vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
To Whom it May Concern, This is XXXX XXXX. Loan # XXXX I filed a complaint with the XXXX and you responded. However, your response wrong and yet again highlights your incompetence and lack of customer service. 
Complaint ID XXXX You took XXXX months to reply, and still managed to miss the points I discussed. Even though they were clearly numbered. Maybe use XXXX XXXX next time to make sure youre responding properly. 
I WILL ASK AGAIN! 
In regards to your response : 1. I never received the XX/XX/year> check you claimed youve mailed out in the amount of {$4000.00}!!!!!!!!!! 
You attached a check from XXXX!!!!! 
2. Id like to see proof that youve paid those said above taxes to the county ( {$24000.00} ). Ive never received a tax bill and I pay my own taxes. So this makes no sense. 
What you wrote doesnt make sense. Get the proof from the county!!!! If not, then this is a blunt lie.

3. I never received that check from the county that youre referring to ( # XXXX )!!!!!!!!!!!!!! 

USE THE NUMBERS TO REPLY PROPERLY This is the last time youll get this chance. The next time, Ill involve a lawyer and start a lawsuit. 

Id like to see proof to everything youre claiming. Because for all I know- those are all lies. 
When I called the county they couldnt confirm any of this. 

Let me explain. Please use the attached sheet ( from your website ) for reference : Original tax paid {$72000.00} Amount refunded {$72000.00} Extra payments Ive made towards the escrow account ( payments you deducted minus the actual mortgage amount ) : XXXX {$7100.00} ( XXXX XXXX ) XXXX {$7100.00} XXXX {$7100.00} XXXX {$7100.00} TOTAL : {$28000.00} XXXX REFUND TO ME - {$4200.00} Still owed : {$24000.00} On XX/XX/year> there is a tax disbursement which I was supposed to receive from you, but I never did. In the amount of {$24000.00}. 
You actually admitted XXXX owed this, but again, never sent the money. It is CLEARLY in the stsement. 

Lets continue : XXXX {$4000.00} ( XXXX XXXX ) XXXX REFUND TO ME - {$4000.00} So, you currently owe me : {$24000.00} Please settle this or else I will go to court. I already have a lawyer working on this. Ive been wasting HOURS of my time every week and your representatives are all useless and make false promises. Only going through this route actually made you respond to me. 
In the case we go to court, I will also sue for my lost time and your lie, deceive and disrespect to the matter. 
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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This complaint concerns an auto loan reported by JPMCB Auto ( Chase Auto Finance ), account number XXXX. The account was opened in XX/XX/XXXX with an original balance of {$40000.00}. It was charged off in XX/XX/XXXX, showing a past due balance of {$36000.00}, and continues to be furnished as negative on my credit reports. 

I dispute this reporting because JPMCB has not provided proof that it still owns this receivable. JPMorgan Chases public XXXX filings state : JPMorgan Chase securitizes , sells and services residential mortgage, credit card, automobile and commercial loans. Assets sold to XXXX  as part of the securitization process are not reflected in JPMorgan Chases Consolidated balance sheet, but are included on the balance sheet of the XXXX purchasing the assets. 

This disclosure confirms that Chase routinely sells and securitizes auto loans, removing them from its balance sheet and transferring them into trusts. For example, Chase Auto Owner Trust filings show that JPMCB transfers auto loan receivables to these trusts. 

Despite this, JPMCB continues to report this account under its own name, without disclosing whether it sold, assigned, or securitized the receivable. Furnishing the tradeline in this way is incomplete and misleading under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). 

I previously disputed this account directly with JPMCB Auto and through the credit bureaus. JPMCB responded by stating that the account was accurately reported and that it would not review the dispute further unless I provided new evidence. However, JPMCB never produced ownership documentation proving that it continues to hold this receivable. The new information I am presenting is JPMorgan Chases own SEC filings, which admit that automobile loans are securitized and removed from the balance sheet. This calls into question whether JPMCB still owns the account it is reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
Re : Request for Debt Validation Account Number : __________________ Dear Debt Collector, I am writing in response to your phone call dated XX/XX/2025 regarding the collection of the above-referenced debt. Please be advised that I dispute this debt and request full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Specifically, I request that you provide the following : The amount of the alleged debt, including an itemized accounting of all interest, fees, and charges. 

A copy of the original signed contract, agreement, or other documents that prove I am legally obligated to pay this debt. 
Verification that you are licensed to collect debts in my state, including your license numbers and registered agent. 

Proof that you have the legal right to collect this debt, including a copy of any assignment or transfer of the debt. 

Until you provide the requested documentation, you must cease all collection activities, including reporting this debt to credit bureaus, contacting me by phone, or pursuing legal action. 

Please be advised that I am keeping detailed records of all correspondence. If you fail to provide proper validation, or if you continue collection activities without first validating the debt, you will be in violation of the FDCPA and I will not hesitate to report your actions to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my state Attorney Generals office. 

I request all further communication be made in writing only. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am disputing XXXX accounts reported by Midland Credit Management ( MCM ), both allegedly originating from XXXX XXXX with a balance of {$380.00}, opened XX/XX/year>, and another with a balance of {$2300.00}, opened XX/XX/year>. I have never opened an account with MCM, nor have I had any business relationship with them. I formally requested, pursuant to FDCPA 1692g, verification of ownership, the complete chain of title, a detailed itemization of each alleged debt, and proper debt validation notices, but MCM has failed to provide any of the required documentation. Reporting these unverified accounts to credit bureaus constitutes a violation of FCRA 1681i and represents unfair, deceptive, and abusive practices under UDAAP. These actions are causing unjust harm to my credit profile. I demand the immediate deletion of both accounts from all credit reporting agencies and seek confirmation that no further reporting will occur until proper verification is provided. Continued reporting without validation will be treated as a willful violation of federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Balance : {$660.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-10-01 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Balance : {$360.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am formally notifying you that your collection activity is unlawful in the State of New York. Under New York Financial Services Law 408 and N.Y. Comp. Codes R. & Regs. Title 23 1.1, a debt collector must be licensed by the New York State Department of Financial Services ( DFS ) to engage in debt collection within the state. It is my understanding that Midland Credit Management , Inc. is not licensed to collect debts in New York and therefore lacks the legal authority to pursue this matter.

Furthermore, any continued attempts to collect this alleged debt will constitute violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., including but not limited to : Misrepresentation of legal authority ( 1692e ( 5 ), ( 9 ), ( 10 ) ) Engaging in unfair or unconscionable means to collect ( 1692f ) In addition, if your company has reported or continues to report this alleged debt to any consumer reporting agencies ( XXXX XXXX XXXX  or others ), such reporting is unlawful and misleading under 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ). You are hereby demanded to remove all such negative reporting immediately. Failure to do so will be considered further unlawful conduct and may result in legal action.

Accordingly, you are hereby instructed to CEASE AND DESIST all collection efforts immediately, including but not limited to phone calls, letters, electronic communications, and credit reporting. 

This letter also serves as notice that I expressly reserve all rights to pursue damages, attorneys fees, and any other remedies available under federal and state law for your unlawful conduct. 

Please govern yourselves accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: AZ

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: RI

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 2025-10-01 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-10-01 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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