vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: LA

Complaint narrative:
SPS has repeatedly exercised economic coercion, manipulated escrow and accounting records, imposed unjustified fees, and pursued foreclosure activities despite knowing the property was environmentally hazardous and uninhabitable. 

These actions exhibit patterns commonly associated with predatory servicing, including : Creating or inflating defaults Misrepresenting payment attempts Delaying or denying loss-mitigation relief Misapplying payments or withholding them Using hardship as a revenue opportunity Forced insurance on ineligible property Pushing modifications that increase principal or add balloon payments I. Catastrophic Fire Created Environmental Hazard XX/XX/XXXX On XX/XX/XXXX, my home at XXXX XXXX XXXX XXXX suffered a fire that resulted in : Dioxin contamination directly caused by the fire, and Structural and environmental damage confirmed through official inspection. 

The home has been uninhabitable from the day of the fire forward. 
SPS Charged Me Mortgage Payments for Over Two Years on a Hazardous Home Despite receiving environmental findings from XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX showing : XXXX XXXX XXXX SPS continued to : Demand full mortgage payments Add late fees Accrue delinquency Charge forced insurance Deny legitimate hardship Add escrow shortages Initiate foreclosure proceedings Place me in an unfair trial modification This occurred while SPS knew the home was uninhabitable. 

These actions violate : 12 C.F.R. 1024.41 Loss mitigation 12 C.F.R. 1024.37 Forced insurance restrictions 12 C.F.R. 1024.17 Escrow handling rules UDAAP Standards Deception & Abuse IV. SPS Fabricated Returned Payments Proven False by XXXXXXXX XXXX  claimed that payments dated XX/XX/XXXX were returned from my XXXX XXXX XXXX XXXX account ending in XXXX. 

However, XXXX confirmed in writing that : SPS never attempted any withdrawals on those dates No payments were returned The same account was successfully used to pay the {$4900.00} reinstatement This constitutes : Account misrepresentation Servicer-level fraud Violation of FCRA duties to report accurately Violation of RESPA XXXX XXXX servicer error resolution ) XXXX New Modification Agreement Adds a Balloon Payment The XX/XX/XXXX modification terms : Increase payment amount Add a balloon payment Fail to recognize hardship Ignore environmental hazard Increase my loan balance ( now > {$110000.00} ) after 21 years of payments This constitutes predatory modification, violating : Loss Mitigation Standards UDAAP Abuse Requested CFPB Intervention

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am filing a complaint regarding an account being reported on my credit. I am requesting a full debt validation under the Fair Credit Reporting Act ( FCRA ). The furnisher has not provided proper verification, documentation with my signature, or proof that the debt is accurate, valid, and legally reportable. 
If the furnisher can not provide complete verification, I am requesting that the account be removed from my credit report. I am asking the CFPB to ensure the furnisher complies with FCRA requirements and corrects or deletes the entry if it can not be properly substantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
LVNV FUNDING LLC Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1200.00} LVNV Funding is reporting inaccurate information concerning an alleged debt for which I have no contractual relationship with them. I have not entered into any agreement with LVNV Funding, nor do I owe them any obligation. Their continued reporting of this unverified account is causing unjust harm to my creditworthiness and affecting my livelihood. Pursuant to my rights under 15 U.S.C. 1692c ( c ), I have requested that all communication regarding this disputed claim cease, and I am requesting the immediate removal of this inaccurate account from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: MD

Complaint narrative:
XX/XX/year> cash app close my account after I resend a family back there funds. My account was closed supposed violation I request the evidence on my behalf what happened its been 1 year cash app still havent given me documents understand my consumer rights. I have legal rights to my information they still will not give me the information. I been trying to appeal letting them know I am a mentor for women and children who are in need that was the reason for my app. I see cash app advise go funding to help familys who are in crisis

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: IL

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE 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 2025-11-19 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: NC

Complaint narrative:
I am filing this complaint because my credit reports contain multiple inaccuracies that I have been unable to resolve directly with the reporting agencies and furnishers, including several incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXwhich I never provided and do not recognize. My report also reflects erroneous account information requiring correction, including a late close notation for XXXX XXXX ( account starting XXXX XXXX XXXX  {$0.00} balance, opened XX/XX/XXXX ), multiple charge-off listings that are inaccurate or improperly reported such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is also a collection account listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is being reported inaccurately. Additionally, there are hard inquiries included in dispute that I did not authorize, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well as improperly linked addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These errors are harming my creditworthiness and appear to violate the Fair Credit Reporting Act since the information is neither accurate nor verifiable, and prior disputes have not resulted in proper correction or investigation.

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 2025-11-19 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 filing this complaint because my credit reports contain multiple inaccuracies that I have been unable to resolve directly with the reporting agencies and furnishers, including several incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXwhich I never provided and do not recognize. My report also reflects erroneous account information requiring correction, including a late close notation for XXXX XXXX ( account starting XXXX XXXX XXXX  {$0.00} balance, opened XX/XX/XXXX ), multiple charge-off listings that are inaccurate or improperly reported such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is also a collection account listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is being reported inaccurately. Additionally, there are hard inquiries included in dispute that I did not authorize, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well as improperly linked addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These errors are harming my creditworthiness and appear to violate the Fair Credit Reporting Act since the information is neither accurate nor verifiable, and prior disputes have not resulted in proper correction or investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: SC

Complaint narrative:
I am filing a complaint regarding Mohelas inaccurate credit reporting on six of my federally-held student loan accounts. Mohela reported 30-, 60-, 90-, 120-, and 180-day late payments throughout XXXX, but these delinquencies were caused entirely by Mohela sending billing statements and delinquency XXXX to an address I moved from in XX/XX/XXXX. 

Because Mohela continued to send all notices to a XXXX address, I did not receive : Monthly billing statements 30-day delinquency notices 60-day delinquency notices 90-day delinquency notices 120-day delinquency notices 150-/180-day default warnings Email contact Phone contact Any opportunity to cure the delinquency Federal student loan servicing regulations require servicers to maintain accurate borrower contact information and send proper notices before reporting any delinquency. Mohela violated these requirements. 

The delinquencies occurred due to Mohelas servicing errors, not failure to pay. I have since brought all six accounts current through an IDR plan.

I am filing a complaint regarding Mohelas inaccurate credit reporting on six of my federally-held student loan accounts. Mohela reported 30-, 60-, 90-, 120-, and 180-day late payments throughout XXXX, but these delinquencies were caused entirely by Mohela sending billing statements and delinquency notices to an address I moved from in XX/XX/XXXX. 

Because Mohela continued to send all notices to a XXXX address, I did not receive : Monthly billing statements 30-day delinquency notices 60-day delinquency notices 90-day delinquency notices 120-day delinquency notices 150-/180-day default warnings Email contact Phone contact Any opportunity to cure the delinquency Federal student loan servicing regulations require servicers to maintain accurate borrower contact information and send proper notices before reporting any delinquency. Mohela violated these requirements.

The delinquencies occurred due to Mohelas servicing errors, not failure to pay. I have since brought all six accounts current through an IDR plan.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-19 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: I.C. System, Inc.
State: CA

Complaint narrative:
I am disputing a collection listed on my XXXX  credit report from IC System, which I viewed through Credit Karma. The collection was opened on XX/XX/XXXX, for an account allegedly tied to an address where I did not live. 

I moved out of the address associated with this account in XXXX, so this account should have been closed. Despite this, the account remained open and was later sent to collections. 

I previously disputed this account with XXXX XXXX XXXX  accepted the certification from IC System, even though I provided proof that I did not live at the service address. 

I have documentation proving my residence during the relevant period, showing I did not live at the service address when the collection was created : 1. Voter registration showing my residence at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, XXXX XXXX, active from XXXX through XXXX 2. W-2 from XXXX showing my residence at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. Official notice dated XX/XX/XXXX confirming my residence at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX These documents prove I did not live at the address associated with this collection, and therefore the debt is not mine. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting : A full reinvestigation of this account Proof from IC System that I lived at the service address during the billing period Removal of this collection from my credit report if IC System can not provide such proof

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 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
Add to complaint : XXXX in addition : Adding late charges for onetime payments. Charging Interest on a interest free if paid with in XXXX months and onetime payments. 
Also charging for a statement that did not receive. 
This is harassment for filing a report on cfcp. The sent past statements that are unreadable.

