vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
We have a claim on our home and we are just about done with all the repairs and the mortgage company is refusing to send anymore funds .. my family and I are about to be homeless due to our insurance ALE funds are gone by the XXXX of XXXX which is in about XXXX weeks. If they would send the amount XXXX asking for we could just be done with the repairs altogether and be back in our home on time. That way we dont end up homeless Ive been asking for additional funds for a month now I either get told oh we cant do that by XXXX supervisor then I talk to another supervisor the next day and they tell me yes we can do something and then its back-and-forth back-and-forth or its I talk to somebody and they absolutely refuse to transfer me over to a supervisor thats happened multiple multiple times Ive sent stuff in numerous times they say they dont get it. A supply list is what they ask for. Ive sent that into XXXX different emails that theyve told me to send it into then they tell me they didnt receive it And they say oh now its gon na take XXXX to XXXX business days. XXXX take XXXX to XXXX hours to review it all and I keep telling these people I do not have that kind of time. No one seems to wan na help me get this issue resolved. I dont know what else to do. Long story short, the inspection that they did was wrong. We are well over the percent that they say were at. Ive had my contractor write a letter to them stating we are well over the percent that they put down and they want us to reach a certain percent before they were release any more funds, but Im not sure how they want us to get to that percent if we dont have any more money to get there please someone help. Do not get a mortgage through NEWREZ LLC! You will absolutely regret it!

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 2025-12-18 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: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Portfolio Recovery Associates Debt Collection / Credit Reporting I am submitting this complaint regarding the way this collection agency is reporting an alleged debt on my consumer credit report. 

This account is being reported without proper verification and contains inaccurate and/or unsubstantiated information. I previously disputed this account and requested validation, yet the collection agency continues to report the account without providing documentation showing that the debt is accurate, that they have legal authority to collect, or that the information being furnished is complete and correct. 

The continued reporting of this account has negatively impacted my credit profile and does not appear to comply with federal consumer protection requirements. 



What I believe is wrong : The collection agency has failed to properly validate the alleged debt The account is being reported inaccurately and/or without sufficient evidence The reporting appears to violate the Fair Credit Reporting Act ( FCRA ) and/or the Fair Debt Collection Practices Act ( FDCPA ) The agency continues to furnish information that is incomplete, misleading, or unverifiable What I have done so far : I have disputed this account directly and/or through the credit reporting agencies. Despite these efforts, the collection agency has not provided adequate proof or corrected the inaccurate reporting. 



What resolution I am seeking : I am requesting that this collection agency either : 1. Provide full and proper documentation validating the debt and their authority to report it, or 2. Remove this account from my credit report if they are unable to verify its accuracy I am requesting a full investigation and a written response explaining the outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: NY

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts The following charged-off accounts are listed on my TransUnion credit report, and I dispute their accuracy : XXXX XXXX  Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$740.00} XXXX XXXX XXXX XXXX  Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$860.00} I request that these accounts be verified or deleted from my credit report if they can not be substantiated. 

Unauthorized / Unverifiable Inquiries The following inquiry is listed on my TransUnion credit report, and I dispute its validity. I request that you provide verification of permissible purpose for this inquiry or remove it : XXXX XXXX Date : XX/XX/XXXX Late Payment Reporting The following accounts are reporting late payments that I dispute : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Account number : 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 2025-12-18 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: NC

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : I am submitting this dispute to request an investigation of certain items listed on my TransUnion credit report. I request that TransUnion review and verify these disputed accounts and inquiries, and remove or correct any inaccurate or unverifiable items in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts The following charged-off accounts are being reported on my TransUnion credit report, and I dispute their accuracy : XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} I request that these accounts be verified or deleted from my credit report if they can not be substantiated. 

Unauthorized / Unverifiable Inquiries At this time, there are no inquiries listed for dispute under TransUnion. 

