vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
In XXXX and XXXX I made my regular monthly mortgage payments. My bank statements show that funds were always available when the payments were submitted. Beginning in XX/XX/XXXX, my mortgage servicer started returning fully funded payments and then treating my loan as if it were in default. 

On or about XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the servicer returned XXXX mortgage payments, each in the amount of {$890.00}, for a total of {$2600.00} in returned payments. The company did not provide a clear explanation for these returns, and it did not claim that there were insufficient funds in my bank account. 

Around the same period, the servicer unilaterally increased my monthly payment by adding new escrow charges, including insurance that I did not request and that I believe is not required by my mortgage contract or state law. The servicer did not provide a proper escrow analysis or a clear written notice explaining why the escrow portion increased or what specific items were being paid from escrow. 

On XX/XX/XXXX, the company sent me a Default Notice stating that I was in default for failing to pay monthly payments beginning XX/XX/XXXX, and demanding a cure amount that included disputed escrow and charges. On XX/XX/XXXX, the company sent a separate letter returning my check for {$370.00} and stating that it was not the correct payment amount. The Default Notice stated that if the cure amount was not received by XX/XX/XXXX, the company could accelerate the loan and start foreclosure. 

Because of the returned payments and the escrow changes, the company began reporting my loan as delinquent and in default, even though the underlying issue was created by the servicers own decision to return payments and alter escrow. 

On XX/XX/XXXX, I sent the servicer a detailed written dispute and Qualified Written Request by certified mail. In that letter I disputed the default, requested a full payment history, a full escrow account history, an explanation for the returned payments, and a proper escrow analysis. I also requested correction of the negative credit reporting related to this dispute. 

As of XX/XX/XXXX, the company has not provided any written acknowledgment or response to my XX/XX/XXXX letter. It has not provided the requested payment history, escrow history, or escrow analysis, and it has not corrected the default status or the negative credit reporting. I am now under the threat of acceleration and foreclosure, and my credit has been harmed, due to errors and non-response by the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: MA

Complaint narrative:
Dear Credit Control : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Original Creditor : XXXX XXXX XXXX XXXX XXXX I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : Original Credit Agreement ( the contract I allegedly signed, if applicable ) Full Itemized Statement ( showing how the balance was calculated ) Forward Flow Agreement ( proving debt transfer from original creditor ) Chain of Title / Assignment Documents ( showing legal transfer of ownership ) Complete Payment History Records ( verifying payments or delinquencies ) Validation Notice ( per FDCPA 1692g ) Notice of Default / Intent to Collect ( as required by law ) Proof of Statute of Limitations ( confirming debt is legally collectible ) Credit Reporting Agreement ( authorizing reporting to bureaus ) Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX that unverifiable or misleading data can not lawfully remain on a consumers credit file.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-24 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: FL

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 explanation
Consumer complaint received 2025-11-24 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/year> I withdrew XXXX from my account then Truist Bank locked my account saying possible fraud. I went directly into Truist Bank and showed the bank manager my driver license and brokerage statement to show that there was no fraud. He said it would be unlocked in one week. I have made several calls to Truist Bank to see when I will get access to my account. My account is still locked to this day. My account has been locked almost three months and I never hear back from anyone at Truist Bank. Please help me with this matter. You can reach me at ( 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 non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XX/XX/XXXX I Deposited a check to my account with said on the website that it would only take one business day for them to process the cdeck. On XX/XX/XXXX I received a text stating that my check was deposited within a few minutes. I received another text stating that I was a security concern and they were going to hold on to my check. I do not understand I have never been as security issue.There has never been any fraudulent activity in my account.There is no reason for them to be holding my funds.There is no reason for them to be treated me with prejudice.Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFERSNCP is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSNCP 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: VA

Complaint narrative:
I am submitting this formal complaint regarding XXXX, Experian, and TransUnions continued reporting of several negative items that remain inaccurate, unverifiable, and in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. Despite previous disputes, the credit reporting agencies have either marked these items as verified as reported, updated, or left them in active dispute status without providing any valid documentation, proof of accuracy, or a legally required Method of Verification from the original creditors.

The following accounts were most recently disputed and continue to be reported incorrectly : XXXX XXXX XXXX Collection Opened XX/XX/XXXX Updated/Verified XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Updated/Verified XXXX XXXX XXXX Collection XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Collection Opened XX/XX/XXXX XXXX XXXX XXXX contain material inaccuracies relating to payment history, balance accuracy, charge-off dates, account status, and Date of First Delinquency ( DOFD ). Several appear re-aged, improperly coded, or reported using inconsistent data fields that violate Metro 2 reporting standards and the CRAs duty to ensure maximum possible accuracy.

Furthermore, none of the credit bureaus provided a legally sufficient Method of Verification, as required under : FCRA 1681g ( a ) FCRA 1681i ( a ) ( 7 ) No bureau has provided any of the following : Original contracts bearing my signature Application or agreement documents Itemized statements Chain of title or assignment records Proof of ownership by the collector Documents actually used to verify the accounts The responses received do not satisfy the CRAs legal obligations under FCRA 1681i, which requires a reasonable reinvestigation, nor FCRA 1681e ( b ), which mandates the reporting of 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 2025-11-24 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:
b'I am disputing inaccurate and unverifiable information on my Experian report.\n\nCharged Off Accounts\nXXXX 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\nDispute Basis:\nSeveral of these accounts appear duplicated or list future dates that are impossible XXXX. This suggests reporting errors or unverifiable information. Please correct or remove inaccurate entries.\n\nInquiry Dispute\nList of inquiries to verify/delete:\n\nXXXX 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 XXXXn\nDispute Basis:\nMany of these inquiries occurred within a short window, and some list dates in XXXX, which are invalid. Please verify each for proper authorization and remove any that cannot be substantiated.\n\nLate Payment Accounts\nXXXX XXXX  multiple accounts\n\nDispute Basis:\nThe reported lates are inconsistent with records. Please provide verification or correct as Paid on time.'

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 2025-11-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Americor Funding, LLC
State: FL

Complaint narrative:
I enrolled in this program, after 5 months only one account was settled and now XXXX accounts have been charged-off. I contacted them to advise them of this, there response was sorry this happened to you, were here to help you pay your debt off. They couldnt help me they had no explanation only to tell me the program does take long, but if you want you can deposit more money. That was not the answer I wanted or expected! Im very upset lets say more angry that now my credit is worse no than when I enrolled in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: FL

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: MA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 

Thank you for addressing this matter promptly. I kindly request a written response detailing the results of your investigation within 30 days, as required by the FCRA. If any item remains unchanged, please provide the name and contact information of the entity that verified its accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AXOS FINANCIAL, INC.
State: TX

Complaint narrative:
Hello I have signed the affidavit today to get a provisional credit. 

I went to the ATM to take money out however the money did not come out of the ATM, I am in an emergency need as I do not have any funds available right now, the process and communication with axos bank makes it very hard to get in contact about my claim. 

I went to the atm Wednesday night to take the money out, nothing came out, went to the screen I posted, posted Friday and I disputed the transaction. 

I have sent in the ATM being out of order my girlfriend took a picture and sent it to me and I sent it to them, I have done the paper work, I need the credit as soon as possible or I wont be able to get back in town because that was the money for my flight for me and my kids and without it I wont be able to go to work and currently I am at {$0.00} and can not even do anything I have contacted the atm bank but they said it could take up to 45 days to go to that atm and count. 

I NEED the provisional credit during this time atleast please. 

I only usually get one response from a day from them but during this case I need the PC in order to get home otherwise Im gon na get fired. Every time I contact them they give a generic answer and they never communicate nothing about a PC

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Future Judgement Solutions
State: PA

Complaint narrative:
They been calling me a treating with lawsuit now they call my dad and wife too

Company response to consumer: Untimely response
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX : XX/XX/XXXX XXXX Attention Report Team at Experian please be aware dont send me any stall letters I am sending this to you today because I have pulled my most recent credit report and I am extremely confused. It is very troubling as these items are reporting as incorrect and inaccurate information. I would appreciate your assistance to solve these problems. 

I have done research at my end and as you and myself both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported in a timely fashion. I am well aware you have 30 days to complete this investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission. 

I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 

XXXX - XX/XX/XXXX - I did not authorize this inquiry? - The following inquiry was not authorized and should not be reporting.XXXX  - XX/XX/XXXX - I did not authorize this inquiry? - The following inquiry was not authorized and should not be reporting. 


Please see the above inquiries as well. 

The Fair Credit Reporting Act also states that the only permissible purpose for pulling someones credit report is : A ) Firm offer of credit B ) Insurance C ) A court order D ) Employment, for a firm offer of credit, a court order, insurance, or employment. None of the above applies to the inquiries on my credit report. Please erase them immediately. 

Any and all private information should be reporting as the following and other information should be deleted from my credit file : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Social Security : Thank you for taking the time to look into these, I am very excited tohear back from you! 

Sincerely,

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