vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: NJ

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: NJ

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing. 
XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I am filing a complaint against NewRez Mortgage for refusing to remove an escrow account despite all delinquent property taxes being paid in XX/XX/XXXX and their own tax advance to my XXXX XXXX having been refunded in full in XXXX of XXXX. 
I was previously behind on my XXXX property taxes. NewRez advanced payment to cover the delinquency, but I subsequently paid the taxes in full directly to XXXX XXXX on the same date of their payment. XXXX XXXX then refunded NewRez for the full amount of their advance on the same date of XX/XX/XXXX. 
Despite this, NewRez created and maintains an escrow account on my mortgage, even though they no longer have a financial obligation tied to the taxes or insurance, and I have provided documented proof of my payment and their refund from XXXX XXXX on multiple occasions. 
I have contacted NewRez multiple times, providing proof of payment of delinquent taxes and home owner 's insurance, requesting the escrow account be closed. NewRez has failed to offer a valid explanation, instead giving vague or boilerplate responses. There is no indication in my mortgage agreement that an escrow account must be permanently imposed after a single tax delinquency, especially XXXX that has been fully resolved and refunded. I have also been paying the property taxes with XXXX XXXX for the XXXX tax year and am current in all necessary coverages for the home. 
This continued imposition of escrow is unjustified, increases my monthly mortgage payment substantially XXXX 's more, and appears to violate fair servicing practices.

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 2025-11-07 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rent Recovery Solutions
State: WI

Complaint narrative:
Beginning in XXXX in 2022 I started receiving call from the debt collector located in XXXX XXXX amount of {$5800.00} and I asked them who they were and why is this amount stated? Rental Recovery Solutions

Company response to consumer: Untimely response
Consumer complaint received 2025-11-07 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-07 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: AR

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-07 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: AR

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: MD

Complaint narrative:
On XX/XX/year>, I reached out in writing to Contract Callers Inc. to request full and fair verification of an alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that written notice, I lawfully requested that the company cease all collection activity and stop reporting this account to the credit bureaus until they provided proper verification. Specifically, I requested : A copy of the original signed contract or agreement bearing my signature that establishes the alleged account. 

A complete chain of title or purchase agreement showing a clear, documented transfer of ownership from the original creditor to Contract Callers Inc. 

The name and contact information of any intermediary debt buyers, if applicable. 

Written confirmation that this account has not been sold, reassigned, or transferred to another entity. 



Despite this lawful written request, Contract Callers Inc. failed to provide any of the above documentation. They did not produce a signed agreement, assignment, or purchase record proving that they have any legal authority to collect on or report this account. The limited information they did provide contains inaccurate billing details and inconsistent payment data, which further demonstrate that their records are unreliable and incomplete. 



Because Contract Callers Inc. has not produced valid proof of ownership or authorization, they have no legal right to pursue, collect, or continue reporting this account. Their actions violate the FDCPA and may also constitute violations of the Fair Credit Reporting Act ( FCRA ) by furnishing inaccurate information to the credit bureaus without proper validation.

I am submitting this complaint to the CFPB to report that Contract Callers Inc. has failed to comply with federal law. They continue to act as though they have collection authority despite their inability to provide any verified proof of ownership or a legitimate chain of title. I am requesting that the CFPB investigate this matter, ensure that Contract Callers Inc. ceases all collection and reporting activity, and require immediate deletion of this unverifiable account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Transition I have asked now 3 times to remove the fraud alert off my report I just got my yearly free credit reports and on the transunion report was the fraud alert form XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: AR

Complaint narrative:
I am submitting a follow up on a previous dispute I submitted concerning inaccurate late open account on my credit report. Upon reviewing my most recent credit report, I continue to find discrepancies regarding the reporting of late payment statuses on several account. Despite my prior request, the following accounts still appear to reflect inaccurate or misleading information. I have thoroughly reviewed my personal records and payment history, and I maintain that the late payment reports associated with these account are incorrect. I respectfully request a renewed and thorough investigation into these matters, and that the necessary corrections be made as soon as possible. XXXX XXXXXXXX XXXX XXXX Balance : {$10000.00}

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 explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to file a formal complaint against JPMorgan Chase Bank , N.A . ( Chase ) for the unjust and unexplained closure of my personal checking account approximately XXXX  years ago, when I was XXXX XXXX XXXX, and for the continued denial of banking services and credit products due to that historical closure. At the time of closure I had just moved into a new apartment and the address might have been blacklisted because of a previous tenant. I will provide the address that the initial closure occurred at. 

At the time, I maintained a single personal checking account with Chase. I had no overdrafts, no returned payments, no negative balances, and no suspicious activity whatsoever. Despite perfect account history, my account was suddenly closed by the bank. When I inquired at the branch, I was told only that it was a business decision and that no further explanation could be provided. 

