vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: IN

Complaint narrative:
Due to the recent lawsuit filed against Equifax on XX/XX/XXXX I insist you conduct an investigation as you are required by the FCRA law. I will explicitly say do not accept the findings of the furnishers who dont provide thorough results of their investigation which I asked to provide to me in exact details via mail and not through your online portal. Your online portal is garbage. Please delete the following disputed accounts and information, within the required timeline of 30 days, as set forth by the FCRA which is federal law.

Disputed item 1 : XXXX XXXX  account number XXXX opened on XX/XX/XXXX and a balance of {$1000.00} Disputed item 2 : credit collections with account number XXXX and a balance of {$300.00}. The original creditor is progressive Disputed item 3 : XXXX XXXX employee credit union deposit with account number XXXX opened on XX/XX/XXXX and a balance of {$2000.00} Disputed item 4 : XXXX XXXX XXXX XXXX XXXX secured credit card with account number XXXX opened on XX/XX/XXXX, and the balance of {$110.00} Disputed item 5 : collection account from credit coll with account number XXXX and the balance of {$160.00}. The original creditor is XXXX vehicle prop IN co Please do not push me to find a lawsuit against you locally as your failure to delete disputed account accounts would be a clear violation of my rights in the FCRA laws. Furthermore, upon confirming the inaccuracies you must promptly delete or correct information as required by 15 USC 1681I ( a ) and 15 USC 1681S 2B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: VA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report.

These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX remains on my credit report as a fraudulent item and Ive asked to use consumer law 605B to block and permanently delete it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> Central Portfolio Control XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Cease and Desist Notice Account # XXXX To Whom It May Concern : I am writing regarding the alleged medical debt you claim I owe. Under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), this letter serves as my formal demand that you cease all communication with me immediately concerning this matter.

This includes, but is not limited to, phone calls, letters, emails, text messages, or any contact made to me or third parties. You are legally permitted to contact me only for the following reasons : 1. To inform me that you are stopping collection efforts, or 2. To notify me of any specific legal action you intend to pursue.

Additionally, if you contend that I owe this debt, you must provide full and proper validation, including the name and information of the original creditor, an itemized amount, and all supporting documentation showing that I am legally responsible for the debt.

Failure to comply with this cease and desist request will result in documented evidence for potential complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Arizona Attorney General, and any other appropriate regulatory authorities.

I expect written confirmation that you have received this notice and that you will comply with all applicable federal laws going forward. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/year>, docket was given that shows court orders for tenant. XXXX XXXX XXXX  XXXX, XXXX and/or owner continued to send/sell inaccurate information/report to XXXX XXXX XXXX XXXX XXXX 
The information that is being reported by XXXX XXXX XXXX on all 3 bureaus is inaccurate/false. 
The FCRA requires credit reporting companies to ensure the accuracy of the information they collect and to correct or remove any inaccuracies that are reported.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/year>, docket was given that shows court orders for tenant. XXXX XXXX XXXX  XXXX, XXXX and/or owner continued to send/sell inaccurate information/report to XXXX XXXX XXXX XXXX XXXX 
The information that is being reported by XXXX XXXX XXXX on all 3 bureaus is inaccurate/false. 
The FCRA requires credit reporting companies to ensure the accuracy of the information they collect and to correct or remove any inaccuracies that are reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I recently was disputed charges with cash app of which they ruled in my favor but the amount I received is far from the amount I actually was missing. They sent {$1200.00} I am missing two other transactions that should of been apart of last dispute one for {$130.00} and another for {$320.00} and one more for {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
To Whom It May Concern : I am responding to your recent communication regarding the alleged debt referenced above. This letter serves as my formal request for validation of the debt, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide complete and legally required documentation showing : Proof that I owe this alleged debt, including : The name and address of the original creditor The original account number A complete, itemized accounting of the amount you claim I owe Copies of any contract, agreement, or application bearing my signature Proof that LVNV Funding, LLC owns and has the legal right to collect this debt, including : A full chain of assignment/bill of sale from the original creditor to LVNV Funding Documentation showing your legal authority or license to collect in my state Verification that the debt is within my states statute of limitations for collection or litigation.

Until you provide the above documentation, you must cease all collection activity, including phone calls, letters, and credit reporting, as required by the FDCPA. I also request that all future communication be in writing only.

If you are unable to provide the requested validation, you must : Cease all collection efforts, and Remove any reporting of this account from my credit reports with all credit bureaus.

Please do not sell, assign, or transfer this alleged account while the validation request is pending.

Thank you for your cooperation. I look forward to your timely response.

Sincerely, Your Name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
concerning mandatory purchase of hazard/flood insurance in lieu of reverse mortgage debt.complaint is reverse mortgage company purchased hazard/flood insurance at maximum amount price gouging without authorization or notice either by paper or email i am mandated to purchase hazard/flood insurance because of the reverse mortgage debt .. for a duration of time between applying for the reverse mortgage, my late wife purchased the seperate insurance through a discounted provider.my wife was the sole financial handler of this account ... the reverse mortgage company did not notify me that if i did not purchase the insurance on my own, the reverse mortgage company would buy it at maximum provider price, for me without informing me of the increase or difference from what i could buy the insurance at a discounted rate.. i believe for XXXX or 4 years-the company, without informing me would purchase the insurance and add it to the balance and increasing the interest without informing me or requesting any information as to why i did not purchase it on my own at discount .. my discount would be at XXXX XXXX per year but they would buy it in my place without informing me for XXXX to XXXX XXXX per year .. therefore increasing my debt substantially without their assistance or knowledge of this practice .. my wife was the initial purchaser of the insurance until she passed away in 2021 XXXX .. after this date i believe that the reverse mortgage company failed to notify me about purchasing insurance at a much discounted reasonable rate .. instead they bypassed informing me and purchased the insurance themselves at a much higher rate .. my request is that the reverse mortgage company would recompense this price gouging purchasing of insurance because i was not given a chance to buy it myself at discount .. beware of this company predatory practice where they will purchase insurance for you if you do not .. they are not a reputable business where your financial well being are not in their best interest

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Was trying to sell house, first buyer fell though, had a XXXX then had to file a XXXX to clear debt, sale moved to XXXX but have a creditor meeting XXXX XXXX at XXXX. Called Shellpoint on XXXX to XXXX and called on XXXX Shellpoint said NO SALE said call XXXXXXXX XXXX XXXXXXXX there foreclosure attorney at XXXX and rep said WAS VERIFYING XXXX AND STILL PROCEEDING WITH SALE AND DIDNT CARE WHAT SHELLPOINT SAID! Am not trying to not pay, will sell house but need time if need be and Shellpoint doenst give it. Not being personal but had to put a restraining order on ex-boyfriend, was calling texting and harrasing me for 18 months, til my friend send letters to the XXXXXXXX XXXX XXXXXXXX Sherrifs, will sell house if need be and canx the XXXX just need time and have an potential offer is under market value just to get rid of it and move on. Just need the time, the rep XXXX XXXX the loss mitigation specialist for Shellpoint has been great, Have a roomate who beat XXXX for 9 months, can help with mortage if need to modify until house is sold, so whatever Shellpoint wants to do besides foreclose will do, thank you very much for you conderation. FILED PRO-SE so can call anytime and have an authrize user.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: PA

Complaint narrative:
Jefferson Capital Systems ( Account Number : XXXX ) Violations and Inaccuracies : No Chain of Title or Assignment Documentation : Required to display ownership for debt buyer accounts per Metro 2 & CRRG.

No Payment History Grid : Payment information lacking.

Metro 2 Compliance : Provide accurate chain of title, payment and assignment data or remove record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: AZ

Complaint narrative:
Between XXXX XXXX XXXX, my SoFi checking account ( ending XXXX ) was hit with ten ( 10 ) separate unauthorized debit card charges from merchant XXXX * totaling {$3100.00} ( {$3000.00} + one {$100.00} or whatever your exact total is ).

I filed written disputes on all ten transactions within 48 hours and provided SoFi with written confirmation from the merchant that they have no record of any of these charges or authorizations. 

Today, XX/XX/year>, more t

han 10 business days after my initial written notices, SoFi has refused provisional credit on every single dispute, stating only this type of dispute doesnt qualify for provisional credit with no further explanation. SoFi is in ongoing violation of Regulation E ( 12 CFR 1005.11 ( c ) ( 2 ) ( i ) ), which requires provisional credit within 10 business days when resolution can not be completed in that time, unless one of the narrow exceptions applies. None apply here : My account is not new ( <30 days old ) My account is not subject to repeated overdrafts SoFi has provided zero evidence of suspected fraud Less than one hour ago I sent formal demand letters on every dispute ( case numbers listed below ) demanding immediate provisional credit by XX/XX/year>, or I would file with CFPB and OCC today.

I am now doing exactly that.

I demand immediate provisional credit of the full {$3100.00} ( or your exact total ) and final resolution of all disputes.

Dispute case numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, [ add any missing one here ] Attached : Merchant letter confirming no record of any transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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 2025-11-25 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Contract Callers, Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  To Whom It May Concern, I am contacting you regarding a debt you claim I owe. I do not acknowledge this debt and am requesting full validation in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Please provide the following information so I can verify the validity of the debt : 1. The name and address of the original creditor.

2. The original account number.

3. A copy of any written agreement or contract bearing my signature showing that I agreed to this debt.

4. A complete itemization of the amount claimed, including principal, interest, fees, and any other charges.

5. Proof that your company is authorized to collect debts in my state.

6. Proof that you have legal ownership of, or the right to collect on, this debt.

7. The date of alleged default and the date of the last payment.

8. Documentation showing how the amount you claim is accurate and legally owed.

Until this information is provided, please cease all collection activity and do not report any information regarding this account to any credit reporting agency. If the debt has already been reported, please mark it as disputed until your investigation and validation are complete. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2025-11-25 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:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-25 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
These debt collectors have engaged in abusive, deceptive, and unfair practices in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, they failed to follow the legally required five-step debt validation process, denying me my right to proper notice and verification, which constitutes an unfair and unlawful practice. Under the FDCPA, I am entitled to up to {$1000.00} per violation, and these actions represent clear violations of my consumer rights.

Company response to consumer: Closed with non-monetary relief