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 monetary relief
Consumer complaint received 2025-11-19 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: TX

Complaint narrative:
INACCURATE LATE PAYMENTS. I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd
State: MT

Complaint narrative:
I opened a Wise account in XXXX XXXX, immediately after turning XXXX on XX/XX/XXXX. Wise was my first choice for an international financial platform, and I trusted the company to begin building my financial history as an adult. 
On XX/XX/XXXX, I attempted to receive XXXX from my own XXXX bank account. Wise required identity verification, which I completed correctly. Right after verification, Wise permanently closed my account without giving any factual reason. The XXXX was later returned, but the issue is not the money it is the unjust treatment and a lack of due process. 
I am a newly-adult consumer with no previous banking violations, no suspicious activity, and no third-party transfers. Wise has refused to provide : - any explanation or evidence, - any meaningful investigation details, - any fair appeal process. 
Closing my very first global financial account immediately after obtaining my identity documents sends a damaging message to a young consumer who chose to trust Wise. I believe this treatment is unreasonable, disproportionate, and may violate consumer rights and principles of fair access to financial services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: MI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I am disputing the reporting of a paid collection account being furnished by XXXX XXXX XXXX ( XXXX ) for an alleged balance originally tied to XXXX XXXX XXXX ( Account XXXX XXXXXXXX ). Although the account was paid in full on XX/XX/year>, XXXX continues to report it as a paid collection, which is negatively affecting my credit profile despite having a {$0.00} balance and being closed. 

I was never provided proper documentation showing how the alleged balance was calculated, nor any validation required under the FDCPA before the debt was reported. XXXX has not supplied : The original billing statements from XXXX A full itemized breakdown of the {$140.00} balance Proof the debt was valid prior to payment Validation notice required by FDCPA 1692g Documentation of any dispute investigation under FCRA 1681i Any evidence showing CCS had authorization to furnish data to the credit bureaus after the account was paid A paid balance does not resolve the requirement to validate the debt, nor does it remove the furnishers obligation to ensure accurate, complete, and non-misleading reporting. Continuing to report a paid collection without proper validation or reinvestigation violates : FDCPA 1692g ( b ) ( failure to validate ) FCRA 1681e ( b ) ( maximum possible accuracy ) FCRA 1681s-2 ( b ) ( duties of furnishers after a dispute ) This tradeline is outdated, misleading, incomplete, and continues to cause harm despite being paid and closed more than a year ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate collection accounts that are currently appearing on my credit report. 

I discovered these inaccuracies while reviewing my credit report from XXXX XXXX The following accounts are being reported in error : XXXX XXXX Name : Midland Credit Management Account Number : XXXX ; XXXX ; and XXXX Issue : All XXXX accounts were paid but still reporting. 

I have already contacted the credit reporting agencies to dispute these accounts, but the issue remains unresolved. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information on my credit report. These items do not meet that standard. 

I am requesting that the CFPB investigate this matter and ensure that the reporting agencies and collection companies comply with all applicable consumer protection laws. I am also requesting that these inaccurate collection accounts be removed from my credit file as they are inaccurately reporting. 

Thank you for your prompt attention to this matter. I look forward to a resolution and the correction of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: Security Credit Services, LLC
State: TX

Complaint narrative:
RE : Complaint Against XXXX  XXXX XXXX Security Credit Services & XXXX  Illegal Credit Reporting To Whom It May Concern : I am filing a formal complaint against XXXX XXXXXXXX XXXX Security Credit Services. 

This furnisher has reported false, impossible, and illegally re-aged information, including : Opening date after the date of last activity Re-aging for multiple years Duplicate reporting under different names Conflicting balance and delinquency information Incorrect XXXX late status These actions violate : FCRA 1681e ( b ) FCRA 1681i ( a ) FCRA 1681c FCRA 1681s-2 ( a ) & ( b ) FDCPA 807 & 808 The reporting is knowingly false, harmful, and illegal. 

I request the following : Immediate deletion of the account from all bureaus Full investigation into the furnisher Penalties for willful noncompliance Consumer damages Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Company closed andXXXX charged off account without my consent or knowledge

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have a valid settlement agreement with American Express, and I honored almost all the payments. However, Amex failed to debit a mutually agreed {$200.00} payment in XXXX, XXXX despite sufficient funds and proper instruction. Instead of working with me, they sent my account to collections and reported it to credit bureaus. 

This was a clear servicing error by American Express not a failure on my part. As a result, my credit has been unfairly damaged. 

I request : 1. Immediate recall of my account from the collection agency.

2. Removal of all negative credit reporting associated with this error.

3. Reprocessing of the missed {$200.00} debit so my settlement can be properly completed, in good standing, as originally agreed. 

I have attached all supporting documents ( settlement offer, confirmation, bank statements, communications, etc. ).

Company response to consumer: Closed with explanation