vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-14 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:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I am filing a complaint against Transworld Systems Inc. ( TSI ) for violations of the Fair Debt Collection Practices Act ( FDCPA ). The company has failed to properly validate an alleged debt, misrepresented the amount owed, and continues to pursue collection activity without providing sufficient legal documentation.Below is a timeline of events : XX/XX/year> I received a phone call from a Transworld Systems representative claiming I owed approximately $ XXXX a debt related to XXXX XXXX XXXX XXXX for XXXX outstanding accounts. This amount was unexpected and seemed inaccurate. 

XX/XX/year> - after ongoing research with XXXX XXXX XXXX and not getting anywhere on what this was in reference to ( In fact, billing had never heard of TSI ), I called TSI back - they then said there were 5 outstanding accounts and they would send a validation letter. 

XX/XX/year> I mailed a written request via certified mail asking for debt validation under FDCPA, including : The amount owed The name of the original creditor A copy of any signed agreement Proof of Transworlds legal authority to collect the debt XX/XX/year> TSI sent a letter in response. However : It only included a single invoice from the original creditorNo documentation of assignment or legal right to collect was includedThe amount listed was {$87.00}, contradicting the $ XXXXclaimed by phone XX/XX/year> I sent a second, final demand letter via certified mail, reiterating my request for full validation and asking for the matter to be closed in writing. 

XX/XX/year> TSI responded again, sending additional billing documentation from the original creditor but still failed to provide : Any legal documentation showing they were assigned or had authority to collect Any signed agreement showing I owe this debt Any letter resolving the matter or acknowledging their previous misrepresentation XX/XX/year> - TSI responded with a single additional billing documentation from the original creditor butstill failed to provide : Any legal documentation showing they were assigned or had authority to collect Any signed agreement showing I owe this debt Any letter resolving the matter or acknowledging their previous misrepresentation Violations & Concerns : 15 U.S.C. 1692e False or misleading representations : They misrepresented the amount owed during the phone call & would not provide proof 15 U.S.C. 1692g Failure to validate the debt : They did not provide full documentation after multiple written requests. Ongoing Collection Attempts : Despite the lack of validation, they continue to pursue the alleged balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SECURITY FINANCE CORP
State: GA

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 explanation
Consumer complaint received 2025-12-14 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: OH

Complaint narrative:
Experian is reporting an automobile tradeline furnished by XXXX XXXX XXXX as XXXX days past due with continuous monthly delinquency. The tradeline shows no payment activity since XX/XX/2021, yet Experian continues to report ongoing delinquency and balance updates years later. The reported balance has changed over time despite no payments being made, and the payment history contains missing or ND/X months, making the accounts delinquency timeline incomplete and unverifiable. There is no indication that Experian reviewed original source documents, such as a signed contract, full payment ledger, or billing statements, to support continued reporting of delinquency or balance increases. In addition, Experian is maintaining multiple prior and variant addresses on the credit file that are not associated with any current or verified creditor relationship. These unverified addresses appear to be used as identity matching data for verification of the disputed tradeline, which raises concerns of file contamination and unreliable reinvestigation. I have disputed the accuracy and completeness of this information and requested proper verification. Despite this, Experian has continued to report the tradeline without providing a meaningful method of verification or correcting the underlying data deficiencies. Because the information can not be reliably verified and relies on incomplete account data and disputed identity information, the continued reporting is inaccurate and materially misleading. I am requesting that Experian delete the tradeline and remove unverified address data, as required when disputed information can not be verified.

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 2025-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Subject : Complaint Mortgage Recast Not Processed / Funds Held Dear XXXX, I am submitting a complaint regarding improper mortgage servicing by NewRez LLC XXXX XXXX my mortgage recast request. 

In XX/XX/year>, I submitted a lump-sum principal payment of {$7900.00}, and {$2000.00} designated specifically for the purpose of recasting my loan. And I paid the {$250.00} recast fee. NewRez received these funds but did not process the recast within a reasonable timeframe. The funds sat unapplied or were improperly held for approximately over XXXX month, during which no recast calculation was completed, and no revised payment amount was provided. 

In XX/XX/year>, NewRez posted a {$7900.00} and {$2000.00} principal adjustment, which appears to have been a correcting entry related to the XXXX deposit rather than completion of the recast itself. As of today, the recast has still not been completed, and I have not received : A revised monthly payment amount A new amortization schedule Written confirmation of recast completion A written explanation for the delay This delay deprived me of the reduced monthly payment I am entitled to and caused financial harm, including continued interest accrual while recast-designated funds were held without purpose. 




Requested XXXX I respectfully request that NewRez LLC be required to : XXXX. Immediately complete the mortgage recast XXXX. Apply the {$7900.00} and {$2000.00} recast funds effective as of the original XX/XX/year> deposit date XXXX. Provide a revised amortization schedule and monthly payment amount XXXX. Correct any financial harm resulting from the delay XXXX. Provide a written explanation for the improper handling of recast-designated funds Supporting Documentation I have attached/provide : Mortgage payment history screenshots Proof of the XX/XX/year> XXXX XXXX XXXX with NewRez XX/XX/year> principal adjustment entry Thank you for your time and assistance. Please contact me if any additional information is required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened a Capital One card for my business of {$300.00} to build credit. On XX/XX/year>, the Capital One Customer Service was called, and I asked for a payoff amount to close the account. The Representative told me that my balance was {$290.00}, and I needed to pay this off in full to close the account. She stated that this was the payoff amount. I paid this amount with my checking debit card and requested a payoff letter. She emailed me one with the confirmation that the account was paid in full and closed. On XX/XX/year>, I received an email statement informing me that I owe over {$19.00} on the card because of an interest payment of {$4.00}. I called the Capital One customer service line and the representative confirmed that the card was paid in full and the account was closed, but " there was left over interest payments, and the payoff amount was not correct that you were given and because the {$4.00} was not paid, the interest on that is {$15.00}. '' I advised them that I paid the amount based on the information I was given. I called the Customer Service account and requested to waive this amount due to the information that I was given and the fact that I paid off the amount based on the payoff amount I was given. I would like to file a complaint and request that they waive this interest amount since the payment was made on XX/XX/year> for the payoff amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
In XXXX, I opened my truist bank account. I had just moved to town and was researching banks when I saw the truist add on XXXX saying they would give {$400.00} to open an account. I read all the fine print to make sure my social security payments would qualify. There was no mention at all of a promo code. It was supposed to be get $ XXXX worth of direct deposits in 120 days and get {$400.00}. Well I should have received my {$400.00} by end of XXXX, I went in the branch recently. She escalated this to a higher up who just emailed me that the promo code wasn't entered when opening the account. I opened my account directly from XXXX ad, and there was no mention of a promo code. All the ads mentioning this are gone from their XXXX XXXX, showing they are hiding it.

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 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Dear American Express Customer Service Team, I am writing to formally address the cancellation of my American Express account which happened on XXXX XXXX. I had been a cardholder for over 17 years. During this time, I maintained a perfect payment history and an excellent credit score, demonstrating my commitment as a responsible cardholder. What happened was that just three months later after American Express automatically charged my account the {$650.00} annual fee, my card was canceled without any prior warning or explanation. When I contacted customer service by phone, I was informed that the cancellation was due to a violation of the customer agreement, but no specific details were provided regarding which clause was allegedly violated, or the circumstances surrounding it. Subsequently, I received a letter from XXXX XXXX of the Customer Advocate Services Team, stating that the account was canceled " due to indicia of misuse '' and that " there are no additional details to share with respect to the cancellation of your Account. I have found this lack of transparency concerning so I am seeking a fair resolution. To that end, I formally request the following : 1. A prorated refund of the {$650.00} annual fee. Given that the cancellation occurred three months after the fee was charged, I believe I am entitled to a refund of three-quarters of the fee, amounting to {$480.00}. If this matter is not resolved promptly, I reserve the right to pursue any applicable interest or remedies available under relevant consumer protection laws. 
2. Clarification regarding the policy that annual fees can only be refunded within 30 days. I do not accept this clause as it appears unconscionable and overly restrictive. Please provide evidence of when and where I agreed to this specific term, including the exact language from the agreement I accepted. 
3. Confirmation on whether the cancellation was influenced by my last name or its origin, potentially indicating discriminatory practices. I have two friends and family members who experienced similar unexplained cancellations, and I can provide supporting documentation if needed. As this raises concerns about fairness and compliance with anti-discrimination laws, I request a thorough review and explanation. 
As a longstanding customer in the United States, I expect American Express to uphold the highest standards of transparency, fairness, and non-discrimination, free from any fraudulent or bullying tactics. I kindly request a detailed written response to these concerns within 14 days, including any steps you will take to resolve this matter amicably. 
Thank you for your attention to this issue. I look forward to your prompt reply and a positive resolution. 
Sincerely, XXXX XXXX, XXXX. 
Tel : ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, I received a credit derogatory remark on my Equifax profile. Ive never received any notice from this company prior to seeing this remark. The original creditor tried to collect this debt before but the debt was not owed. It was previously resolved in XXXX and removed from my credit report as I don't owe them, and now it's back under a new company. 

CREDITOR NAME : XXXX XXXX CREDITOR ACCOUNT NUMBER : XXXX ; This debt was from a device that I tried to return when closing my account. I went to the store to return it, and they stated it had to be a specific store to return the device. I went to that store and they said it has to be mailed to the receiving store for that specific unit. I called in and they tried to generate a shipping label but was unable to as the account was officially closed. I explained this to the customer service rep in the escalated the debt. She resolved the matter and cancelled the debt. Then months later I received the first collection. XXXX must review those detailed notes and stop trying to collect a debt that it not owed. They refused to take back the device in person and was unable to create a lable v\by phone or at the store. This is the most ridiculous thing. They canceled it so XXXX not understanding why different companies are filing it on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Holding Company, Inc.
State: AL

Complaint narrative:
However the new complaint was filed back in XX/XX/year>. Company responded with snippets from loan documents never addressed the actual issue or honor my request to stop ACH until I filed complaint here this is what you call predatory lending not honoring the customer request. This company kept sending me incorrect emails notices about payments amounts that were due in which were also incorrect. They closed the account paid in full as well reporting me 30 days late in retaliation for reporting my account inaccuracy so any additional access fees was due to the company not responding to my request. This is causing me a lot of stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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