Since that event, I have attempted to reestablish banking services and apply for credit ( including a car loan ) with Chase, but my applications are automatically declined, citing internal account restrictions related to that original closure. I have never received any documentation, adverse action notice, or explanation of the closure as required under the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 

This situation has caused ongoing harm by restricting my access to mainstream banking and credit services, despite maintaining excellent standing with other financial institutions for many years. The lack of transparency and continued denial constitutes unfair and potentially discriminatory business practices in violation of federal consumer protection laws. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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 dispute this account because it does not belong to me and is being reported in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
I believe the late payments and delinquent status appearing on my credit are in error. The accounts were not late under the agreed terms, so those remarks should be deleted. Please update the accounts to Paid as Agreed and eliminate any delinquent status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: RoundPoint Mortgage Servicing LLC
State: ID

Complaint narrative:
I sent an email back on XX/XX/XXXX asking Roundpoint mortgage to provide me the current XXXX they have for my loan as I've been asking them since the start of XXXX to as shown in my original email sent to Roundpoint To : XXXX From : XXXX Sent : XX/XX/XXXX at XXXX PM EST Subject : * * EXTERNAL * * PRIVATE MORTGAGE INSURANCE REMOVAL REQUEST FORM After making making that request Roundpoint admitted to sending me an email that stated My PMi had been removed but they apparently had meant to address it to another customer as tho it was sent to my email it did have the name of another person and their address possibly violating their privacy I have made many calls to round point and sent many emails since then and was told over the phone to apply for removal since they agree it should be removed. 

The biggest issue I have is I've asked many times now for an automated valuation value so I can see if its finally time to per their valuation that I can remove PMI and I have found per their valuation which I have provided screenshots for that the value of my home when I had asked them would have been well past the PMI removal requirement of Current Loan to Value XXXX XXXX  % needed for the requested PMI removal. Due to them not informing me of the valuation for months I have been paying when it could of been removed atleast as of the email I sent on XX/XX/XXXX and would expect the PMI to be canceled going forward and refunded for prior months past my originally asking

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
This is a follow-up to a dispute filed under FCRA 611 ( 15 U.S.C. 1681i ) regarding the account XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX RETAIL SRVCS XXXX XXXX XXXX XXXX  with a reported balance of {$750.00} on my Experian credit report. Despite my prior dispute request, this account has not been properly investigated or validated, and it continues to be reported with potential inaccuracies and unverifiable balances. The continued reporting of this account XXXX violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) and is negatively affecting my credit profile.

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 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Dear CFPB, I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate and unverified information being reported on my credit file by XXXXXXXX XXXX XXXX  and/or its collection agency. 

The account in question is reporting an incorrect date opened and I have not received any documentation confirming that this debt belongs to me. I have disputed this directly with the credit bureaus, but the information continues to be reported inaccurately without proper validation. 

Under FCRA 611 ( a ) ( 1 ) ( A ), I have the right to dispute any information that is incomplete or inaccurate, and the furnisher of information is required to conduct a reasonable investigation. Additionally, under FCRA 623 ( a ) ( 1 ) ( A ), furnishers may not report information they know or have reasonable cause to believe is inaccurate. 

I am requesting that the CFPB ensure this furnisher and the credit reporting agencies : 1. Provide documentation bearing my signature or proof that this account actually belongs to me ; and 2. Correct or delete the inaccurate date opened entry if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: GA

Complaint narrative:
I am formally disputing the accuracy and legality of the charge-off accounts currently being reported on my Experian credit report.

Under the Fair Credit Reporting Act ( FCRA ) 602 ( A ) and 611, 1 am requesting a full reinvestigation and removal of all charge-off entries that can not be verified with original source documentation. If these accounts have been sold, transferred, or assigned, you are required to confirm the current ownership and furnish proof of a legal right to report.

Reporting a sold or transferred account as a charge-off constitutes duplicate and misleading reporting, in direct violation of FCRA 607 ( b ) for accuracy and 623 ( a ) ( 1 ) ( A ) for furnishing false or outdated information.

Failure to remove unverifiable, inaccurate, or misrepresented charge-off data within the 30-day reinvestigation window will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for non-compliance. I expect immediate deletion or documented proof of lawful reporting.

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 2025-11-07 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: I.C. System, Inc.
State: GA

Complaint narrative:
I am reporting identity theft under FCRA 605B, FACTA, and 18 U.S.C. 1028. My personal data was used, sold, or traded without consent, resulting in fraudulent collection accounts on my credit reports. I request CFPB investigation and deletion of these unverifiable accounts under FCRA 605B.

Due to the government shutdown, I can not file an FTC report. I have uploaded a PDF which includes a cover sheet, formal dispute letter, and evidence summary listing the accounts and legal citations.

Please compel XXXX, XXXX, and XXXX  to block or delete all identity-theft-related items. 

Thank you, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA 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 2025-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XX/XX/year> I lost my wallet, it has driver 's license, passport, social sevurity, voting card, credit card, health card and bank card. I have never rented a house from these people, show an address I had in this house, l am a victim, they used my information, they made loans in my name, they filed my tax return, just be present when I file my tax return! always use identity theft pin,

Company response to consumer: Closed with explanation