vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This account is being falsely reported as discharged through bankruptcy, but the U.S. Bankruptcy Court has confirmed in writing that I have no bankruptcy filings. This reporting is inaccurate and must be removed. 
Demand they identify the exact bankruptcy case number they are relying on. 

State that the court has already confirmed no case exists in your name ( attach the courts XX/XX/XXXX letter ) .they are in violation of FCRA 1681s-2 ( a ) ( furnishing false info ) and FDCPA ( if they attempt to collect ). 

Delete now This my 8th time deal with this disputed over and over it's hurting me to take care of my little kids from this false 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 2025-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
As of XX/XX/XXXX i purchased a vehicle from a XXXX  chevrolet XXXX XXXX XXXX as of XX/XX/XXXX i went to my daughter 's wedding XXXX or XXXX days later, while i'm on the road.The engine light is flickering off and on which is a friday.The next day, I go into XXXXXXXX XXXX XXXX.And they tell me, I need an appointment.I get the appointment set for that tuesday my car has been in the shop since the end of the month of XXXX until now. Which is XXXX the XXXX? 
And ongoing, I need a new engine.When I first purchased the vehicle, I was told in the XXXX, the transmission was good, good oil change, XXXX brand new tires i was told everything was okay now I need a whole new motor or engine. Also, they have switched my lenders.I went from XXXX XXXX to GM finance lenders, now I don't know what to do.I 'm reaching out to customer Because I have been mentally going through a lot of pain and anguish.No, one seems to want to help me.They still think I need to pay a monthly payment and my car is still in the shop so I don't know what to think of this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Caine & Weiner for repeated harassment and violations of federal and state debt collection laws. Despite my clear instructions, the companys associate, XXXX, has continuously contacted me and my extended family in ways that are invasive, inappropriate, and unlawful. 

On XX/XX/XXXX, I explicitly told XXXX XXXX not to call or harass my family or myself regarding a debt. Nonetheless, she has repeatedly ignored my request and continued to call. She has contacted multiple relatives ( aunts, uncles, parents, and siblings ) even though I never authorized or provided their contact information. This is an egregious violation of my privacy. 

Additionally, XXXX XXXX has : Disclosed my personal file number in a voicemail left on a relatives phone, which resulted in my personal information being accessed without my consent. 

Threatened multiple times to report me to credit bureaus and take legal action, even after I informed her of my serious medical condition that has left me unable to work since XX/XX/XXXX. 

Harassed me with repeated calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, despite my repeated demands that she stop contacting me. 

I have been battling a serious health condition and spent several months hospitalized between XX/XX/XXXX and XX/XX/XXXX. I am currently in a XXXX facility recovering. These repeated, unwanted phone calls are a direct nuisance, impede my medical recovery, and cause unnecessary stress. 
Her actions constitute harassment and are in clear violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., which prohibits : Contacting third parties about a debt ( 15 U.S.C. 1692c ( b ) ) ; Using harassment, oppression, or abuse to collect a debt ( 15 U.S.C. 1692d ) ; Communicating with a consumer after being asked in writing to cease contact ( 15 U.S.C. 1692c ( c ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Bitstamp USA, Inc.
State: KS

Complaint narrative:
Between XXXX and XX/XX/year>, XXXX XXXX were transferred from my XXXX wallet to addresses associated with a fraudulent investment platform ( XXXX XXXX  in XXXX separate transactions. The broker, identifying himself as XXXX XXXX, speaking XXXX with a XXXX  accent, contacted me via phone and email. After all the funds had already been transferred and I realized it was a scam, I reported the incident to Bitstamp XXXX. Bitstamp did not provide any assistance, did not cooperate with me, and did not inform law enforcement or take other protective actions, even though some measures could have been taken within their system after my report. Bitstamp subsequently closed my account, claiming it was due to lack of activity. I also contacted XXXX, who sent me links to the transactions but similarly instructed me to contact the FBI. I filed a report with FBI XXXX, initially handled by XXXX, KS, but after the XXXX office closed my case, I submitted a follow-up report to the FBI XXXX XXXX XXXXXXXX XXXX I do not know if the FBI contacted Bitstamp for XXXX XXXX XXXX Neither Bitstamp nor XXXX provided updates or protections for me as the affected customer.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Unauthorized access to my credit report by multiple companies has caused direct harm to both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored, as the inquiries remain on my report. This failure to act is unacceptable. The continued presence of these potentially fraudulent entries is alarming and strongly indicates possible identity theft.

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 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX posted on XXXX XXXX {$1700.00} to law office XXXX XXXX. I tried to work with law firm and kept getting run around. Started claim with capital one on XX/XX/year> claim # XXXX No effort has been taken to get refund from merchant bank still. I need to get a lawyer and capital one is not trying to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Express recovery is not sending me the proper correspond to. I can be able to set up payments to be able to pay this bill and they just straight forward to an attorney and thats how I was notified about these litigation however when I call them and request when or where these notifications were sent or why they didnt call me to request payment they stated that they dont have that information to be able to provide it to me. Then I talked to the lawyer who is in charge of my dad and suing me and he states that notifications were sent to my address but he can not tell me when even they send one to me because I havent received none and I will make sure to check with the XXXX XXXX because I havent received anything in the mail or phone calls requesting to I can make legally payments. Has Im entitled to do when these situations are right. Also express recovery for another medical bill that I disputed them in university of Utah that the charge is incorrectly made they were aware of it, but they told me I couldnt done anything to it and they still transferred to a lawyer. The Lawyer is charging me for these fees and were here appealing for those fees that I didnt receive those services. Therefore express recovery. Its scamming people and not letting them dispute these bills when they supposed to be dispute or set up payment arrangement they are prohibiting to the public to be able to perform these payment arrangements or dispute the correct services they were not received

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL

Complaint narrative:
XXXX years without issue : Since purchasing my home, my flood insurance premiums have always been paid on time through my escrow account with Cardinal Mortgage, as required under my mortgage agreement. There has never been a problem until XXXX. 
XX/XX/year> : I received a renewal notice for flood policy. I immediately called Cardinal Mortgage and spoke with XXXX, who assured me that the premium was escrowed and there were no issues. 
XX/XX/year> : I received a notice from XXXX XXXX XXXX XXXX XXXX policy would expire on XX/XX/year> unless the {$1100.00} premium was paid. Concerned, I set up a three-way call with Cardinal Mortgages Escrow Department and XXXX. During the call, Cardinal Mortgage confirmed that payment had already been sent and agreed to resend another check, verifying the mailing address with XXXX. 
XX/XX/year> : Cardinal Mortgages Servicing Department finally sent Check to XXXX. 
XX/XX/year> : XXXX cashed the checkbut it was XXXX day past the reinstatement deadline. Despite proof of payment, the policy was not reinstated. 
Forced Insurance : Instead, I was placed in forced insurance through XXXX XXXX at an astronomical premium of {$10000.00} per year, compared to my original {$1100.00} per year. 
XXXX : I was forced to shop for new coverage. The best available rate I could obtaineven still with XXXX  {$5500.00} per year, nearly XXXX times higher than my original premium.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: MD

Complaint narrative:
I want to make it absolutely clear that this complaint is not an error or misunderstanding. My credit report contains clear inaccuracies that are not reflective of the highest standard of accuracy required under the law. These errors are causing ongoing harm, placing unnecessary stress on me during an already difficult time. It is unacceptable that such inaccuracies continue to weigh on my financial stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: KY

Complaint narrative:
Dear TransUnion 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 ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HUNTINGTON NATIONAL BANK, THE
State: GA

Complaint narrative:
XX/XX/year> ; contacted Huntington Bank to request title to be transferred from Texas title to Georgia title. I and an agent at XXXX XXXX, whom I am selling the camper to, was told two ( 2 ) week turn around. That we could go ahead and do the agreement to purchase, got the payoff amount at XXXX additional days. XXXX at XXXX XXXX told them they would send payoff once title registered in GA. 

XX/XX/year> contacted Huntington Bank, I was told electronic title sent to GA should be available in GA on XX/XX/XXXX or XXXX. 

XX/XX/year> contacted Huntington Bank, title transfer not received by GA Department of Motor Vehicles. Was told account is under supervisory review. I was also told GA DMV notified of transfer on XX/XX/XXXX and e-title was converted to paper on XX/XX/XXXX to be printed on XX/XX/XXXX or XXXX and will be mailed to local XXXX. 

XX/XX/year> contacted Huntington Bank, was told paper title was mailed from Texas on XXXX, then told paper title was received today and scheduled to be mailed. 

XX/XX/year> contacted Huntington Bank, was told there was an error message with title order, held up with Texas XXXX, when paper title is received it will be overnighted to local XXXX. 

XX/XX/year> contacted Huntington Bank, was told title issued resubmitted to title adm. today and someone would get back in touch with me. 

XX/XX/year> contacted Huntington Bank, was told there is a hold for 5 days. 

XX/XX/year> contacted Huntington Bank, was told they are trying to figure out what is going on, they have reached out to a researcher, trying to do a work around and would follow up with me. 

XX/XX/year> contacted Huntington Bank, was told title still has not been released by Texas XXXX, I asked them to call the Texas XXXX, they said I would have to reach out to them so I called them and merged the calls. on hold with Texas XXXX for XXXX minutes when was asked to hang up with XXXX and I got disconnected with both. I called Texas XXXX and then called Huntington Bank and merged the call, the process to get someone with Huntington to help me caused the employee at Texas DMV to be on the phone for 30 minutes and her supervisor told her she to handle other calls but she did tell XXXX at Huntington Bank for someone there to call them directly and XXXX said she was getting someone on it now. DMV hung up and XXXX at Huntington told me title transfer request resubmitted to title adm. and someone would be calling the Texas DMV and someone would be calling me back for an update.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: FL

Complaint narrative:
I am filing this complaint against my mortgage servicer, Selene Finance, regarding ongoing servicing errors, misapplication of payments, forced-placed insurance, and inaccurate credit reporting. 

In XXXX, XXXX placed a forced-placed escrow on my account despite the fact that I have been paying my insurance and property taxes directly for over 16 years. This caused their insurance department to make duplicate payments to my insurer, XXXX, who then began refunding the payments I had already made. 

I attempted to resolve this beginning in XX/XX/XXXX and sent multiple communications, including an email in XX/XX/XXXX. Despite my efforts, XXXX initiated foreclosure proceedings in XXXX, and my case was scheduled for hearing in XX/XX/XXXX. The foreclosure was eventually voluntarily dismissed, but I was not notified of the dismissal until after the scheduled hearing date of XX/XX/XXXX. 

On XX/XX/XXXX, I made a {$9900.00} payment to cover the escrow shortage caused by XXXX errors. Instead of applying the payment to escrow as intended, XXXX misapplied it to monthly payments. When I tried to correct this, XXXX misapplied another {$9900.00} to the escrow in the same way, making it appear I made two payments instead of one escrow payment. I have been requesting correction of this error since XX/XX/XXXX, but XXXX has failed to fix it. 

As of today, XXXX still shows that I owe corporate advance fees, even though those fees resulted directly from their servicing mistakes and the foreclosure case has already been voluntarily dismissed. 

Additionally, XXXX is reporting a foreclosure on my credit reports, which is inaccurate given the voluntary dismissal. This false reporting is damaging my credit and preventing me from completing several pending projects that depend on my credit standing. 
Resolution Requested : Proper application of the {$9900.00} payment to escrow as originally intended.

Removal of all erroneous corporate advance fees tied to the forced-placed escrow error.

Immediate correction of credit reporting to remove the foreclosure entry and late payments. 

Written confirmation that my account is current and accurate. 

I have spent over 2 years trying to resolve this with XXXX directly. Representatives routinely place me on hold, read the notes, and then disconnect my calls without resolution. Selenes mishandling has caused financial harm, credit damage, and extreme stress. 

I respectfully request that the CFPB investigate and require Selene Finance to correct these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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