vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENOVA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
I have disputed this account a few times with the company. After multiple attempts to resolve, the account is not being removed from my credit file/name. There are unauthorized charges/debits. I have requested a complete file of charges, transactions, signatures but nothing is being provided. This has been going on over 60 days. I only get voicemails reminding XXXX of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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 was affected by a recent data breach, and unauthorized accounts have shown up on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00} XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$4900.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$3900.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$5900.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$180.00} XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Reach out to the XXXX credit bureaus concerning this complaint and how come they did not check the identification and address to make sure the account was accurate for them to even put it on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Reach out to the XXXX credit bureaus concerning this complaint and how come they did not check the identification and address to make sure the account was accurate for them to even put it on my credit report

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 2025-05-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am disputing the negative collection entry reported under a XXXX account on my credit report because it is entirely fraudulent. I have never held or authorized any account with XXXXinstead, I have always been a XXXX customer. I have never received any XXXX devices, phone numbers, or services. Previously, this unauthorized record was removed after I disputed it ; however, it has inexplicably reappeared on my credit file without any new, valid evidence. 

To make matters worse, I have been a victim of multiple data breaches, including those implicated in the XXXX XXXX  class-action lawsuits, which have resulted in unauthorized access to my personal information. Such breaches have created opportunities for fraudulent account openings and misreporting. The reoccurrence of this XXXX collection clearly indicates that my identity has been compromised, and false information is being repeated without proper verification. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute any inaccurate or unverified credit information. XXXX or its collection agency has failed to produce any documentation proving that I authorized or even opened a XXXX account. Therefore, this fraudulent negative collection should be immediately removed from my credit report, as it represents an egregious violation of my consumer rights and continues to cause me undue harm. 

I respectfully request that this negative entry be permanently deleted from my credit file while a full investigation is completed, and I ask that the credit bureaus, along with XXXX and its debt collectors, confirm in writing that this item has been removed. Thank you for your prompt attention to this matter. 
On XX/XX/year>, a negative collections entry for a balance of {$790.00} appeared on my credit report from JEFFCAPSYS, representing an alleged XXXX account. I have never had an account with XXXX ; I have always been a XXXX customer. Previously, upon disputing this entry and presenting evidence that the account was unauthorized, it was removed and canceled. Despite those assurances, the fraudulent record reappeared without any proper documentation or new evidence to support its existence. 

After noticing this reoccurrence, I contacted XXXX and the collection agency multiple times. Each time, I received confirmation that I never opened or authorized a XXXX account and that any previous reporting was in error. Moreover, I have been the victim of several data breachesincluding those linked to the XXXX XXXX  class-action lawsuitswhich have contributed to unauthorized access and the fraudulent opening of accounts. This reappearance of the collection entry is clearly a product of identity theft and system errors, perpetuating damage to my credit report despite my prior dispute efforts and confirmations of cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
XXXX XXXX charged off my account even though I was never more than XXXX days late. I received a billing statement dated XX/XX/2025, showing a {$47.00} minimum payment due by XX/XX/2025. This shows the account was still active and not in default. I had previously agreed to a partial settlement but changed my mind and intended to pay in full. Before I could do so, the creditor closed my account and locked me out of the portal. This charge-off is premature, inaccurate, and violates standard FCRA reporting guidelines that require XXXX  days of non-payment before a charge-off. I am requesting this account status be corrected or removed.

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 2025-05-29 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:
XXXX XXXX charged off my account even though I was never more than XXXX days late. I received a billing statement dated XX/XX/year>, showing a {$47.00} minimum payment due by XX/XX/year>. This shows the account was still active and not in default. I had previously agreed to a partial settlement but changed my mind and intended to pay in full. Before I could do so, the creditor closed my account and locked me out of the portal. This charge-off is premature, inaccurate, and violates standard FCRA reporting guidelines that require XXXX days of non-payment before a charge-off. I am requesting this account status be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
XXXX XXXX  charged off my account even though I was never more than XXXX days late. I received a billing statement dated XX/XX/year>, showing a {$47.00} minimum payment due by XX/XX/year>. This shows the account was still active and not in default. I had previously agreed to a partial settlement but changed my mind and intended to pay in full. Before I could do so, the creditor closed my account and locked me out of the portal. This charge-off is premature, inaccurate, and violates standard FCRA reporting guidelines that require XXXX days of non-payment before a charge-off. I am requesting this account status be corrected or removed.

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 2025-05-29 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: Experian Information Solutions Inc.
State: OH

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 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 2025-05-29 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: VA

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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 2025-05-29 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: VA

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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 2025-05-29 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:
Due to a data breach that exposed my personal information, fraudulent accounts have surfaced on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$8500.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} UNAUHTORIZED COLLECTION - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$240.00} Inquiries XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANCO POPULAR DE PUERTO RICO
State: VI

Complaint narrative:
On XX/XX/XXXX between the hours of XXXX XXXX, I attempted to make a deposit via ATM machine at banco popular XXXX XXXXXXXX XXXX XXXX XXXX XXXX I went to XXXX XXXX thru I entered my debit card and cash totaling XXXX. The machine started malfunctioning at that point, it spit out XXXX of my cash which left the difference of XXXX stuck in the machine. No receipt was provided for balance of cash that was in the machine, my debit card was not returned from the ATM machine. I went to the bank the following morning XX/XX/XXXX and reported the incident to customer service rep and i made my cash deposit of the cash that was returned to me at ATM. I was informed that the machine was to be repaired, and they would let me know if my money and debit card was found. I was told by customer service rep the following week that my money nor my debit card was found in the ATM machine and that I can file a claim for an investigation to be conducted. A few weeks past as no one contacted me so I called to inquire giving the bank rep a full account of what happened, I was then told that this will be filed for claim/investigation. I called back the bank for information because I did not receive a call or letter with conclusion of investigation. I finally received a post marked letter from the bank on XX/XX/XXXX, informing me that no error occurred on XX/XX/XXXX at the ATM machine that was malfunctioning when I attempted to make a deposit. I was also informed that I can request the information that they used to come to their no error occurred conclusion which left me without my debit card and XXXX missing from my checking account. I requested the details and refiled my claim on XXXX XXXX. I was informed that it will take XXXX days to complete a new investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Washington , DC XXXX Online Submission : https : //www.consumerfinance.gov/complaint/ Subject : Complaint Against Select Portfolio Servicing , Inc. for RESPA Violations and Mishandling of Mortgage Account To Whom It May Concern, I am submitting this formal complaint against Select Portfolio Servicing, Inc. ( SPS ) for systemic violations of the Real Estate Settlement Procedures Act ( RESPA ), as well as ongoing mismanagement and improper handling of my mortgage account, resulting in legal and financial harm. 

Background : - Original Foreclosure Order Date : XX/XX/XXXX - Multiple XXXX XXXX XXXX Filed : ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) - Motion to Reactivate Foreclosure Post Dismissal : Most recently on XX/XX/XXXX - Servicer : SPS Despite court bankruptcy plans and substantial plan payments made to SPS, the company has failed to : 1. Provide a detailed accounting of all funds paid and how they were applied.

2. Amortize arrearages accurately in line with federal bankruptcy rules and agreements.

3. Respond appropriately and timely to qualified written requests ( QWRs ).

4. Engage in meaningful or transparent loss mitigation efforts.

Further, SPS has reactivated foreclosure proceedings more than three years after the original order was entered, raising serious concerns about legal staleness, due process violations, and consumer harm.

Specific Allegations : - Failure to comply with RESPA by ignoring written requests for information and loss mitigation assistance.

- Unexplained discrepancies in balance calculations and failure to reconcile past payments.

- Misreporting or withholding information critical to my ability to cure the debt.

- Continuous legal harassment through reactivation of stale foreclosure claims.

Requested Relief : 1. Full audit of my mortgage account by a neutral third party or federal examiner.

2. Enforcement of RESPA and other federal protections regarding transparency and consumer rights.

3. Immediate halt to all collection or foreclosure activities until SPS complies with federal law and resolves the disputed account.

4. Monetary penalties or sanctions for willful noncompliance.

I am attaching my prior complaint to SPSs Ombudsman and demand swift regulatory intervention to protect my rights as a borrower. Thank you for your time and attention to this urgent matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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 was impacted by a recent data breach, and fraudulent accounts have been placed on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please ensure these accounts are blocked and deleted within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$00.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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 was impacted by a recent data breach, and fraudulent accounts have been placed on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please ensure these accounts are blocked and deleted within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$00.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
THIS IS THE LETTER I SENT ON XX/XX/XXXX : From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX To : Mercedes-Benz Financial XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Account Information and Payment History Dear Mercedes-Benz Financial Team , I am writing to formally request detailed information regarding my account with the account number XXXX XXXX XXXX XXXX XXXX XXXX ( Mercedes-Benz Financial ) . Kindly provide a complete record of the following information : 1. Payment History from XX/XX/XXXX, to XX/XX/XXXX. 
2. Charged-Off Date.

3. Closed Date.

4. Date of Last Activity.

5. Date Account Was Opened.

It is my expectation that all requested details will be provided promptly and in accordance with applicable laws and regulations. This information is pertinent for my personal records and financial management purposes.

Should any additional documentation or verification be required, please do not hesitate to reach out to me. You may contact me only by U.S. mail.

Thank you for your cooperation and assistance. I look forward to your timely response. 
Sincerely, XXXX XXXX without prejudice UCC 1-308 ON THE COPY OF MY CREDIT REPORT ATTACHED THE HIGHLIGHTED INFORMATION IN THIS ACCOUNT, THIS IS WHY IM REQUESTING THIS INFORMATION, Mercedes-Benz Financial Services IS IN VIOLATION OF THE FCRA SECTION 15 U.S.C 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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 am submitting this complaint regarding Equifaxs failure to block fraudulent accounts and their reinsertion of deleted data without notice, in violation of the Fair Credit Reporting Act ( FCRA ). I submitted two police reports ( XXXX and XXXX ), an FTC Identity Theft Report, and screenshots linking my data to the XXXX Equifax breach. Despite this, Equifax has reinserted deleted accounts without notice and failed to provide full file disclosure. This matter is causing me financial harm and emotional distress. I am prepared to proceed with arbitration if not resolved.

Company response to consumer: Closed with non-monetary relief