vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Darnel Quick Recovery, Inc.
State: NC

Complaint narrative:
I was contact by Darnel Recovery Inc via email, the email stated that XXXX XXXX ( not me ) owed a debt to XXXX XXXX. I replied to the email stating that I am not XXXX XXXX and that they had the wrong email address for the said XXXX XXXX. In the first email they named XXXX XXXX as the Guarantor. After I sent the email informing them that I am not XXXX XXXX they then sent another email listing me as the Guarantor for a past due XXXX XXXX bill. I then called XXXX XXXX just to be sure that I did not have a debt with them and they ( XXXX XXXX ) informed me that I have no account associated with my personal information nor do I owe them a debt. I emailed Darnel Recovery to inform them of the conversation that I had with XXXX XXXX and I asked them to remove me from their mailing list and to not contact me anymore I also called them to inform them of the conversation that I had with XXXX XXXX yet they have continuously emailed me and stated they are demanding the past due debt. I have multiple emails even after I asked them to stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
Subject : Formal Complaint Regarding Loan # XXXX To Whom It May Concern, I am writing to formally lodge a complaint against XXXX XXXX XXXX  concerning the handling of my mortgage loan ( # XXXX ), which was purchased from XXXX XXXX. I have previously submitted several complaints related to this matter, and I feel it is necessary to highlight the key issues here once again for immediate attention. 
1. Improper Tax Payments and Escrow Deficit : After XXXX XXXX XXXX acquired my loan, the company failed to complete necessary checks and balances, resulting in the payment of my property taxes twice. This caused a significant deficit in my escrow account. Following this error, XXXX XXXX XXXX stated that I had a shortage of {$5000.00} in my escrow. However, I later learned that the company received a refund for the overpayment of taxes from the state, yet they continue to claim that {$2700.00} is still missing from my escrow account. These funds are not owed by me but are being treated as a required cushion by XXXX XXXX XXXX, which I dispute. 
2. Incorrect Credit Reporting and Payment Changes XXXX XXXX XXXX XXXX  has also reported incorrect information on my credit report, which has negatively impacted my credit score. Furthermore, the company has altered my monthly payments on three separate occasions, creating confusion and financial strain. These changes have had an adverse effect on my credit and have caused significant inconvenience and stress.

Due to the numerous errors and improper actions on the part of XXXX XXXX XXXX I am requesting the following : Immediate Return of All Funds : I request the return of all additional funds in my escrow account that were mistakenly retained by XXXX XXXX XXXX, as well as the correction of the inaccurate claims regarding the escrow shortage.

Escrow Removal : I request that the escrow account be removed from my monthly mortgage payments, given the repeated errors and mismanagement of the account.

Loan Discharge : If XXXX XXXX XXXX fails to resolve this issue promptly and satisfactorily, I will seek a complete discharge of my loan due to the company 's failure to meet its obligations and adhere to proper mortgage laws.

Please be advised that I will not hesitate to pursue any legal action necessary to protect my rights, including filing formal complaints with relevant regulatory authorities and considering further legal avenues. I expect to receive a response from XXXX XXXX XXXX within 15 business days from the date of this letter to resolve this matter promptly.

Thank you for your immediate attention to this serious issue. I look forward to your swift and comprehensive response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I am questioning the accuracy and accredited of XXXX College in XXXX  XXXX, VA. They are not honest about their for-profit status. The fee amount does not correlate nor is it ethical based on my academic attendance and completion. The school is charging me interest on a subsidized loan ( {$5700.00} ). I have multiple unsubsidized loans ( $ XXXX ) that they have falsely listed as " Forbearance status '' and they are still enforcing payment and reporting debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: FL

Complaint narrative:
Corelogic XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/scrub>/2025 Subject : Cease and Desist Request Regarding Unauthorized Use of Personal Information Dear Corelogic, I am writing to formally address a serious concern regarding the unauthorized use of my personal information. My name is XXXX XXXX, and I have never given permission for Corelogic to use, share, or disclose any of my personal information, including my name, address, or Social Security number, to any third party without my explicit consent. 

This unauthorized use of my information constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, as well as the Gramm-Leach-Bliley Act, 15 U.S.C. 6802. As such, I am requesting an immediate cease and desist from any further use of my personal information. 

Furthermore, I demand that you delete any and all files and records that you have obtained regarding me without my knowledge or consent. It is imperative that all such information is removed from your databases promptly. 

Please be advised that if these records are not removed immediately, I will be prepared to take legal action against Corelogic for the violation of my rights and any damages incurred as a result of this unauthorized use of my personal information. 

I expect a written confirmation of the deletion of my information and a response to this request within 14 days. Thank you for your prompt attention to this matter. 

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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
payment history for XXXX XXXX  is inaccurate and needs to be updated .if this can not be validated please update to paid as agreed never late. under the FCRA, the consumer has the right to : Request a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted.

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 2025-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
I am writing to formally dispute the information on my credit report regarding the account referenced above. After reviewing my credit report, I believe this account should no longer be reported as it is more than 10 years old. 

According to the Fair Credit Reporting Act ( FCRA ), negative information should only remain on my credit report for a maximum of seven years. This account is beyond that time frame and, therefore, should not appear on my report. 

Here are the details of the account in question : Account Name : Security Finance XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX  Date of Last Activity : XX/XX/XXXX  Please investigate this matter and remove the outdated account from my credit report as soon as possible. I request that you send me an updated credit report reflecting the correction once the investigation is complete. 

Thank you for your prompt attention to this matter. Should you require any further information or documentation from me, please do not hesitate to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
They said they could not reverse the fees because they were not at fault for the error to making my escrow negative, then proceeded to try to sell my condo. 

My mortgage company erred in sending my account to collections, and now I deal with a collection agency that miscounted my veteran status, and assessed taxes from my escrow mistakenly. Instead of simply correcting the error, the company told me to let them pay it, then get a refund each year. Unbeknownst to me, they were paying from my escrow. Once my payment increased due to the inevitable exhaustion of escrow funds ( I just bought my home in 2021 ), I was unable to keep up with the payments and began fighting to figure out why my payment was so high. The company has still never outright admitted to their failure to inform me of the need to deposit the refund checks back into my escrow account. They also failed to simply make the adjustment in their system to stop assessing taxes from my account. 

I am a XXXX XXXX XXXX XXXX  veteran who has been assessed taxes even though Im tax exempt. The refund checks I received were from my escrow without my knowing. Had I known, I would have deposited them back into my escrow account. After fighting for a few years, I am forced to pay the fees to keep my home.

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 2025-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Jim Bottin Enterprises, Inc
State: IL

Complaint narrative:
On XX/XX/scrub>/2025, I transferred money to XXXX card from my XXXX XXXX  account. After the transfer, I removed my XXXX XXXX  account information from XXXX XXXX website. I purchased membership at XXXX XXXX using XXXX XXXX card. XXXX XXXX XXXX XXXX charged the XXXX card and my XXXX XXXX  account XXXX XXXX representative said they did not share the info and my XXXX Bank debit card was not linked at the time of the purchase. Cash App recommended I blocked XXXX XXXX XXXX XXXX from XXXX and XXXX XXXX  XXXX I blocked XXXX XXXX XXXX from XXXX XXXX  years ago because they were double billing. XXXX XXXX  confirmed that XXXX XXXX and XXXX XXXX XXXX is blocked from my XXXX XXXX  Account. Apparently XXXX XXXX XXXX have many company names that they use for billing. When they are unsuccessfully with one, they try to take money using a different company name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Debt XXXX are attempting to collect a debt I have no knowledge of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Under 15 U.S.C. 1681i ( a ) ( 5 ), I demand the immediate investigation and deletion of all inaccurate, outdated, or unverified accounts and inquiries listed below. 
XXXX XXXX  XXXX XXXX {$260.00} XXXX XXXX XXXX XXXX, {$940.00} XX/XX/XXXX XXXX XXXX, {$320.00} XX/XX/XXXX XXXX XXXX, {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX, {$2400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$4400.00} XX/XX/XXXX XXXX XXXX XXXX, {$34.00} XX/XX/XXXX XXXX XXXX XXXX, {$990.00} XX/XX/XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX Second attempt : Failure to comply within 30 days will result in formal complaints with the CFPB, FTC, and legal action for damages under 15 U.S.C. 1681n and 1681o. 

Simply " parroting '' information from data furnishers without an actual independent verification constitutes willful noncompliance, as affirmed in XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 

The impact this is having on my credit is resulting in me not being allowed the credit I should have for my business and home buying ability. Thus if not removed immediately, I will forced to contact my legal counsel both my personal lawyers and state and federal attorney generals along with my congressman to peruse legal actions against.

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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Transunion reported inaccurate information on my report after I provided them with proof of accurate information. I have called and spoke to supervisors on numerous times to discuss the problems. They still continue to drop my score with no legitimate explanations.

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 2025-03-30 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: GA

Complaint narrative:
XXXX XXXX XXXX has engaged in multiple harmful practices that have significantly impacted my credit and financial well-being : XXXX. False Reporting to Credit Bureaus : - They have falsely reported late payments to the XXXX major credit bureaus ( XXXX, Equifax, and XXXX ). 
- These false entries began appearing on my credit report around XX/XX/XXXX and continue to negatively affect my credit score. 
- I have not received any explanation or proof from XXXX XXXX XXXX to justify these reports. 2. Predatory Lending Practices : - XXXX XXXX XXXX used unclear and deceptive lending terms, which I now believe qualify as predatory practices. 
- They did not provide clear disclosure forms or proper documentation at the time the account was opened or during its servicing. XXXX. Actions I Took : - I contacted XXXX XXXX XXXX several times between XX/XX/XXXX until XX/XX/XXXX to dispute the late payment entries and requested supporting documentation, but they failed to respond adequately. 
- I reviewed my records and confirmed that the information they reported does not match my payment history. XXXX. Actions by the Company : - Despite multiple attempts to address these concerns, XXXX XXXX XXXX has not provided any disclosures or evidence to justify their reporting. 
- They continue to share incorrect information with the credit bureaus, causing ongoing damage to my credit profile. Specific Request : Cease All Contact : I request that XXXX XXXX XXXX stop all direct communication with me. 
- Correct Credit Reporting : The company should amend my credit report to remove all inaccurate late payment entries. 
-Delete the Account : I am requesting a full deletion of this account from my credit reports with Equifax XXXX XXXX and XXXX have already deleted the account from my credit report. 
-Provide Disclosures : XXXX XXXX XXXX XXXX provide all disclosures and documentation that validate their credit reporting actions, as required by law. Impact : These false reports have harmed my credit score, affecting my ability to obtain credit or loans under reasonable terms. Additionally, the lack of disclosure and transparency has caused me undue stress and frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX, a debt collection agency, for inaccurate and misleading information being reported on my credit report. Despite my having paid and settled the account through XXXX, XXXX XXXX continues to report the account as outstanding and not paid, which is causing unnecessary harm to my credit profile. 
Account Details : Original Creditor : XXXX XXXX  ( XXXX XXXXXXXX ) Account Number Ending in XXXX XXXX Account Number : XXXX Payment Settlement XXXX I settled the account with XXXX  which was acting on behalf of XXXX XXXX  XXXX I received confirmation that the account was paid and settled, and there were no remaining balances owed. However, XXXX XXXX continues to report this account as outstanding on my credit report with the major credit bureaus, which is both inaccurate and damaging to my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Received a letter in the mail in XX/XX/XXXX with an amazon store card ( through Synchrony ) saying it had already been activated, I did not open this card nor this account. When I called to cancel they did cancel the account and informed me that the card/account had been opened in XXXX of 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 2025-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IN

Complaint narrative:
I'm XXXX XXXX XXXX My original cash app out I had over XXXX that I had stolen. Did everything with the police, and thru the fdic and filed the identity theft stuff the man was XXXX southern who robbed me twice. Once he took all my money. The second they refunded me and they didn't even stop him from getting into my account when they were to.block any.other device from getting access to.my account and he took all the money refunded. I got bot reply after bot reply to then be told that basically I was harassing them and the closed that account and it's been 3 years this summer and have yet to be able to get anyone to talk.to me. I did everything the way I was supposed to.and I need my money. XXXX is life changing. They literally destroyed my life and cost me everything thing I own. Everything. That is not even a joke

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this complaint to request verification of an account that has been attributed to my name. I have made multiple attempts to obtain documentation from the company involved, specifically requesting the assignment contract and any supporting documentation that confirms how the account was verified and that it legitimately belongs to me.

Despite my efforts, the company has failed to provide sufficient documentation or evidence to support the validity of this account. Under the Fair Credit Reporting Act ( FCRA ) and CFPB Regulation F ( 12 CFR Part 1006 ), I have the right to receive clear, detailed, and verifiable information regarding any debts or accounts reported in my name.

To date, the company has not provided the requested assignment contract or other documentation, raising concerns about the accuracy and legitimacy of the account. I am seeking the CFPB 's assistance in ensuring that the company complies with the applicable regulations by providing all relevant documentation or removing the unverified account from my records. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation