vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-10-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing the reporting of a XXXX account on my credit reports. I previously requested verification of this debt, and XXXX provided me with a written documentation confirming that I do not owe this debt. Despite this, the account is still being reported with a balance on Experian, Equifax, and TransUnion. 

This reporting is inaccurate and is negatively impacting my credit profile. Since XXXX has confirmed that I do not owe this debt, I am requesting that this account be corrected to show a {$0.00} balance and no derogatory information, or that it be removed entirely from all three credit bureaus. I have attached the supporting documentation provided by 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 2025-10-08 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: WI

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-08 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: WI

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
I am reporting a long-term servicing issue with Select Portfolio Servicing ( SPS ) that has created an escrow trap on my mortgage account for the Estate of XXXX XXXX XXXX XXXX 

Despite consistent monthly payments for over XXXX years, SPS has repeatedly advanced funds for property taxes and homeowners insurance and then recouped those advances from my payments instead of properly applying them toward the loan. This practice caused the escrow balance to grow every year, even while the principal balance steadily decreased. 

According to SPS statements : 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 : SPS now claims Escrow {$48000.00}, XXXX  days delinquent, and demands {$64000.00} to reinstate. 


These figures show that although I consistently made payments, SPSs accounting never allowed escrow to stabilize and caused the balance to inflate beyond the true tax and insurance costs ( ~ {$4000.00} per year ). This suggests SPS has capitalized false escrow advances, misapplied funds, and possibly double-collected amounts already paid. 

Ive already attempted to resolve this with SPS, but they have not provided a full accounting or corrected the issue. Instead, they continue to add inflated escrow charges and threaten foreclosure. 

I believe SPS has mismanaged the escrow account, misapplied payments, and inflated the total balance through improper advances, resulting in overpayment and unjust harm to the estate and successor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: GA

Complaint narrative:
I am submitting this complaint against the XXXX major credit bureausXXXX XXXX, and TransUnionfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with XXXX XXXX Format and XXXX industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ). 

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

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 XXXXXX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX XXXX and TransUnion to XXXX Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and XXXX-party users of the updated information

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 2025-10-08 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX COMPLAINT AGAINST : EXPERIAN AND EQUIFAX I am filing this formal complaint against both Experian and Equifax for multiple Fair Credit Reporting Act violations involving mixed files, inaccurate account reporting, and failure to conduct proper reinvestigations. 

EXPERIAN VIOLATIONS : Mixed File/Incomplete Account Reporting : Experian is reporting XXXX different XXXX XXXX XXXX accounts all showing only " XXXX  '' as account numbers, all charged off since XXXX. These accounts do not appear on my XXXX  or Equifax reports, indicating Experian has mixed my file with another consumer 's information. 

XXXX Account Discrepancy : Experian reports XXXX account # XXXX while Equifax and XXXX  show account # XXXX for what should be the same account. This fundamental data inconsistency proves inaccurate reporting. 

Failure to Maintain Reasonable Procedures : Experian 's reporting of multiple accounts with incomplete identifiers violates FCRA 1681e ( b ) requiring maximum possible accuracy. 

EQUIFAX VIOLATIONS : XXXX XXXX XXXXXXXX Account Inconsistency : Equifax reports XXXX XXXX XXXX account # XXXX but shows conflicting status information compared to other bureaus. 

XXXX Account Number Mismatch : As noted above, Equifax shows a completely different Santander account number than Experian, indicating systemic data integrity failures. 

LEGAL VIOLATIONS & PRECEDENTS : These violations constitute clear breaches of FCRA 1681e ( b ) ( reasonable procedures ) and FCRA 1681i ( a ) ( reinvestigation requirements ). This is particularly concerning given recent enforcement actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: TX

Complaint narrative:
Crypto.com closed my account with a balance and has yet to send my funds to me it has been over a year

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Complaint Type : Debt Collection / Verification Request Company : ProCollect Inc. 
Previous Complaint XXXX XXXX XXXXXXXX This is a follow-up to my previous complaint XXXX XXXXXXXX regarding ProCollects collection of an alleged {$21000.00} debt for XXXX XXXX XXXX. 

