vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-31 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: Credit Control, LLC
State: GA

Complaint narrative:
This is NOT my account. It is showing on my credit report. Please remove from my Credit Report ASAP. 

Ive contacted all of the Credit Bureaus by mail & disputed them on EACH site. Ive also contacted you with proof of my Identification. 

Per your response, you stated you were unable to locate my account due to insufficient identifying information. Please note that under the FCRA ( Fair Credit Reporting Act ) 609 & 611, it is your duty as the furnisher of information to ensure accurate reporting, regardless of whether I provide an internal reference number.

I have already provided sufficient personal identifiers ( full name, DOB, address, SSN last four ) that should allow you to locate any account associated with my credit file. If you still claim you are unable to locate the account, that in itself is proof the account can not be verified and must be deleted immediately from all three credit bureaus per FCRA 611 ( a ) ( 5 ) ( A ).

Please confirm in writing within 15 days whether this account has been verified or deleted. 

Sincerely, 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 2025-09-01 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: PA

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: GA

Complaint narrative:
Dear TransUnion, I am writing to dispute several accounts and credit inquiries listed on my TransUnion credit report that I did not authorize. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unauthorized information in my credit file, and I am requesting an immediate investigation and removal of these accounts and inquiries. 

The following inquiries were made without my knowledge or consent and should be removed : XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX The following accounts were open without my knowledge or consent and should be removed : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX I have never lived at the following address. Please remove it from my account. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please remove these unauthorized addresses, accounts and inquiries from my credit file and provide me with written confirmation when your investigation is complete. I request that you respond within the timeframe required by the FCRA. 

Thank you for your prompt attention to this matter.

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 2025-09-01 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: IL

Complaint narrative:
I am filing this complaint because my identity was compromised due to a confirmed data breach, and fraudulent accounts have since appeared on my consumer credit reports. Despite multiple disputes submitted directly to the credit bureaus and the furnishing creditors, these fraudulent accounts have not been removed. The failure to properly investigate and delete these accounts violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I am a documented victim of identity theft and have filed an FTC Identity Theft Report ( attached ). The accounts in question are fraudulent and were opened without my knowledge, authorization, or consent. I have submitted disputes to [ Experian/Equifax/TransUnion ] as well as to the furnishers directly, attaching proof of my FTC report and supporting documentation. Despite these disputes, the bureaus have failed to conduct a reasonable investigation under 15 U.S.C. 1681i and continue to report these fraudulent accounts. Violations Failure to Block Fraudulent Accounts : Under 15 U.S.C. 1681c-2, once provided with an identity theft report, the consumer reporting agencies are required to block reporting of fraudulent information within XXXX business days. This has not occurred. Failure to Conduct a Reasonable Reinvestigation : Under 15 U.S.C. 1681i ( a ) ( 1 ), the bureaus are required to conduct a reasonable reinvestigation within 30 days of receiving a dispute. Their continued reporting of fraudulent accounts shows clear noncompliance. Failure of Furnishers to Report Accurately : Under 15 U.S.C. 1681s-2 ( a ), furnishers are prohibited from reporting information they know ( or should know ) to be inaccurate. These furnishers continue to report fraudulent data despite my disputes and supporting evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I took pawn loan in XXXX, i was suppose to pay it by XXXX. But I was not able to pay I lost my job it was hard time. So I called the pawn company in XXXX to take the information. They said I can still pickup but I would have to pay XXXX XXXX The original amount was after interest and fees was around XXXX XXXX Store manager ask for cash specifically and when I paid they didnt gave me receipt or any document saying i have paid this much with its breakdown. The company name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

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 2025-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am filing a complaint regarding XXXX repeated blocking of my monthly rent payment. 

This is a legitimate, recurring transaction to the same landlord I have successfully paid in the past. Most recently, Venmo declined the payment for security reasons but has refused to provide any clear explanation, corrective action, or assurance that the issue will not continue. When I contacted support, I was only told this was typical for customer safety, without details. 

Because this transaction is my rent, the block directly threatens my housing stability. I believe XXXX actions fall under errors as defined in the Electronic Fund Transfer Act ( Regulation E ) and that they have failed to fulfill their legal obligation to investigate and provide a written explanation of their findings.

Desired Resolution : Immediate review and resolution of the blocked transaction. 

