vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: AL

Complaint narrative:
XX/XX/XXXX, the Escrow agents failed to pay the insurance premiums, allegedly due to some communications issue between the Escrow and Insurance companies. I had to personally negotiate between them to get this issue resolved, spending nearly an entire day on the issue. Somehow, this ended up with XXXX insurance policies being on record with the Escrow Agency for this property. 

XX/XX/XXXX, the Escrow agents paid both the New and Old insurance premiums, as shown in the attached history. The first was paid on XXXX XXXX, and the second on XXXX XXXX of the same month and year. Obviously, this resulted in an overdraft of the Escrow Account. This triggered an Escrow Analysis, and in XX/XX/XXXX the mortgage company unduly increased our escrow/mortgage payments in order to cover this inappropriate and unwarranted overdraft. 

XX/XX/XXXX ( approximate ) the insurance company notified me of this payment on a closed policy and issued a refund for the undue payment. I immediately contacted the Escrow Agency and opened my investigation of this mismanagement. On XXXX XX/XX/XXXX, I returned most of this money to the Escrow Account to cover the new insurance bill. I had also received a new statement for the new premium amount and notified the Escrow Agent. 

On XXXX XX/XX/XXXX, the new and correct premium was paid. After confirmation, I requested and was granted another Escrow Analysis, and the payments were reduced to approximately what they were before, thereby easing our monthly financial burden. However, on XXXX XX/XX/XXXX, same month and year, the premium was paid a Second Time, again. This is shown as the most recent line item on the history, since this payment was issued yesterday. 

I have been speaking with this mortgage company for nearly XXXX months now about their negligence on this matter. This recent activity clearly shows their lethargy toward resolving the issue, putting all of the blame ( and financial burden ) on us. It is time that we take this complaint to the next level, starting with the CFPB. Hopefully, that will get their attention and get this issue resolved once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In late XXXX, I purchased {$550.00} in XXXX gift cards from XXXX XXXX XXXXXXXX, which is the official platform for XXXX prepaid XXXX issued by American Express and XXXX XXXX XXXX. These were intended to cover incidentals and services during a XX/XX/XXXX stay at the XXXX XXXX XXXX XXXX XXXX XXXX luxury property. 

Despite bringing all cards with me and making multiple attempts to pay using them throughout the stay ( XXXX XXXX XXXX ), the hotel staff was unable to process any of the cards. The front desk confirmed that they had tried but were unsuccessful with each attempt. As a result, I was forced to pay the entire balancetotaling over XXXX XXXX a separate American Express credit card. 

This completely defeats the purpose of having purchased XXXX gift cards in advance, and it is extremely frustrating that XXXX and Amex advertise these cards as redeemable at XXXX properties when, in practice, they were unusable even at XXXX of XXXX XXXX XXXX I have attached my folio from the stay and a spreadsheet listing the full set of gift cards that were rendered useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: AL

Complaint narrative:
I am writing to request the removal of the charge-off entry listed on my credit report for the account referenced above. I acknowledge my past financial difficulties that led to this situation, but I am now committed to resolving any outstanding issues and improving 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 2025-07-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Thaddeus Bechtle Attorney at Law, LPC
State: VA

Complaint narrative:
On XXXX, I applied for a rental property and was told I had a collection account. I was unable to be told what property and the amount I allegedly owed or time frame. All I was told was the name of the agency whom has the account. 

This is currently not showing on any record I have. I can not move forward with my future due to this misshape. 

Please respond with a letter that this account has been deleted from all records so I can forward to the correct parties needing this information. 

I am unsure if this is a fraud issue or misuse of my information, so please respond accordingly so I can take the next necessary steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
Medical debt from XXXX was sold to credit management company LLC, they have provided the wrong date on my credit report it is showing as XXXX. This is incorrect the incident occured in XXXX and that is when it should be dated for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: TN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against the credit reporting agencies TransUnion, Experian, and Equifax for failing to ensure the maximum possible accuracy of the information they report on my credit file, as required under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ). 

I recently disputed several derogatory accounts on my credit report and requested verification. Despite my request, some of the accounts came back as " verified, '' yet they still reflect incorrect, incomplete, or inconsistent information across the three credit bureaus. 

Account : XXXX Account number : XXXX inaccurate inconsistent information reported as follows : Date opened XX/XX/year> vs XX/XX/year> High credit Credit limit I believe the credit reporting agencies have failed to conduct a proper reinvestigation and are continuing to report inaccurate and misleading information. Under the FCRA, information must be complete and verifiable, and the current reporting fails that standard. 



Provide documentation of the verification method used. 

Ensure all reported accounts meet the standard of maximum possible accuracy. 

The continued reporting of unverifiable or conflicting data is damaging my creditworthiness and causing harm. 

Additional Information : I have retained documentation/screenshots showing the discrepancies. 

Disputes were submitted through the appropriate channels and responses were inadequate. 