Late Payment Reporting The following accounts are reporting late payments that I dispute : XXXX XXXX  XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : 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 2025-12-18 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: Experian Information Solutions Inc.
State: NY

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 2025-12-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MO

Complaint narrative:
I made payments on a collection account which reduced the balance to {$3800.00} as reflected on the collector 's own statement dated XX/XX/2024. 
A later statement improperly reset the principal to the original amount of {$4600.00} and added interest without lawful explanation, effectively ignoring payments already made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: AL

Complaint narrative:
I am requesting that you conduct a reasonable reinvestigation as required under 15 U.S.C. 1681i. If the information can not be verified with competent evidence, it must be deleted or corrected immediately. 

Please provide written confirmation of the results of your reinvestigation and an updated copy of my credit report. If you verify this information, please include the method of verification, including the name, address, and telephone number of the party who verified the information. 

Enclosed are copies of documents supporting my position. Please note that this letter is not an admission of liability for any alleged debt. 

Thank you for your prompt attention to this matter.

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 2025-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.

Complaint narrative:
I continue to receive emails from Resurgent Capital Services stating XXXX XXXX sold them my credit card debt and they are trying to collect. I confirmed with XXXX XXXX that I have never had an account sold to a debt collector. Resurgent states my XXXX XXXX account ends in XXXX and that I owe {$740.00}. XXXX XXXX can not not find an account ending in XXXX associated with my name. The latest email I received was on XX/XX/XXXX. Another was received on XX/XX/XXXX. I receive an email monthly. I have not contacted Resurgent because I feel this is a scam trying to collect money. Below you will find their contact information. Thank you. 

Resurgent Capital Services logo Connect with us! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Resurgent Capital Services L.P. All rights reserved. 
Phone : XXXX ( XXXX ) XXXX Physical Address : XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX General Disputes/ Correspondence : XXXX XXXX XXXX XXXX XXXX SC XXXX Credit Bureau Disputes XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Hours of Operation : Monday - Thursday XXXX EST Friday XXXX EST Saturday XXXX EST Sunday XXXX EST Resurgent Account ID : XXXX Ref Code : XXXX Privacy | Unsubscribe Notice : See below for important information THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
LexisNexis is reporting a XXXX XXXX  Bankruptcy ( Case # XXXX ) on my consumer file and distributing it to the credit bureaus. I disputed this information as inaccurate. 

LexisNexis admitted the record was sourced from PACER, not from the court directly. However, I obtained an official letter from the U.S. Bankruptcy Court, Northern District of Georgia, dated XX/XX/year>, which clearly states : The Clerks Office does not provide information to credit reporting agencies Any information gathered by third parties, such as credit reporting agencies, is not authorized by the court. 

This proves the information is unverified, unauthorized, and not reportable under the FCRA. Despite this, LexisNexis continues to report the bankruptcy and refused to delete it. 

This violates : FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 1681i Failure to delete unverifiable information GLBA 501 ( b ) Improper handling of personal legal data SEC Rule 10b-5 Misrepresentation of material legal data I am requesting permanent deletion of this bankruptcy from all LexisNexis reports , a record of where it was distributed, and confirmation that LexisNexis will no longer share unverifiable court records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX : XX/XX/XXXX Last 4 SSN : XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Attn : Credit Bureau Disputes / Compliance Department XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Formal Demand for Full Payment History & Correction of Inaccurate Credit Reporting Account Number : XXXX To Whom It May Concern, I am writing to formally dispute and demand clarification regarding the above-referenced XXXX XXXX account that is currently reporting as OPEN and reflecting on-time monthly payments, despite the fact that this account has been closed and is no longer actively used. 

According to my Experian credit report, XXXX XXXX continues to furnish monthly paid as agreed payment history for this account well after closure. This raises serious concerns regarding the accuracy, legitimacy, and legal basis of the data being furnished. 

Im Demanding for Verification and Documentation Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) & ( b ) ), I am demanding the following : 1. A complete and itemized payment history from the date the account was opened through the present, including : All payment due dates All payments allegedly received Method of payment Dates posted Source of payments 2. Written documentation proving the account is legally open, including : The contractual authority permitting XXXX XXXX to continue reporting monthly payment activity on a closed account Any agreement bearing my signature authorizing continued furnishing after closure 3. An explanation as to how monthly on-time payments are being reported when no payments are being made on a closed account. 