XXXX that future recurring rent payments will not be arbitrarily blocked. 

A written explanation of XXXX investigation and the reasons behind the security block. 

This is a time-sensitive issue, as continued interference with my rent payments risks eviction or other severe consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: SERVICEMAC, LLC
State: MD

Complaint narrative:
In XX/XX/year>, I submitted a request to assume the mortgage on XXXX XXXX XXXX, XXXX, XXXX  XXXX, single-family home currently under loan with ServiceMac At that time, the servicer confirmed receipt of my application and required supporting documents, which I promptly provided. 

Since then, nearly six months have passed, and the assumption process has not been completed. Despite repeated follow-ups by phone and email ( approximately 26 times between XXXX and XX/XX/year> ), the company has provided inconsistent updates and has not finalized the assumption. 

During this period, I have been making the monthly mortgage payments in full and on time ( average payment : {$1100.00} ). I am well-qualified for a new mortgage, but given todays significantly higher interest rates, I should not be forced into refinancing when an assumption option is contractually available and financially reasonable. 

The companys delays have caused unnecessary stress, financial uncertainty, and the risk of losing the benefits of the original mortgage terms. I have complied with all requested actions on my part, yet the company has failed to act in a timely or transparent manner.

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 2025-09-01 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$330.00} XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX Original Creditor XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$890.00}

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 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Atlanticus Services Corporation
State: SC

Complaint narrative:
this is a response to XXXX XXXX ending in XXXX i received a letter in regards to an id theft claim from the company dated XX/XX/XXXX 2025. there should be no investigation concerning id theft i reported a fraudulent activity on my bank account XXXX  for suspicious activity that was found to be id theft claim nothing stating the XXXX  account was id theft the account with XXXX  is my acct the company closed the account the information on the statements from XXXX025 to XXXX2025 is accurate except that the amount due and that the account should have not been closed for over the limit activity and for past due payments. 
the account XXXX  was reported to XXXX  for in accurate information and that i reported that i had fraudulent activity on by bank account and this is why i reported to XXXX  not XXXX  but XXXX  the payment due on XX/XX/year>2025 was late because i could not make payment because i did not have my debit card from the bank that i should have the debit card by XX/XX/year>2025 that i would make the payment then they could have not closed the account that they closed on XX/XX/year>2025 i do not agree with XXXX  there statement to XXXX  and that the statement is falsely reported by XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
I am writing to file a complaint against my mortgage loan servicer, Newrez ( XXXX ), regarding the mishandling of my escrow account and property tax payments. 

Despite my escrow account being properly funded, Newrez has repeatedly failed to make timely and correct property tax payments on my behalf. Specifically : 1 ) Incorrect Parcel Number Newrez has been using an incorrect parcel number for my property. As a result, payments were sent to the wrong county tax account. This error has occurred three separate times.

2 ) Lack of Resolution Despite Repeated Requests Since XX/XX/year>, I have made five to six phone calls and sent multiple emails to Newrez regarding this issue. Each time, I was told that the matter was " still processing '' and that I would need to wait up to 30 days. No substantive resolution has been provided.

3 ) Forced to Pay Out-of-Pocket Because of Newrezs ongoing errors and delays, I was ultimately forced to pay my property taxes directly through the countys online system to avoid delinquency and penalties.

4 ) Ongoing Errors As of XX/XX/year>, Newrezs system still shows the incorrect parcel number for my home. I have reason to believe they are continuing to make erroneous payments, which could further complicate my tax records and credit standing. 

This persistent mismanagement has caused me significant stress, financial burden, and wasted 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 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lighthouse Acceptance Corporation
State: OR

Complaint narrative:
I am submitting this statement regarding Account # XXXX to document inaccuracies and failures in reporting and dispute handling : 1. The company issued a payment ledger showing my account activity, including principal payments, interest, irregular payments, and a reported payoff/balance of {$5200.00}.

2. According to the ledger, my total payments were {$14000.00}, and the balance owed is {$0.00}, confirming the account is fully paid.

3. Despite this, the company reported an inaccurate balance of {$5200.00} to the credit bureau.

4. When I disputed these inaccuracies, the company failed to provide documentation of investigation or correct the reporting.

5. The ledger confirms that all scheduled and irregular payments were properly applied, yet the credit bureau continues to report an incorrect balance.

6. The company did not correct the reporting or address the discrepancies in any meaningful way.

7. No evidence or documentation of an investigation was provided, despite multiple disputes and complaints.

8. These unresolved discrepancies have negatively affected my credit report and financial opportunities for years, including difficulty obtaining loans and housing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: SD

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Debt Validation under FDCPA Dear Midland Credit Management, I am writing in response to a [ call/letter/email ] received on [ date of contact ] regarding an alleged debt. Please be advised that I am requesting validation of this debt, as provided for by the Fair Debt Collection Practices Act.

Under the FDCPA, I have the right to request the following information : 1. The amount of the alleged debt.

2. The name of the original creditor.

3. A detailed explanation or documentation showing that I am legally obligated to pay this debt.

4. A copy of any judgment ( if applicable ).

5. Proof that your agency is licensed to collect debts in my state.

Please treat this letter as a formal request to cease all collection activities until the requested validation is provided. Do not report any information about this debt to the credit bureaus until this matter is resolved.

If you are unable to validate the debt, please notify all credit bureaus to which you may have reported it and have it removed from my credit report.

This is not a refusal to pay, but a request for validation. Be advised that any further attempts to collect this debt without validating it may be considered a violation of federal law.

Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: Point Digital Finance, Inc.
State: AZ

Complaint narrative:
My wife, XXXX XXXX, and I entered into an Option Purchase Agreement with Point Digital Finance , Inc. in which they advanced us {$120000.00} in exchange for 69.7 % of our homes future appreciation. The agreement required us to sign and record a Deed

of Trust giving Point a lien and foreclosure rights. Repayment is due in a single lump sum upon sale, refinance, maturity, or default, with no amortization. The contract also reduces our homes Agreed Value by 29.5 % through a Risk Adjustment, which increases Points effective yield. Despite functioning as a highcost home equity loan secured by our primary residence, Point did not disclose the APR, finance charge, or total of payments as required by the Truth in Lending Act ( TILA ) and the Home Ownership and Equity Protection Act ( HOEPA ). We were also given a Notice of Right to Cancel similar to TILA rescission notices, confirming the transaction is credit under federal law.

We believe Point misrepresented the nature of the transaction to evade lending laws, engaged in unfair and deceptive practices, and stripped significant equity from our home. We request that the CFPB investigate, enforce applicable laws, and provide relief including rescission, cancellation of the lien, and damages.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
The company is trying to collect a debt that is not mine. At the time when the card was opened my last name was XXXX. XXXX didn't become my last name til XXXX XXXX2022 when I married my husband. There is physically no way it was me who opened this account I have attached a copy of my marriage license and social security card as proof that the person the debt is for is not me. I expect this matter will be resolved and the company will pay me for the harassment and for suing me for a debt that I do not and will never be responsible for as I did not open it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
Debt Validation & Representation Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX2025 National Credit Adjusters RE : Formal Dispute and Request for Validation Acount # XXXX To Whom It May Concern : I am contacting you regarding the above-referenced account This is a formal notice that I am dispute the validity of this alleged debt and that I demand proper validation as provided under the Fair Debt collection Practices act ( FDCPA ) ,14 U.S.C.1692g Additionally, I am aware of violation of U.S.C.1692e regarding false , deceptive, or misleading representations in your collection attempt Specifically : -You have represented information about this debt in a manner that is inaccurate and misleading -You have failed to provide clear and complete documentation substantiating your legal right to collect Accordingly, I require the following 1.Proof of the debt -a complete accounting of alleged balance.

2.Original signed contract or agreement showing that i have a legal obligation to pay 3.Proof of assignment/ownership -including chain of title if this account was sold or transferred.

4.Verification of Licensing and authority proof that XXXX & XXXX is authorized to collect debts in my state ( Florida ) 5.Copies of all communications and records regarding this account Until you provide the above, you must immediately cease all collection activities, including but not limited to : Reporting this debt to any credit bureau.

Contacting me by phone or mail pursuing any legal action If you have already reported this debt to the credit reporting agencies, you are required under 15 U.S.C. 1692E ( 8 ) and Fair Credit Reporting Actt ( FCRA ) to mark the account as " in dispute '' failure to comply will leave me no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) the Federal Trade Commission ( FTC ), and the Florida Attorney General 's Office for your Violations of federal law.

I expect a written response within 30 days of your receipt of this. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation