via email saying they received my message and recognize the error on the account however, after XXXX full days I continue to receive harassing phone calls telling me my account is past due, but no one corrected the issue. 

When I called on XX/XX/XXXX, I was told that due to the lateness of my payment I am receiving XXXX dollars per day in late fees on top of the additional late charges. They could not correct the billing problem in the app and could not find anyone on their staff who is able to make a change. 

After an hour on the telephone, I was told to call back tomorrow and perhaps another supervisor can help you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citi Card gave me a credit limit of XXXX in XXXX.. Since then, they have lowered my credit limit so many times killing my credit score every single time.. I make a big payment they decrease my credit score so my credit utilization rating for this card is always at XXXX XXXX or higher because every single time they were with my XXXX XXXX.. This credit card originally had a {$14000.00} limit now its {$7500.00}.. Almost XXXX years and theyve dropped the limit almost XXXX XXXX on me .. Ive NEVER missed XXXX payment Every month they tell me because youre spending is so high.. But it just looks like that because every few months they drop my limit by thousands My credit specialist says my score would be in the high XXXX if it wasnt for this XXXX card Closing this card would hurt my credit even more so I dont wan na do that .. Im just wondering why it is theyre scamming me out of my credit limit

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 2025-07-16 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: MA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-16 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: MA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
XXXX XXXX {$14000.00} XXXX XXXX {$1000.00} XXXX XXXX {$3500.00}

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
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
on my credit report JPMCB has a account that was closed on XX/XX/XXXX showing a balance owing of {$29000.00} with a credit limit of {$22000.00}. I have disputed this and asked for the reporting to be removed with the credit reporting bureau to no avail. The account was opened XX/XX/XXXX and when I closed it all balances were settled. The time period was during the covid pandemic and I realize many mistakes were made. This mistake has caused a lot of trouble and I would like it removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Tilt Finance, Inc.
State: FL

Complaint narrative:
In XXXX of XXXX my account with this company was charged off in the amount of {$610.00}. According to the IRS, each debtor for whom you canceled {$600.00} or more of a debt owed to you must be given or sent Form XXXX. I requested this form OR if they were unwilling to send the form, they were to delete this account from ALL credit reporting agencies in which they have sent this account to. As of today, I have not received the XXXX form, and this account information is still being published by all of the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
I am formally requesting that you provide complete verification and validation of all negative accounts being reported under my credit profile. This includes, but is not limited to, collection accounts, charge-offs, and delinquent credit lines. 
Pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the original assignment contracts or documentation showing : XXXX. The legal transfer of the debt from the original creditor to the furnisher or collection agency. 
XXXX. Proof of the account 's accuracy, complete payment history, and lawful ownership. 
XXXX. A copy of the signed agreement bearing my signature with the original creditor. 
XXXX. The exact date of first delinquency and when the account was charged off or sold

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 2025-07-16 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: MD

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint and request an investigation into several negative items being reported on my credit file that I believe to be inaccurate, unverified, or outdated. 

Despite my previous disputes with the credit bureaus, I have not received sufficient documentation showing how these items were verified. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information on my credit report, and to request reinvestigation of questionable items. 

The following accounts are being disputed : XXXX. XXXX Account XXXX. ending in XXXX Closed, with past due balance of {$1300.00}. 
XXXX. XXXX Account XXXX. ending in XXXX Charged off with {$260.00} written off. 
XXXX. XXXX XXXX XXXX Account No. ending in XXXX XXXX account for {$1500.00}. 
XXXX. XXXX XXXX Account XXXX. ending in XXXX Charged off, {$6100.00} written off. 
XXXX. XXXX written off. 
XXXX. XXXX Account XXXX. ending in XXXX Charged off, {$3200.00} written off.

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 2025-07-16 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: MD

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint and request an investigation into several negative items being reported on my credit file that I believe to be inaccurate, unverified, or outdated. 

Despite my previous disputes with the credit bureaus, I have not received sufficient documentation showing how these items were verified. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information on my credit report, and to request reinvestigation of questionable items. 

The following accounts are being disputed : XXXX. XXXX Account XXXX. ending in XXXX Closed, with past due balance of {$1300.00}. 
XXXX. XXXX Account XXXX. ending in XXXX Charged off with {$260.00} written off. 
XXXX. XXXX XXXX XXXX Account No. ending in XXXX XXXX account for {$1500.00}. 
XXXX. XXXX XXXX Account XXXX. ending in XXXX Charged off, {$6100.00} written off. 
XXXX. XXXX written off. 
XXXX. XXXX Account XXXX. ending in XXXX Charged off, {$3200.00} written off.

Company response to consumer: Closed with non-monetary relief