vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlantic Recovery Solutions LLC
State: IN

Complaint narrative:
I have been harassed by numerous agencies for XXXX  months about this debt. I have repeatedly disputed the debt in writing and requested documentation to show where the amount requested came from. XXXX different agencies have been unable to provide any documentation until, most recently, XXXX provided me with a spreadsheet that appeared to have been doctored. When I called them out about the fraudulent documentation, they stopped responding and passed the debt on to Atlantic Recovery Solutions. How do I stop this cycle?

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 2025-09-23 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: GA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: NJ

Complaint narrative:
This XXXX XXXX XXXX account is being reported with systemic inaccuracies and contradictions across Equifax, Experian, and TransUnion. Each bureau shows different payment status language, different worst delinquency reporting, and even over-limit balances of {$780.00} against a {$500.00} credit limit ( 157 % utilization ) on a closed account. Payment histories are impossible : the bureaus report OK months in XXXX and XXXX while simultaneously listing rolling XXXX delinquencies, and Experian shows OK in the same months other bureaus mark XX/XX/XXXX days late. Older derogatory events are inconsistent, with different months for XXXX, XXXX, and XXXX lates across bureaus. The account comments are also contradictory, ranging from current to 120 days delinquent. These systemic conflicts prove the account was not reinvestigated reasonably under FCRA 1681i and is not being reported with maximum possible accuracy as required by 1681e ( b ). Because the CRAs have already verified these results, I am demanding immediate deletion of this tradeline from all reports within 7 days. If not deleted, I am preparing litigation against XXXX XXXX XXXX and the CRAs for willful noncompliance and damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
I dont know where to start. Ever since Shellpoint Mortgage servicing has taken over our account from XXXX XXXX XXXX, which appeared to be just a name change, we have had nothing but issues. 

First it was the change in how they handled interest. Which I was told by XXXX XXXX XXXX when it recast the loan was supposed to be a fix XXXX XXXX year rate. 

Now, Shellpoint Mortgage has decided to create an escrow, which we have never had. 
They apparently did this because when we changed insurance carriers, they didnt like the way the new insurance policy had the ownership defined. Even though we send documents showing them that there was insurance on the property, because they didnt like the insured names, they put a second policy on the property and then setup an escrow account so they could charge us for the second policy. 

After several calls and multiple copies of the insurance policy they finally accepted the insurance documents. 

They supposedly refunded the charges for the second policy and refunded the balance of the escrow, which I havent seen. 

Here is where the real issue comes in. They kept the escrow account and are now charging us an escrow amount, demanding a payment into an escrow that shouldnt even exist. 

How or why I cant get them to give me answer for. Especially since we have, since the beginning of the loan, always paid the property taxes and the insurance and still do. 
I have requested them to close the escrow and refund our money but they have denied it. 

I send Shellpoint Mortgage requested a Qualified Written Request on XX/XX/year> and as of right now, XX/XX/year>, have only received a letter that they need more time. 

Prior to the insurance issue there was no escrow. After many conversations they refunded the second insurance policy charges and XXXX refund checks taking the escrow account to zero. XXXX check that I havent received yet. 

Then, after correcting everything, they decided to increase the escrow charge and have been charging me for an escrow that was supposed to be closed. Especially, since they dont pay any of the bills. They are just tying up my money making it harder for me to actually pay my bills and creating a financial hardship for me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : 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 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 explanation
Consumer complaint received 2025-09-23 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. XXXX XXXX days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm writing to bestow my XXXX concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2025-09-23 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: FL

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Re : Formal Dispute & Demand for Validation of Alleged Debt Account/Reference Number : XXXX To Whom It May Concern : This is a formal Notice of Dispute regarding the alleged debt your company claims I owe and has reported to the credit reporting agencies. I dispute this debt in its entirety. Your failure to provide complete, competent, and legally sufficient validation of this account places you in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

You are hereby demanded to produce the following within 30 days : Original Contract A true and complete copy of any agreement bearing my signature that establishes liability for this debt. 

Chain of Title Full documentation proving your legal right to collect, including purchase/assignment contracts showing uninterrupted ownership from the original creditor to your agency. 

Account-Level Documentation A complete accounting of the alleged balance, including all principal, interest, fees, and charges. 

Authority to Report Proof that you are legally authorized to furnish this account to the credit bureaus in compliance with the FCRA.

Until such documentation is provided, you must : Immediately cease all collection activity.

Delete any reporting of this alleged debt from all credit bureaus.

Be advised that : Verification consisting of a mere printout, screenshot, or itemized balance from your system is not sufficient validation under federal law. 

If you continue to report or attempt to collect without proper validation, I will pursue all legal remedies available to me, including : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. 

Pursuing a private right of action under the FDCPA and FCRA, where I may recover statutory damages of up to {$1000.00} per violation, actual damages, attorneys fees, and court costs. 

If you can not validate this debt as required by law, you are obligated to immediately delete the tradeline and cease all contact. Failure to comply will result in escalation without further notice. 

This is your final warning to correct and remedy your unlawful actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: LA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am disputing inaccurate late payments reported on my CitiCards CBNA account. According to my records, all payments were made on time. XXXX  reports the account as current, but XXXX reports a XXXX late for XX/XX/year> and XXXX  reports XXXX XXXX late for XX/XX/year>. I submitted a formal dispute requesting verification and documentation, but the creditor has not provided proof. The inaccurate reporting continues to harm my credit.

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 2025-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CO

Complaint narrative:
A company named CMRE Financial Services , Inc. has been texting and calling me from a XXXX to claim that I am in debt collection on my son Emergency Room with an amount of {$36.00} that my insurance did not cover. I did not recall receiving such bill, otherwise I would have paid that {$36.00} amount. 
I want to make sure this is not a scam, so I followed the instruction to send email to request for more information on XX/XX/year>, the email was not delivered and bounced back. I have saved both email traffics. A sign to me this is a scam! 
They keep texting and calling, and I finally answered the call and spoke with a lady, who sounded rude and asked me to settle the amount. I told her I need proof this is not a scam, and she gave me a name as XXXX XXXX XXXX which I searched up on-line as a company in XXXX XXXX. I called this XXXX XXXX XXXX, and was not helpful as I don't even have a bill nor account to refer to. I don't know if I owe money and this seem to me as a scam! I already wasted enough time and felt like just paid this {$36.00} and stop wasting my time... but if everyone is willing to settle such small amount, then I am promoting scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am disputing a {$39.00} late fee charged to my Bank of America credit card account ending in XXXX on XX/XX/year>. My account is enrolled in autopay, and a {$50.00} payment was processed on the due date. Despite this, a late fee was assessed. 

I sent a certified letter to Bank of America on XX/XX/year>, requesting reversal of the fee, written confirmation, and assurance that my credit report would not be affected. I haven't gotten a response yet. 

I would like to ask CFPB for help to make sure the fee is reversed and my account 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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax online and on mobile app allows me to view my report as stated in the website. When I attempt to create a dispute the options come up for the dispute and are very limited and do not cover all the potential issues/ items that can be disputed. In past disputes Equifax does not seem to read the details in the disputes and just verifies / updates information. They do not provide a method or process describing the steps they took to verify. I have items showing on my XXXX report that do not show and have been removed on my other reports. 

The disputes now on the webpage allow the information to be selected and details to be typed in but when the Dispute is submitted it does not submit or show as actively being disputed. If trying to do the process on a mobile the app doesn't work at all for logging in or viewing anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. XXXX XXXX days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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