ProCollect previously responded, stating : Procollect received the consumer 's account from our client XXXXXXXX XXXX XXXX on XX/XX/year>. The consumer owes a balance of {$21000.00}. The consumer 's dispute has been noted and the account has been updated. Procollect will mail proof of the debt to the consumer. The consumer may provide Procollect with any correspondence that proves this debt to be invalid... 

I have never received the promised documentation. Despite my first dispute, ProCollect continues to claim the debt without providing any verifiable proof of ownership, such as : Signed lease or rental agreement Purchase agreement or assignment documentation Any records proving the debt is valid and belongs to ProCollect The burden of proof is on ProCollect, not me. Under FDCPA 809 ( b ), a debt collector must provide verification upon dispute before continuing collection. Continuing to report or attempt collection without verification constitutes a willful violation of federal law.

Under FCRA 1681s-2 ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 6 ) ( B ) ( iii ), any reporting to credit bureaus must be accurate, complete, and verifiable. Failure to provide documentation means the account is unverifiable and should be deleted immediately.

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 2025-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CHERRY TECHNOLOGIES INC.
State: TX

Complaint narrative:
I reject this response. Cherry Technologies has again failed to provide verifiable proof that I personally authorized or signed for this account. They continue to claim a loan was executed electronically under the XXXX Act but have not produced any actual evidence such as audit trail data, IP address logs, or device identification confirming that I provided consent. 

In addition, Cherry Technologies has not produced any proof that I signed or agreed for my personal information to be transferred or shared with their company or any third parties. Without proof of this authorization, Cherry Technologies has no legal right to access, process, or report my personal data.

Under FCRA 611 and 623, furnishers must maintain maximum possible accuracy and provide documentation verifying a consumers authorization when challenged. Cherry Technologies repeated refusal to produce this proof while continuing to report this account is misleading and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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:
I formally dispute the reporting of entries associated with accounts I did not establish. Please conduct a thorough review and remove them. Supporting documentation is enclosed.

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 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: WI

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-10-08 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: NJ

Complaint narrative:
Dear Experian 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 INQUIRIES : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-08 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: CA

Complaint narrative:
hello, i am victim of identity theft and there are fraudulent accounts on my three credit reports, Experian, XXXX, XXXX, i will list all the accounts here, at a time i was not sure how credit works so i never noticed there were fraudulent accounts open under my name. Someone basically used my pervious address opened all kinds of cards used it even made payments on it, they even had a checking account open under my name which i was not aware. Please help me to clear this information from my credit report. 

XXXX XX/XX/XXXX {$5200.00} XXXX XX/XX/XXXX {$5500.00} XXXX  XXXX XX/XX/XXXX {$27000.00} XXXX XXXX XXXXXX/XX/XXXX {$5100.00} XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX {$12000.00}

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 2025-10-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Resurgent Capital Services L.P.
State: HI

Complaint narrative:
Happy Wednesday I received a letter from XXXX XXXX which stated they were representing LVNV for an outstanding debt. ( Note : I filed a complaint against LVNV as this will be the second time another collection agency, the first was TruAccord, contacted me attempting to collect on this exact same debt from XXXXThe chain of contact in order starts with LVNV, XXXX, and now XXXX )... I contacted XXXX XXXX by email, spoke with XXXX XXXX XXXX, our entire email conversation history is included as an attachment with this complaint, XXXX was without question or debt paid the amount for this collection to resolve, close, and remove the LVNV collections from my credit reports, however after making the payment by debit, ( Bank of Hawaii receipt and screenshot of the XXXX website after I made the payment showing the debt is paid in full ), XXXX XXXX XXXX will not reply to my emails requesting him to do Exactly as he Promised and resolve, close, and remove the LVNV collections from my credit reports XXXX XXXX XXXX has magically and conveniently disappeared after taking my payment Unethical, Immoral, and LVNV as well as XXXX need to take accountability for whom they sell a consumers debt to as it does not eliminate responsibility/accountability on their behalf selling consumer debt to known Collections Company such as XXXX XXXX and LVNV who commit fraud. Do the right thing XXXX XXXX, ( XXXX XXXX XXXX XXXX, LVNV, and remove your collections from my credit reports as XXXX XXXX XXXX clearly promised in his written correspondence with me. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am in a dispute with aqua finance as they have cashed many negotiable instruments regarding this account. What they are reporting is not accurate and by federal law demand it 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 2025-10-08 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: AL

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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