Notice of Inaccurate Reporting Reporting ongoing payment activity on a closed account may constitute false, misleading, and inaccurate information, which is prohibited under 15 U.S.C. 1681e ( b ) and 1681s-2. Furnishing data that does not reflect actual consumer activity is not permissible under federal law. 
If XXXX XXXX can not produce the above documentation, you are hereby demanded to : Immediately cease reporting monthly payment history, and Correct the tradeline to accurately reflect the accounts closed status, or Delete the tradeline entirely from all consumer reporting agencies. 

Failure to comply within 30 days of receipt of this letter will leave me no choice but to escalate this matter through formal complaints with the State Attorney General, and pursue legal remedies available under the FCRA, including statutory damages. 

This letter serves as a formal notice and demand for compliance. 

I expect your prompt written response. 

Sincerely, 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 2025-12-18 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: FL

Complaint narrative:
I am submitting this complaint regarding Equifaxs continued reporting of inaccurate, unverifiable, and unrecognized information on my credit report. Equifax is reporting personal information, charge-off accounts, and collection accounts that are not mine and have not been properly verified, in violation of my rights under the Fair Credit Reporting Act. 
Equifax is reporting the address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, which is not my address. I have no knowledge of this address, have never lived there, and have no association with it. This address is inaccurate and must be deleted from my credit file. 
Equifax is reporting multiple accounts as charge-offs that I do not recognize and have no knowledge of. These include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not recognize these accounts as mine, and Equifax has not provided competent or sufficient evidence that these accounts belong to me or are being reported accurately. Each of these accounts must be fully investigated and deleted or corrected if they can not be verified. 
Equifax is also reporting collection accounts that I do not recognize, including XXXXXXXX XXXX ( Accounts XXXX, XXXX, and XXXX ) and XXXX  ( Account XXXX ). I have no knowledge of these collection accounts, they are not mine, and they should not be associated with my credit file unless Equifax can properly verify them with original documentation. 
I am requesting that the CFPB require Equifax to conduct a proper and lawful reinvestigation of all disputed items, verify all information with competent evidence as required by the Fair Credit Reporting Act, and immediately delete or correct any information that can not be fully verified. I am also requesting that Equifax provide me with an updated and accurate copy of my credit report once these corrections are completed. 
This complaint is submitted to ensure Equifaxs compliance with the Fair Credit Reporting Act and to stop the continued reporting of inaccurate information on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: NC

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts The following charged-off accounts are being reported on my Equifax credit report, and I dispute their accuracy : XXXX Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00} I request that these accounts be verified or deleted from my credit report if they can not be substantiated. 

Unauthorized / Unverifiable Inquiries At this time, there are no inquiries listed for dispute under Equifax. 

Late Payment Reporting The following accounts are reporting late payments that I dispute : XXXX XXXX Account number : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This letter is being sent in response to your reporting and/or collection activity regarding the above-referenced account. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, to request full validation of this alleged debt.

Please provide the following documentation : Proof that LVNV Funding LLC has the legal authority to collect on this account, including a complete chain of assignment from the original creditor.

A copy of the original signed contract or agreement bearing my signature.

A complete payment history showing how the alleged balance was calculated.

Verification of the date of default and the date the account was charged off.

Proof that the statute of limitations has not expired.

Evidence that this debt has not been paid, settled, or otherwise discharged.

Documentation that all required disclosures were provided at account origination, as required by applicable federal law. 

Until this information is provided, you must cease all collection activity, including credit reporting, as required by the FDCPA. 

If you are unable to provide the requested documentation, I demand that you immediately cease reporting this account to all consumer reporting agencies and consider the matter closed. 

This request is not an acknowledgment of liability or an admission of responsibility for this debt.

Company response to consumer: Closed with explanation