These actions violate my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am trying to rent a home/apartment and Im seeing damages on my report due to the 15 U.S.C 1681 their should not be any damages on my report and it is a defamation of my character! These accounts have been reposted on my credit report after the XXXX  year allotment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: LA

Complaint narrative:
Regulatory Complaint Packet : Kraken CFPB ( Consumer Financial Protection Bureau ) Complaint Date : XXXX Complainant : XXXX XXXX Email : XXXX Complaint Summary : I purchased {$100.00} worth of XXXX on XX/XX/year> through Kraken. My bank account was charged, but no XXXX was credited to my Kraken account. After contacting support, I was told the XXXX was in a different Kraken account that I supposedly created. I have never had access to that account. Kraken then claimed to unlock that account, but they actually unlocked my existing working account, and the XXXX still was not found in either. The issue remains unresolved and I am being misled and stonewalled by Kraken 's support. 

Requested Resolution : Immediate investigation and recovery of the missing funds. Kraken must either refund the {$100.00} or credit the purchased XXXX to the correct account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: IL

Complaint narrative:
I need your help reviewing accounts from these companies that have incorrectly flagged late payments on my credit report. After checking the report, I found several entries marked late that are not validthere should be no late payment remarks. Please remove these inaccurate entries and update the accounts to the agreed positive standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: FL

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, multiple late payments ( 30, 60, 90, and 120 days ) were reported on my XXXX  XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX ) by XXXX  and XXXX, while TransUnion reflects mostly OK or significantly fewer delinquencies. 

This account was marked as in dispute, and that dispute was reported as resolved across all three credit bureaus. However, the derogatory marks were not corrected, and no documentation was ever provided by the furnisher to justify these delinquencies. 

I maintain that these late payments are inaccurate. I never received notice of delinquency, and I had previously submitted a dispute which was closed without proper verification. Continuing to report these negative marks without valid proof constitutes a violation of the Fair Credit Reporting Act, specifically : 1681i requiring credit bureaus to remove unverifiable or inaccurate data.

1681s-2 ( b ) obligating furnishers to investigate and correct errors upon notification.

I am requesting that these late payments be immediately deleted or corrected, and that I be provided with a written confirmation of the correction. If this is not resolved promptly, I will pursue legal remedies under FCRA 1681n and 1681o for willful or negligent noncompliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: MD

Complaint narrative:
Requested on multiple occasions the Debt Validation, Signed Contracts, 1099C IRS and payment history, etc. Never received any of the above request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: NC

Complaint narrative:
This is now my XXXX  formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: SC

Complaint narrative:
My personal information was leaked in the XXXX data breach my identity was stolen and I dont recognize any of these items on my credit and I would like them removed immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-26 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:
My personal information was leaked in the XXXX data breach my identity was stolen and I dont recognize any of these items on my credit and I would like them removed immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-26 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the reporting of a XXXX  on my TransUnion credit file, which I believe is inaccurate, unverifiable, and improperly sourced. This reporting violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, and also raises privacy concerns under XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

TransUnion is reporting a XXXX  on my credit file that I have determined does not belong to me. After checking with the relevant court, there is no record of any such XXXX  case associated with my name, Social Security number, or identifying information. It appears that this data may have originated from a third-party source such as XXXX or XXXX and was not properly verified with the actual court of record. 

If the information was obtained from documents that included unredacted personal data, this could also constitute a violation of Rule 9037, which requires redaction of full Social Security numbers, full birth dates, and other sensitive personal identifiers in court filings. Any reporting based on such improperly sourced or privacy-violating documents is unacceptable and must be corrected.

Under 15 U.S.C. 1681i, TransUnion is required to conduct a reasonable reinvestigation of any disputed information, delete or correct unverifiable items, and notify the consumer of the results within 30 days. I previously submitted a dispute but have not received any meaningful documentation verifying the accuracy of the reported XXXX or identifying the original court source. This failure constitutes noncompliance with the FCRA. 

I am requesting that TransUnion immediately delete the XXXX  from my credit report unless it can be verified with documentation directly from the XXXX  court. If you believe the information is accurate, I request that you provide the following : The name of the court that filed the XXXX  The official case number and filing date A redacted copy of the court filing in compliance with Rule 9037 Verification that this XXXX is associated specifically with my identity If TransUnion can not verify this information using compliant and accurate sources, you are required by law to remove it from my file. I also request a full explanation of your reinvestigation process and a written response outlining the outcome

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Reliable Credit Association, Inc.
State: NV

Complaint narrative:
Inaccurate Date of First Delinquency ( DOFD ) and nearing statutory reporting limit ; demand for strict verification of DOFD to ensure compliance with XXXX reporting limit under FCRA Section 605 ( a ). 



the debit is coming on the XXXX  year marker remove debt has damaged my credit long enough from all credit bearues during the process, they have treathen me with mutiple calls, posted wrong dates, and wrong payment amounts, and added nearly XXXX more to the debt amount old, this collection time has come to an end.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation